What is Univest Financial Corp's earnings per share (EPS)?

Univest Financial Corp (UVSP) reported diluted earnings per share of $3.13 for fiscal year 2025. This represents a 21.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Univest Financial Corp Financials

UVSP

Trailing 12 months to June 30, 2026

Revenue $339.6M +9.4% YoY

Net Income $98.4M +23.2% YoY

EPS (Diluted) $3.46 +26.7% YoY

Free Cash Flow $105.8M +4.5% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 28, 2026 Currency USD FYE December

Univest Financial Corp (UVSP) reported $339.6M in revenue over the twelve months to Jun 30, 2026, up 9.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI UVSP FY2025 2026-08-29

Univest's earnings recovery is being shaped by cash conversion and gradually easing balance-sheet leverage, not revenue growth alone.

The FY2025 earnings rebound also translated into cash: net income was $90.8M and operating cash flow reached $101.5M, showing that reported profits broadly converted into internally generated funds. Free-cash-flow margin rose to 29.6% from 24.1% in FY2024, implying that improved cash generation was not offset by heavier reinvestment.

Equity reached $943M by FY2025 while debt-to-equity eased to 7.9x, indicating the capital base grew faster than the leverage burden. That combination matters more for a financial institution than revenue margin analysis, because it describes how balance-sheet expansion is being funded.

Net margin reached 27.7% as revenue reached $328.1M, after revenue had been essentially flat through FY2024. The recovery therefore combines renewed top-line activity with better earnings conversion, rather than reflecting expense trimming alone; meanwhile, reported share count declined across the period, adding a separate per-share support mechanism.

Financial Health Signals

Financial Health Score 57/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Univest Financial Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

6/6

Univest Financial Corp passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.12x

For every $1 of reported earnings, Univest Financial Corp generates $1.12 in operating cash flow ($101.5M OCF vs $90.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$328.1M

YoY+9.6%

5Y CAGR+10.0%

10Y CAGR+12.4%

Univest Financial Corp generated $328.1M in revenue in fiscal year 2025. This represents an increase of 9.6% from the prior year.

Net Income

$90.8M

YoY+19.5%

5Y CAGR+14.1%

10Y CAGR+12.8%

Univest Financial Corp reported $90.8M in net income in fiscal year 2025. This represents an increase of 19.5% from the prior year.

EPS (Diluted)

$3.13

YoY+21.3%

5Y CAGR+14.4%

10Y CAGR+8.5%

Univest Financial Corp earned $3.13 per diluted share (EPS) in fiscal year 2025. This represents an increase of 21.3% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$96.9M

YoY+34.6%

5Y CAGR+15.4%

10Y CAGR+11.2%

Univest Financial Corp generated $96.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 34.6% from the prior year.

Cash & Debt

$553.7M

YoY+68.4%

5Y CAGR+20.3%

10Y CAGR+24.7%

Univest Financial Corp held $553.7M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.87

YoY+3.6%

5Y CAGR+7.7%

10Y CAGR+0.8%

Univest Financial Corp paid $0.87 per share in dividends in fiscal year 2025. This represents an increase of 3.6% from the prior year.

Shares Outstanding

28M

YoY-3.2%

5Y CAGR-0.9%

10Y CAGR+3.7%

Univest Financial Corp had 28M shares outstanding in fiscal year 2025. This represents a decrease of 3.2% from the prior year.

Margins & Returns

Net Margin

27.7%

YoY+2.3pp

5Y CAGR+4.7pp

10Y CAGR+0.9pp

Univest Financial Corp's net profit margin was 27.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.3 percentage points from the prior year.

Return on Equity

9.6%

YoY+1.1pp

5Y CAGR+2.8pp

10Y CAGR+2.1pp

Univest Financial Corp's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.1 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$34.6M

YoY+83.4%

5Y CAGR+51.2%

10Y CAGR+10.0%

Univest Financial Corp spent $34.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 83.4% from the prior year.

Capital Expenditures

$4.6M

YoY+47.7%

5Y CAGR+4.1%

10Y CAGR-2.5%

Univest Financial Corp invested $4.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 47.7% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

UVSP Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

UVSP quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$339.6M	$328.1M+9.6%	$299.2M+0.8%	$296.8M+0.2%	$296.2M+41.2%	$209.7M+2.8%	$203.9M-4.7%	$214.1M+12.4%	$190.5M+16.9%	$163.0M+28.8%	$126.6M+24.1%	$102.0M+33.9%	$76.2M-1.8%	$77.6M-3.8%	$80.7M-5.6%	$85.5M
SG&A Expenses	$131.3M	$127.0M+2.6%	$123.7M+3.0%	$120.2M+3.8%	$115.8M+11.1%	$104.2M+11.8%	$93.2M+5.6%	$88.3M+9.7%	$80.5M+6.1%	$75.9M+9.6%	$69.2M+19.2%	$58.1M+37.5%	$42.2M+6.9%	$39.5M+5.9%	$37.3M+12.6%	$33.1M
Interest Expense	$182.4M	$190.3M-5.4%	$201.2M+32.6%	$151.7M+347.6%	$33.9M+58.8%	$21.3M-27.8%	$29.6M-34.1%	$44.9M+38.3%	$32.4M+63.4%	$19.8M+60.2%	$12.4M+53.5%	$8.1M+101.8%	$4.0M-21.9%	$5.1M-37.4%	$8.2M-23.8%	$10.7M
Income Tax	$24.4M	$22.6M+16.6%	$19.4M+10.1%	$17.6M-7.9%	$19.1M-15.3%	$22.5M+125.7%	$10.0M-30.4%	$14.3M+41.3%	$10.1M-42.7%	$17.7M+356.5%	$3.9M-60.2%	$9.8M+31.0%	$7.4M+30.8%	$5.7M+2.6%	$5.6M+16.2%	$4.8M
Net Income	$98.4M	$90.8M+19.5%	$75.9M+6.8%	$71.1M-9.0%	$78.1M-14.9%	$91.8M+95.7%	$46.9M-28.6%	$65.7M+30.0%	$50.5M+14.6%	$44.1M+126.1%	$19.5M-28.5%	$27.3M+22.7%	$22.2M+4.9%	$21.2M+1.5%	$20.9M+10.5%	$18.9M
EPS (Diluted)	$3.46	$3.13+21.3%	$2.58+7.1%	$2.41-8.7%	$2.64-15.1%	$3.11+94.4%	$1.60-28.6%	$2.24+30.2%	$1.72+4.9%	$1.64+95.2%	$0.84-39.6%	$1.39+1.5%	$1.37+7.0%	$1.28+3.2%	$1.24+9.7%	$1.13

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$84.4M-3.5%	$87.5M+3.4%	$84.6M+1.6%	$83.2M+2.7%	$81.0M+2.3%	$79.2M+3.1%	$76.8M+4.7%	$73.4M
SG&A Expenses	$33.2M-0.8%	$33.5M+1.4%	$33.0M+4.3%	$31.7M+0.4%	$31.5M+2.3%	$30.8M-2.2%	$31.5M+2.7%	$30.7M
Interest Expense	$41.9M-2.6%	$43.0M-12.6%	$49.2M+1.7%	$48.3M+4.7%	$46.2M-1.0%	$46.6M-10.3%	$52.0M-2.3%	$53.2M
Income Tax	$5.6M-12.3%	$6.4M+7.0%	$6.0M-7.0%	$6.4M+27.5%	$5.0M-2.4%	$5.2M+7.0%	$4.8M+0.3%	$4.8M
Net Income	$23.0M-15.3%	$27.1M+19.1%	$22.7M-11.3%	$25.6M+28.3%	$20.0M-10.8%	$22.4M+18.2%	$18.9M+2.0%	$18.6M
EPS (Diluted)	$0.82-14.6%	$0.96+21.5%	$0.79-11.2%	$0.89+29.0%	$0.69-10.4%	$0.77+20.3%	$0.64+1.6%	$0.63

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

UVSP Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

UVSP quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$8.4B+3.8%	$8.1B+4.5%	$7.8B+7.7%	$7.2B+1.4%	$7.1B+12.4%	$6.3B+17.8%	$5.4B+8.0%	$5.0B+9.4%	$4.6B+7.7%	$4.2B+46.9%	$2.9B+28.8%	$2.2B+2.0%	$2.2B-4.9%	$2.3B+4.4%	$2.2B
Cash & Equivalents	$553.7M+68.4%	$328.8M+31.6%	$249.8M+63.5%	$152.8M-82.8%	$890.1M+304.9%	$219.9M+75.7%	$125.1M+14.4%	$109.4M+45.1%	$75.4M+30.4%	$57.8M-4.9%	$60.8M	N/A	N/A	N/A	N/A
Goodwill	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M+1.7%	$172.6M0.0%	$172.6M0.0%	$172.6M0.0%	$172.6M0.0%	$172.6M+53.2%	$112.7M+66.4%	$67.7M+17.7%	$57.5M+2.3%	$56.2M+5.8%	$53.2M
Total Liabilities	$7.5B+3.5%	$7.2B+4.3%	$6.9B+7.7%	$6.4B+1.5%	$6.3B+12.5%	$5.6B+19.9%	$4.7B+7.9%	$4.4B+10.3%	$4.0B+6.1%	$3.7B+48.0%	$2.5B+29.1%	$2.0B+2.1%	$1.9B-5.4%	$2.0B+4.5%	$1.9B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	$150.1M+3.3%	$145.3M-6.7%	$155.8M+22.2%	$127.5M	$0	N/A	N/A	N/A	$5.0M
Total Equity	$943.3M+6.3%	$887.3M+5.7%	$839.2M+8.1%	$776.5M+0.3%	$773.8M+11.7%	$692.5M+2.6%	$675.1M+8.2%	$624.1M+3.4%	$603.4M+19.4%	$505.2M+39.7%	$361.6M+27.1%	$284.6M+1.4%	$280.5M-1.3%	$284.3M+4.1%	$273.0M
Retained Earnings	$591.2M+12.4%	$525.8M+10.8%	$474.7M+10.7%	$428.6M+14.3%	$375.1M+22.2%	$306.9M+6.3%	$288.8M+16.4%	$248.2M+14.5%	$216.8M+11.4%	$194.5M+0.6%	$193.4M+6.4%	$181.9M+5.4%	$172.6M+4.7%	$164.8M+4.6%	$157.6M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$8.2B+0.8%	$8.1B-3.5%	$8.4B-1.6%	$8.6B+8.0%	$7.9B-0.5%	$8.0B-1.9%	$8.1B-0.9%	$8.2B
Cash & Equivalents	$195.3M-12.2%	$222.4M-59.8%	$553.7M-32.2%	$816.7M+409.3%	$160.4M-5.2%	$169.1M-48.6%	$328.8M-34.8%	$504.7M
Goodwill	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M
Total Liabilities	$7.2B+0.8%	$7.2B-4.1%	$7.5B-1.9%	$7.6B+8.8%	$7.0B-0.7%	$7.1B-2.3%	$7.2B-1.2%	$7.3B
Total Equity	$954.3M+0.2%	$952.0M+0.9%	$943.3M+1.1%	$933.2M+1.8%	$916.7M+1.5%	$903.5M+1.8%	$887.3M+1.2%	$877.1M
Retained Earnings	$628.3M+2.7%	$611.8M+3.5%	$591.2M+2.9%	$574.7M+3.5%	$555.4M+2.5%	$541.8M+3.0%	$525.8M+2.5%	$512.9M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

UVSP Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

UVSP quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$108.8M	$101.5M+35.2%	$75.1M-16.3%	$89.7M-18.0%	$109.5M+7.0%	$102.3M+100.0%	$51.2M-30.0%	$73.1M-15.0%	$86.0M+25.3%	$68.7M+106.1%	$33.3M-15.3%	$39.3M+32.4%	$29.7M-9.4%	$32.8M-11.7%	$37.1M-13.0%	$42.7M
Capital Expenditures	$2.9M	$4.6M+47.7%	$3.1M-53.8%	$6.7M+28.8%	$5.2M-11.2%	$5.9M+56.6%	$3.8M-2.7%	$3.9M-10.1%	$4.3M+8.3%	$4.0M-68.7%	$12.6M+114.7%	$5.9M+5.3%	$5.6M+45.7%	$3.8M+564.4%	$578K-74.9%	$2.3M
Free Cash Flow	$105.8M	$96.9M+34.6%	$72.0M-13.3%	$83.0M-20.4%	$104.2M+8.1%	$96.5M+103.4%	$47.4M-31.6%	$69.3M-15.2%	$81.7M+26.3%	$64.7M+213.1%	$20.7M-38.2%	$33.5M+38.6%	$24.1M-16.7%	$29.0M-20.8%	$36.6M-9.5%	$40.4M
Investing Cash Flow	-$236.7M	-$83.7M+67.8%	-$259.7M+42.8%	-$454.4M+49.4%	-$897.6M-608.0%	-$126.8M+85.4%	-$867.4M-152.6%	-$343.4M+20.4%	-$431.3M-29.7%	-$332.5M-5.9%	-$313.9M-65.2%	-$190.0M-423.6%	-$36.3M-268.1%	$21.6M+137.1%	-$58.2M-0.7%	-$57.8M
Financing Cash Flow	$162.9M	$207.0M-21.5%	$263.7M-42.9%	$461.7M+808.7%	$50.8M-92.7%	$694.7M-23.7%	$910.9M+218.6%	$285.9M-24.6%	$379.3M+34.8%	$281.4M+1.4%	$277.7M+83.8%	$151.1M+2451.3%	$5.9M+104.9%	-$120.2M-251.0%	$79.6M+83.7%	$43.3M
Dividends Paid	$25.5M	$25.3M+2.0%	$24.8M-0.8%	$25.1M+1.8%	$24.6M+4.4%	$23.6M+34.4%	$17.5M-25.2%	$23.4M-0.3%	$23.5M+10.3%	$21.3M+25.1%	$17.0M+13.4%	$15.0M+15.5%	$13.0M+29.6%	$10.0M-40.1%	$16.8M+25.3%	$13.4M
Share Buybacks	$51.7M	$34.6M+83.4%	$18.9M+3987.0%	$462K-95.9%	$11.4M+3758.0%	$295K-93.3%	$4.4M+114.3%	$2.0M-65.8%	$6.0M+70.0%	$3.5M-57.9%	$8.4M-37.3%	$13.3M+189.7%	$4.6M-61.7%	$12.0M+418.0%	$2.3M+20.3%	$1.9M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$24.0M+8.3%	$22.1M-27.8%	$30.7M-4.1%	$32.0M+37.5%	$23.3M+49.0%	$15.6M-44.4%	$28.0M-27.9%	$38.9M
Capital Expenditures	$1.1M+84.4%	$578K-13.7%	$670K+7.7%	$622K-53.8%	$1.3M-31.0%	$1.9M+205.8%	$637K+3.6%	$615K
Free Cash Flow	$22.9M+6.2%	$21.6M-28.1%	$30.0M-4.3%	$31.4M+43.1%	$21.9M+60.5%	$13.7M-50.2%	$27.4M-28.4%	$38.3M
Investing Cash Flow	-$91.8M-147.2%	-$37.1M+70.2%	-$124.5M-843.4%	$16.8M-38.4%	$27.2M+977.7%	-$3.1M+97.0%	-$104.5M-126.2%	-$46.2M
Financing Cash Flow	$40.8M+112.9%	-$316.4M-87.0%	-$169.2M-127.8%	$607.6M+1125.8%	-$59.2M+65.6%	-$172.2M-73.2%	-$99.4M-131.0%	$321.1M
Dividends Paid	$6.4M-1.9%	$6.5M+4.2%	$6.3M-1.1%	$6.3M-0.4%	$6.3M-0.8%	$6.4M+4.9%	$6.1M-0.4%	$6.1M
Share Buybacks	$16.6M+39.9%	$11.9M-22.9%	$15.4M+98.5%	$7.8M+58.7%	$4.9M-25.2%	$6.5M+56.7%	$4.2M-0.3%	$4.2M

UVSP Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

UVSP quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	27.7%+2.3pp	25.4%+1.4pp	24.0%-2.4pp	26.4%-17.4pp	43.8%+20.8pp	23.0%-7.7pp	30.7%+4.2pp	26.5%-0.5pp	27.1%+11.6pp	15.4%-11.3pp	26.7%-2.4pp	29.2%+1.9pp	27.3%+1.4pp	25.9%+3.8pp	22.1%
Return on Equity	9.6%+1.1pp	8.6%+0.1pp	8.5%-1.6pp	10.1%-1.8pp	11.9%+5.1pp	6.8%-2.9pp	9.7%+1.6pp	8.1%+0.8pp	7.3%+3.4pp	3.9%-3.7pp	7.5%-0.3pp	7.8%+0.3pp	7.5%+0.2pp	7.3%+0.4pp	6.9%
Return on Assets	1.1%+0.2pp	0.9%0.0pp	0.9%-0.2pp	1.1%-0.2pp	1.3%+0.5pp	0.7%-0.5pp	1.2%+0.2pp	1.0%0.0pp	1.0%+0.5pp	0.5%-0.5pp	0.9%0.0pp	1.0%0.0pp	1.0%+0.1pp	0.9%+0.1pp	0.9%
Debt-to-Equity	7.94-0.2x	8.16-0.1x	8.270.0x	8.30+0.1x	8.20+0.1x	8.15+7.9x	0.220.0x	0.230.0x	0.260.0x	0.25+0.3x	0.00-6.9x	6.860.0x	6.81-0.3x	7.11+7.1x	0.02
FCF Margin	29.5%+5.5pp	24.1%-3.9pp	28.0%-7.2pp	35.2%-10.8pp	46.0%+22.7pp	23.3%-9.1pp	32.4%-10.5pp	42.9%+3.2pp	39.7%+23.4pp	16.3%-16.5pp	32.8%+1.1pp	31.7%-5.7pp	37.3%-8.0pp	45.3%-1.9pp	47.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	27.2%-3.8pp	31.0%+4.1pp	26.9%-3.9pp	30.8%+6.2pp	24.6%-3.6pp	28.3%+3.6pp	24.7%-0.7pp	25.3%
Return on Equity	2.4%-0.4pp	2.9%+0.4pp	2.4%-0.3pp	2.8%+0.6pp	2.2%-0.3pp	2.5%+0.3pp	2.1%0.0pp	2.1%
Return on Assets	0.3%-0.1pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%0.0pp	0.2%
Debt-to-Equity	7.600.0x	7.55-0.4x	7.94-0.2x	8.19+0.5x	7.66-0.2x	7.83-0.3x	8.16-0.2x	8.36
FCF Margin	27.2%+2.5pp	24.6%-10.8pp	35.5%-2.2pp	37.7%+10.6pp	27.0%+9.8pp	17.2%-18.4pp	35.7%-16.5pp	52.2%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Univest Financial Corp Ranks

Frequently Asked Questions

What is Univest Financial Corp's annual revenue?

Univest Financial Corp (UVSP) reported $328.1M in total revenue for fiscal year 2025. This represents a 9.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Univest Financial Corp's revenue growing?

Univest Financial Corp (UVSP) revenue grew by 9.6% year-over-year, from $299.2M to $328.1M in fiscal year 2025.

Is Univest Financial Corp profitable?

Yes, Univest Financial Corp (UVSP) reported a net income of $90.8M in fiscal year 2025, with a net profit margin of 27.7%.

What is Univest Financial Corp's net profit margin?

Univest Financial Corp (UVSP) had a net profit margin of 27.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Univest Financial Corp pay dividends?

Yes, Univest Financial Corp (UVSP) paid $0.87 per share in dividends during fiscal year 2025.

What is Univest Financial Corp's return on equity (ROE)?

Univest Financial Corp (UVSP) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Univest Financial Corp's free cash flow?

Univest Financial Corp (UVSP) generated $96.9M in free cash flow during fiscal year 2025. This represents a 34.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Univest Financial Corp's operating cash flow?

Univest Financial Corp (UVSP) generated $101.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Univest Financial Corp's total assets?

Univest Financial Corp (UVSP) had $8.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Univest Financial Corp's capital expenditures?

Univest Financial Corp (UVSP) invested $4.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Univest Financial Corp buy back shares?

Yes, Univest Financial Corp (UVSP) spent $34.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Univest Financial Corp have outstanding?

Univest Financial Corp (UVSP) had 28M shares outstanding as of fiscal year 2025.

What is Univest Financial Corp's debt-to-equity ratio?

Univest Financial Corp (UVSP) had a debt-to-equity ratio of 7.94 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Univest Financial Corp's return on assets (ROA)?

Univest Financial Corp (UVSP) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Univest Financial Corp's Piotroski F-Score?

Univest Financial Corp (UVSP) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Univest Financial Corp's earnings high quality?

Univest Financial Corp (UVSP) has an earnings quality ratio of 1.12x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Univest Financial Corp?

Univest Financial Corp (UVSP) scores 57 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.