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

Univest Financial Corporation (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 Corporation (UVSP) 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

Market Cap $1.1B as of Oct 14, 2026

Price / Sales 3.3x on $339.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.4x on $98.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $954.3M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

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

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 28, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UVSP SEC filings page.

Univest Financial Corporation (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 2026-10-04

2025 earnings recovered as revenue accelerated, while a highly leveraged balance sheet remains central to how Univest generates returns.

Net income grew 19.5% while revenue grew 9.6% from FY2024 to FY2025, indicating earnings improved faster than activity. Interest expense fell from $201M to $190M over the same period, making a lighter funding-cost load part of the margin improvement rather than volume alone.

The FY2025 balance sheet places $8.4B of assets over $943M of equity, so the business is structurally leverage-dependent rather than primarily equity-funded. That leverage helps explain why a modest 1.1% ROA corresponds to a 9.6% ROE.

FY2025 operating cash flow was $102M versus $91M of net income, showing cash conversion exceeded accounting earnings. Free cash flow was $97M against only $4.6M of capital expenditure, indicating reported cash generation was not absorbed by physical reinvestment.

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 Corporation'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

Univest Financial Corporation earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and Univest Financial Corporation scores 61/100 among other banks.

Growth

Univest Financial Corporation reported revenue of $328.1M in fiscal year 2025, against $299.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Univest Financial Corporation scores 37/100 among other banks.

Capital

Univest Financial Corporation funded 11.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $943.3M of equity against $8.4B of assets. Capital ranks banks on that cushion, and Univest Financial Corporation scores 48/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Univest Financial Corporation scores 49/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Univest Financial Corporation scores 61/100 on it among other banks.

Stability

Univest Financial Corporation reported net income of $90.8M in fiscal year 2025, against $75.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Univest Financial Corporation scores 86/100 among other banks.

Piotroski F-Score Partial

6/6

Univest Financial Corporation 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 Corporation 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

Export CSV

Earnings & Revenue

Revenue

$84.4M

YoY+4.1%

QoQ-3.5%

5Y CAGR+4.7%

10Y CAGR+8.4%

Univest Financial Corporation generated $84.4M in revenue in Q2 2026. This represents an increase of 4.1% from the same quarter a year earlier. Against the prior quarter it is down 3.5%.

Net Income

$23.0M

YoY+14.9%

QoQ-15.3%

5Y CAGR+1.9%

10Y CAGR+15.9%

Univest Financial Corporation reported $23.0M in net income in Q2 2026. This represents an increase of 14.9% from the same quarter a year earlier. Against the prior quarter it is down 15.3%.

EPS (Diluted)

$0.82

YoY+18.8%

QoQ-14.6%

5Y CAGR+2.9%

10Y CAGR+11.7%

Univest Financial Corporation earned $0.82 per diluted share (EPS) in Q2 2026. This represents an increase of 18.8% from the same quarter a year earlier. Against the prior quarter it is down 14.6%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$22.9M

YoY+4.5%

QoQ+6.2%

5Y CAGR+6.2%

10Y CAGR+13.1%

Univest Financial Corporation generated $22.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 4.5% from the same quarter a year earlier. Against the prior quarter it is up 6.2%.

Cash & Debt

$195.3M

YoY+21.8%

QoQ-12.2%

5Y CAGR-0.8%

Univest Financial Corporation held $195.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.23

YoY+4.5%

QoQ+4.5%

5Y CAGR+2.8%

10Y CAGR+1.4%

Univest Financial Corporation paid $0.23 per share in dividends in Q2 2026. This represents an increase of 4.5% from the same quarter a year earlier. Against the prior quarter it is up 4.5%.

Shares Outstanding

28M

YoY-4.3%

QoQ-1.0%

5Y CAGR-1.3%

10Y CAGR+0.4%

Univest Financial Corporation had 28M shares outstanding in Q2 2026. This represents a decrease of 4.3% from the same quarter a year earlier. Against the prior quarter it is down 1.0%.

Margins & Returns

Net Margin

27.2%

YoY+2.6pp

QoQ-3.8pp

5Y change-3.9pp

10Y change+13.3pp

Univest Financial Corporation's net profit margin was 27.2% in Q2 2026, showing the share of revenue converted to profit. This is up 2.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.8 percentage points.

Return on Equity

2.4%

YoY+0.2pp

QoQ-0.4pp

5Y change-0.4pp

10Y change+1.0pp

Univest Financial Corporation's ROE was 2.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$16.6M

YoY+239.8%

QoQ+39.9%

10Y CAGR+27.0%

Univest Financial Corporation spent $16.6M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 239.8% from the same quarter a year earlier. Against the prior quarter it is up 39.9%.

Capital Expenditures

$1.1M

YoY-20.7%

QoQ+84.4%

5Y CAGR-7.8%

10Y CAGR-6.2%

Univest Financial Corporation invested $1.1M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 20.7% from the same quarter a year earlier. Against the prior quarter it is up 84.4%.

R&D Spending

Not reported for Q2 2026.

UVSP Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UVSP quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$339.6M	$328.1M+9.6%	$299.2M+0.8%	$296.8M+0.2%	$296.2M+9.0%	$271.6M+7.5%	$252.7M+7.7%	$234.7M+7.5%	$218.2M+7.8%	$202.4M+18.9%	$170.2M+16.3%	$146.3M+21.4%	$120.5M+1.1%	$119.2M+5.8%	$112.7M+3.3%	$109.1M
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 (Basic)	N/A	$3.16+21.5%	$2.60+7.4%	$2.42-9.0%	$2.66-14.7%	$3.12+95.0%	$1.60-28.6%	$2.24+30.2%	$1.72+4.9%	$1.64+92.9%	$0.85-38.8%	$1.39+1.5%	$1.37+7.0%	$1.28+2.4%	$1.25+10.6%	$1.13
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
Diluted Shares (Avg)	N/A	29M-1.4%	29M-0.4%	30M-0.1%	30M0.0%	30M+1.0%	29M0.0%	29M0.0%	29M+9.6%	27M+16.5%	23M+17.5%	20M+21.4%	16M-2.1%	16M-2.3%	17M+0.4%	17M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$84.4M+4.1%	$87.5M+10.4%	$84.6M+10.1%	$83.2M+13.5%	$81.0M+12.5%	$79.2M+2.8%	$76.8M+7.6%	$73.4M+1.5%
SG&A Expenses	$33.2M+5.3%	$33.5M+8.5%	$33.0M+4.7%	$31.7M+3.1%	$31.5M+4.5%	$30.8M-1.6%	$31.5M+7.5%	$30.7M+2.4%
Interest Expense	$41.9M-9.3%	$43.0M-7.8%	$49.2M-5.5%	$48.3M-9.2%	$46.2M-5.4%	$46.6M-1.1%	$52.0M+7.3%	$53.2M+22.3%
Income Tax	$5.6M+11.3%	$6.4M+23.8%	$6.0M+23.8%	$6.4M+33.5%	$5.0M+12.3%	$5.2M-1.7%	$4.8M+16.2%	$4.8M+13.1%
Net Income	$23.0M+14.9%	$27.1M+21.0%	$22.7M+20.1%	$25.6M+38.0%	$20.0M+10.3%	$22.4M+10.3%	$18.9M+16.5%	$18.6M+9.2%
EPS (Basic)	$0.83+20.3%	$0.97+26.0%	$0.80+23.1%	$0.89+39.1%	$0.69+11.3%	$0.77+11.6%	$0.65+16.1%	$0.64+10.3%
EPS (Diluted)	$0.82+18.8%	$0.96+24.7%	$0.79+23.4%	$0.89+41.3%	$0.69+11.3%	$0.77+11.6%	$0.64+16.4%	$0.63+8.6%
Diluted Shares (Avg)	28M-3.7%	28M-3.3%	N/A	29M-1.3%	29M-1.0%	29M-1.0%	N/A	29M-0.7%

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

UVSP Balance Sheet

UVSP quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$8.2B+3.3%	$8.1B+2.1%	$8.4B+3.8%	$8.6B+4.5%	$7.9B+1.1%	$8.0B+3.0%	$8.1B+4.5%	$8.2B+4.8%
Cash & Equivalents	$195.3M+21.8%	$222.4M+31.5%	$553.7M+68.4%	$816.7M+61.8%	$160.4M-16.0%	$169.1M-16.1%	$328.8M+31.6%	$504.7M+73.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%	$175.5M0.0%
Total Liabilities	$7.2B+3.2%	$7.2B+1.7%	$7.5B+3.5%	$7.6B+4.3%	$7.0B+0.3%	$7.1B+2.4%	$7.2B+4.3%	$7.3B+4.4%
Total Equity	$954.3M+4.1%	$952.0M+5.4%	$943.3M+6.3%	$933.2M+6.4%	$916.7M+7.3%	$903.5M+7.1%	$887.3M+5.7%	$877.1M+8.7%
Retained Earnings	$628.3M+13.1%	$611.8M+12.9%	$591.2M+12.4%	$574.7M+12.0%	$555.4M+11.0%	$541.8M+10.8%	$525.8M+10.8%	$512.9M+10.4%

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

UVSP Cash Flow Statement

UVSP quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Stock-Based Compensation	N/A	$4.7M+1.6%	$4.6M+10.0%	$4.2M+1.8%	$4.1M+11.4%	$3.7M+149.9%	$1.5M-37.0%	$2.3M-8.2%	$2.6M-19.2%	$3.2M+51.9%	$2.1M+46.7%	$1.4M+24.5%	$1.1M+16.7%	$978K-22.8%	$1.3M+42.7%	$888K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$24.0M+3.1%	$22.1M+41.9%	$30.7M+9.4%	$32.0M-17.8%	$23.3M+781.8%	$15.6M+34.9%	$28.0M+0.6%	$38.9M+78.4%
Stock-Based Compensation	N/A	$1.2M+16.0%	N/A	N/A	N/A	$1.1M+4.1%	N/A	N/A
Capital Expenditures	$1.1M-20.7%	$578K-70.3%	$670K+5.2%	$622K+1.1%	$1.3M+65.6%	$1.9M+87.3%	$637K-57.6%	$615K-35.0%
Free Cash Flow	$22.9M+4.5%	$21.6M+57.9%	$30.0M+9.5%	$31.4M-18.1%	$21.9M+618.8%	$13.7M+29.7%	$27.4M+3.9%	$38.3M+83.6%
Investing Cash Flow	-$91.8M-437.4%	-$37.1M-1097.8%	-$124.5M-19.2%	$16.8M+136.3%	$27.2M+128.8%	-$3.1M+78.6%	-$104.5M-638.2%	-$46.2M+47.6%
Financing Cash Flow	$40.8M+168.9%	-$316.4M-83.7%	-$169.2M-70.2%	$607.6M+89.3%	-$59.2M-167.9%	-$172.2M-280.4%	-$99.4M-13.2%	$321.1M+48.5%
Dividends Paid	$6.4M+0.7%	$6.5M+1.9%	$6.3M+2.6%	$6.3M+3.3%	$6.3M-1.0%	$6.4M+3.1%	$6.1M-1.6%	$6.1M-1.1%
Share Buybacks	$16.6M+239.8%	$11.9M+81.8%	$15.4M+269.2%	$7.8M+85.4%	$4.9M+21.2%	$6.5M+1.0%	$4.2M+803.9%	$4.2M

Not reported in any period shown, so not listed: Depreciation & Amortization.

UVSP Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UVSP quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	27.7%+2.3pp	25.4%+1.4pp	24.0%-2.4pp	26.4%-7.4pp	33.8%+15.2pp	18.6%-9.4pp	28.0%+4.9pp	23.2%+1.4pp	21.8%+10.3pp	11.5%-7.2pp	18.6%+0.2pp	18.4%+0.7pp	17.8%-0.7pp	18.5%+1.2pp	17.3%
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
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	29.5%+5.5pp	24.1%-3.9pp	28.0%-7.2pp	35.2%-0.3pp	35.5%+16.7pp	18.8%-10.8pp	29.5%-7.9pp	37.4%+5.5pp	32.0%+19.8pp	12.1%-10.7pp	22.9%+2.8pp	20.0%-4.3pp	24.3%-8.1pp	32.4%-4.6pp	37.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	27.2%+2.6pp	31.0%+2.7pp	26.9%+2.2pp	30.8%+5.5pp	24.6%-0.5pp	28.3%+1.9pp	24.7%+1.9pp	25.3%+1.8pp
Return on Equity	2.4%+0.2pp	2.9%+0.4pp	2.4%+0.3pp	2.8%+0.6pp	2.2%+0.1pp	2.5%+0.1pp	2.1%+0.2pp	2.1%0.0pp
Return on Assets	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	7.60-0.1x	7.55-0.3x	7.94-0.2x	8.19-0.2x	7.66-0.5x	7.83-0.4x	8.16-0.1x	8.36-0.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	27.2%+0.1pp	24.6%+7.4pp	35.5%-0.2pp	37.7%-14.5pp	27.0%+32.9pp	17.2%+3.6pp	35.7%-1.3pp	52.2%+23.3pp

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

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Univest Financial Corporation UVSP	FY2025	$328.1M	$90.8M	27.7%	$1.1B	57/100
Southside Bancshares, Inc. SBSI	FY2025	$237.0M	$69.2M	29.2%	$905.6M	52/100
Tompkins Financial Corporation TMP	FY2025	$446.6M	$161.1M	36.1%	$1.4B	49/100
First Mid Bancshares, Inc. FMBH	FY2025	$349.2M	$91.7M	26.3%	$1.3B	50/100
Burke & Herbert Financial Services Corp. BHRB	FY2025	$342.0M	$117.3M	34.3%	$1.4B	44/100
Amalgamated Financial Corp. AMAL	FY2025	$328.7M	$104.5M	31.8%	$1.4B	46/100

Where Univest Financial Corporation Ranks

Frequently Asked Questions

What is Univest Financial Corporation's annual revenue?

Univest Financial Corporation (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 Corporation's revenue growing?

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

Is Univest Financial Corporation profitable?

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

What is Univest Financial Corporation's net profit margin?

Univest Financial Corporation (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 Corporation pay dividends?

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

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

Univest Financial Corporation (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 Corporation's free cash flow?

Univest Financial Corporation (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 Corporation's operating cash flow?

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

What are Univest Financial Corporation's total assets?

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

What are Univest Financial Corporation's capital expenditures?

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

Does Univest Financial Corporation buy back shares?

Yes, Univest Financial Corporation (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 Corporation have outstanding?

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

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

Univest Financial Corporation (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 Corporation's return on assets (ROA)?

Univest Financial Corporation (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 Corporation's P/E ratio?

Univest Financial Corporation (UVSP) trades at 11.4x earnings, its market capitalization divided by net income of $98.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.1B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Univest Financial Corporation's price-to-sales ratio?

Univest Financial Corporation (UVSP) trades at 3.3x sales, its market capitalization divided by revenue of $339.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.1B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Univest Financial Corporation (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 Corporation's earnings high quality?

Univest Financial Corporation (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 Corporation?

Univest Financial Corporation (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.