Univest Financial Corp Financials
This page shows Univest Financial Corp (UVSP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).
Thin returns on a very large asset base drive results, with equity returns amplified by leverage rather than rich margins.
Between FY2023 and FY2025, return on assets moved from0.9% to1.1% . On an asset base above$8B , that small lift was enough to push earnings back near the FY2021 level, because leverage near 8x turns modest asset-level improvement into a much larger change in returns to equity; this is a business where tiny shifts in asset profitability matter more than flashy top-line growth.
Cash conversion looks sturdy: FY2025 free cash flow of
The earnings recovery was operational, not balance-sheet driven: debt-to-equity only eased from 8.3x to 7.9x between FY2023 and FY2025. Even while buybacks reached
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.
Univest Financial Corp's revenue grew 9.6% year-over-year to $328.1M, a solid pace of expansion. This earns a growth score of 42/100.
Univest Financial Corp has elevated debt relative to equity (D/E of 7.94), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Univest Financial Corp converts 29.5% of revenue into free cash flow ($96.9M). This strong cash generation earns a score of 94/100.
Univest Financial Corp's ROE of 9.6% shows moderate profitability relative to equity, earning a score of 31/100. This is up from 8.6% the prior year.
Univest Financial Corp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
Univest Financial Corp generated $328.1M in revenue in fiscal year 2025. This represents an increase of 9.6% from the prior year.
Univest Financial Corp reported $90.8M in net income in fiscal year 2025. This represents an increase of 19.5% from the prior year.
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.
Cash & Balance Sheet
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.
Univest Financial Corp held $553.7M in cash against $0 in long-term debt as of fiscal year 2025.
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.
Univest Financial Corp had 28M shares outstanding in fiscal year 2025. This represents a decrease of 3.2% from the prior year.
Margins & Returns
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.
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.
Capital Allocation
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.
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.
UVSP Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $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+1.9% | $72.0M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $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+1.7% | $30.2M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $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+9.1% | $48.8M |
| Income Tax | $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+7.2% | $4.5M |
| Net Income | $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+2.6% | $18.1M |
| EPS (Diluted) | $0.96 | N/A | $0.89+29.0% | $0.69-10.4% | $0.77 | N/A | $0.63+1.6% | $0.62 |
UVSP Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $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+4.5% | $7.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $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+164.4% | $190.9M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 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-4.1% | $7.5B-1.9% | $7.6B+8.8% | $7.0B-0.7% | $7.1B-2.3% | $7.2B-1.2% | $7.3B+4.7% | $7.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $175.0M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $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+2.7% | $854.1M |
| Retained Earnings | $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+2.5% | $500.5M |
UVSP Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $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+1240.6% | -$3.4M |
| Capital Expenditures | $578K-13.7% | $670K+7.7% | $622K-53.8% | $1.3M-31.0% | $1.9M+205.8% | $637K+3.6% | $615K-24.3% | $812K |
| Free Cash Flow | $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+1006.7% | -$4.2M |
| Investing Cash Flow | -$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+51.2% | -$94.6M |
| Financing Cash Flow | -$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+267.8% | $87.3M |
| Dividends Paid | $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-4.6% | $6.4M |
| Share Buybacks | $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+3.8% | $4.0M |
UVSP Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 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%+0.2pp | 25.1% |
| Return on Equity | 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%0.0pp | 2.1% |
| Return on Assets | 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%0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.55-0.4 | 7.94-0.2 | 8.19+0.5 | 7.66-0.2 | 7.83-0.3 | 8.16-0.2 | 8.36+0.2 | 8.20 |
| FCF Margin | 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%+58.1pp | -5.9% |
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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.
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 9, indicating neutral financial health. 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 28 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.