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Financials · UVSP

Univest Financial Corporation (UVSP) financials

For the twelve months ended Sep 30, 2026, Univest Financial Corporation reported $346.41M of revenue and $94.36M of net income.

Revenue, TTM
$346.41M
Revenue growth, YoY
+8.2%
Net income, TTM
$94.36M
Net income growth, YoY
+8.5%
Net margin
27.2%
Free cash flow, TTM
$119.69M
EPS, diluted, TTM
$3.34
EPS growth, YoY
+11.7%
Cash
$625.08M
P/E
11.82
P/S
3.22
Market cap
$1.12B
Annual revenue$328.06M
FY2016FY2025
Annual net income$90.76M
FY2016FY2025
Annual free cash flow$96.93M
FY2016FY2025

UVSP revenue and earnings growth

UVSP revenueQ3 2026$90.03M

Quarter YoY
+8.1%
QoQ
+6.7%
FY YoY
+9.6%
5Y CAGR
+5.4%
10Y CAGR
+8.4%

UVSP revenue was $90.03M in fiscal Q3 2026 (ended Sep 30, 2026), up 8.1% from a year earlier and up 6.7% from the prior quarter. For the full fiscal 2025 it was $328.06M, up 9.6% from fiscal 2024. Compound annual growth was +5.4% over 5 years and +8.4% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UVSP net incomeQ3 2026$21.57M

Quarter YoY
-15.9%
QoQ
-6.0%
FY YoY
+19.5%
5Y CAGR
+14.1%
10Y CAGR
+12.8%

UVSP net income was $21.57M in fiscal Q3 2026 (ended Sep 30, 2026), down 15.9% from a year earlier and down 6.0% from the prior quarter. For the full fiscal 2025 it was $90.76M, up 19.5% from fiscal 2024. Compound annual growth was +14.1% over 5 years and +12.8% over 10 years. It rose in 6 of the last 10 fiscal years.

UVSP EPSQ3 2026$0.78

Quarter YoY
-12.4%
QoQ
-4.9%
FY YoY
+21.3%
5Y CAGR
+14.4%
10Y CAGR
+8.5%

UVSP diluted EPS was $0.78 in fiscal Q3 2026 (ended Sep 30, 2026), down 12.4% from a year earlier and down 4.9% from the prior quarter. For the full fiscal 2025 it was $3.13, up 21.3% from fiscal 2024. Compound annual growth was +14.4% over 5 years and +8.5% over 10 years.

UVSP free cash flowQ3 2026$45.23M

Quarter YoY
+44.2%
QoQ
+97.5%
FY YoY
+34.6%
5Y CAGR
+15.4%
10Y CAGR
+11.2%

UVSP free cash flow was $45.23M in fiscal Q3 2026 (ended Sep 30, 2026), up 44.2% from a year earlier and up 97.5% from the prior quarter. For the full fiscal 2025 it was $96.93M, up 34.6% from fiscal 2024. Compound annual growth was +15.4% over 5 years and +11.2% over 10 years. It rose in 5 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$328.06M$299.23M$296.82M$296.18M$271.61M$252.69M$234.65M$218.24M$202.42M$170.19M
Interest expense--$151.73M$33.90M$21.35M$29.58M$44.86M$32.43M$19.84M$12.38M
Pre-tax income$113.35M$95.30M$88.69M$97.21M$114.33M$56.90M$80.05M$60.69M$61.81M$23.39M
Income tax$22.59M$19.37M$17.59M$19.09M$22.53M$9.98M$14.33M$10.14M$17.72M$3.88M
Net income$90.76M$75.93M$71.10M$78.12M$91.80M$46.92M$65.72M$50.54M$44.09M$19.50M
EPS, basic$3.16$2.60$2.42$2.66$3.12$1.60$2.24$1.72$1.64$0.85
EPS, diluted$3.13$2.58$2.41$2.64$3.11$1.60$2.24$1.72$1.64$0.84
Diluted shares29.0M29.4M29.5M29.6M29.6M29.3M29.3M29.3M26.7M22.9M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$553.71M$328.84M$249.80M$152.80M$890.15M$219.86M$125.13M$109.42M$75.41M$57.83M
Goodwill$175.51M$175.51M$175.51M$175.51M$175.51M$172.56M$172.56M$172.56M$172.56M$172.56M
Total assets$8.44B$8.13B$7.78B$7.22B$7.12B$6.34B$5.38B$4.98B$4.55B$4.23B
Short-term debt$24.41M$11.18M$6.31M$197.14M$20.11M$17.91M$18.68M$189.77M$105.43M$196.17M
Total debt------$150.10M$145.33M$155.83M$127.52M
Total liabilities$7.49B$7.24B$6.94B$6.45B$6.35B$5.64B$4.71B$4.36B$3.95B$3.73B
Shareholders' equity$943.32M$887.30M$839.21M$776.50M$773.79M$692.47M$675.12M$624.13M$603.37M$505.21M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$101.51M$75.11M$89.74M$109.45M$102.34M$51.18M$73.15M$86.01M$68.66M$33.31M
Capital expenditures$4.58M$3.10M$6.72M$5.22M$5.88M$3.75M$3.86M$4.29M$3.96M$12.64M
Free cash flow$96.93M$72.00M$83.02M$104.23M$96.46M$47.43M$69.29M$81.72M$64.70M$20.66M
Investing cash flow-$83.68M-$259.74M-$454.44M-$897.61M-$126.78M-$867.39M-$343.37M-$431.32M-$332.49M-$313.93M
Financing cash flow$207.04M$263.68M$461.69M$50.81M$694.73M$910.94M$285.93M$379.32M$281.41M$277.65M
Dividends paid$25.33M$24.84M$25.05M$24.61M$23.57M$17.54M$23.43M$23.50M$21.30M$17.02M
Share repurchases$34.63M$18.88M$462.0K$11.38M$295.0K$4.38M$2.04M$5.98M$3.52M$8.36M
Stock-based compensation$4.69M$4.62M$4.19M$4.12M$3.70M$1.48M$2.35M$2.56M$3.17M$2.08M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY9.6%0.8%0.2%9.0%7.5%7.7%7.5%7.8%18.9%16.3%
Net income growth, YoY19.5%6.8%-9.0%-14.9%95.7%-28.6%30.0%14.6%126.1%-28.5%
EPS growth, YoY21.3%7.1%-8.7%-15.1%94.4%-28.6%30.2%4.9%95.2%-39.6%
Net margin27.7%25.4%24.0%26.4%33.8%18.6%28.0%23.2%21.8%11.5%
Free cash flow margin29.5%24.1%28.0%35.2%35.5%18.8%29.5%37.4%32.0%12.1%
Return on equity9.6%8.6%8.5%10.1%11.9%6.8%9.7%8.1%7.3%3.9%
Return on assets1.1%0.9%0.9%1.1%1.3%0.7%1.2%1.0%1.0%0.5%
Debt to equity------0.220.230.260.25

Source: XBRL data Univest Financial Corporation files with the SEC, latest filing dated Nov 3, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

UVSP peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
UVSP$346.41M+8.2%$94.36M27.2%$1.12B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

UVSP FAQ

8 questions
  • What is UVSP revenue?
    Univest Financial Corporation (UVSP) reported $346.41M of revenue for the twelve months ended Sep 30, 2026. That is up 8.2% from the year before. Revenue for fiscal 2025 was $328.06M.
  • Is UVSP profitable?
    Yes. Univest Financial Corporation earned $94.36M in net income for the twelve months ended Sep 30, 2026, a net margin of 27.2%.
  • How much cash and debt does UVSP have?
    Univest Financial Corporation reported $625.08M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is UVSP revenue growing?
    Univest Financial Corporation's revenue changed +9.6% in fiscal 2025, to $328.06M. Its compound annual growth rate was +5.4% over 5 years and +8.4% over 10 years.
  • What is UVSP free cash flow?
    Univest Financial Corporation generated $119.69M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $123.17M less capital expenditures.
  • What is UVSP earnings per share?
    Diluted earnings per share were $3.34 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did UVSP last report financial results?
    The latest statements here come from Univest Financial Corporation's 10-Q filed on Nov 3, 2026, covering the period ended Sep 30, 2026.
  • Where does this UVSP financial data come from?
    Quantisnow builds these statements from the structured XBRL data Univest Financial Corporation files with the SEC. It is provided for information only and is not investment advice.