NASDAQ : UVSP
Univest Financial Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 39.6 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.08B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 406.41M | 397.81M | 383.31M | 347.92M | 237.16M | 201.35M |
| Interest Income on Investments | 32.68M | 32.68M | 29.05M | 23.81M | 15.04M | 8.38M |
| Total Interest Income | 439.09M | 430.49M | 412.36M | 371.73M | 252.19M | 209.73M |
| Interest Paid on Deposits | 160.89M | 172.02M | 180.87M | 126.05M | 25.42M | 12.87M |
| Interest Paid on Borrowings | 18.27M | 18.27M | 20.32M | 25.68M | 8.47M | 8.47M |
| Total Interest Expense | 179.16M | 190.29M | 201.19M | 151.73M | 33.90M | 21.35M |
| Net Interest Income | 259.92M | 240.19M | 211.17M | 220.00M | 218.30M | 188.38M |
| Trust Income | 9.11M | 8.85M | 8.49M | 7.73M | 7.74M | 8.40M |
| Mortgage Banking Activities | 4.19M | 3.36M | 5.26M | 3.69M | 4.41M | 15.14M |
| Gain (Loss) on Sale of Investments | 11.00K | 18.00K | 30.00K | 145.00K | ||
| Other Non-Interest Income | 67.07M | 64.56M | 65.96M | 58.35M | 59.52M | 54.03M |
| Total Non-Interest Income | 84.39M | 85.76M | 87.81M | 76.82M | 77.89M | 83.22M |
| Revenues Before Loan Losses | 344.31M | 325.96M | 298.98M | 296.82M | 296.18M | 271.61M |
| Provision for Loan Losses | 16.12M | 11.67M | 5.93M | 10.77M | 12.20M | -10.13M |
| Revenue | 328.19M | 314.29M | 293.05M | 286.05M | 283.98M | 281.74M |
| Salaries and Employee Benefits | 129.14M | 122.24M | 119.04M | 115.89M | 111.59M | 100.40M |
| Occupancy Expenses | 7.49M | 7.01M | 6.83M | 10.69M | 10.19M | 10.40M |
| Federal Deposit Insurance | 4.65M | 4.53M | 4.43M | 4.83M | 3.08M | 2.71M |
| Selling, General & Administrative | 41.61M | 39.51M | 38.89M | 34.55M | 35.13M | 30.18M |
| Other Non-Interest Expense | 29.19M | 29.75M | 28.81M | 29.89M | 26.60M | 23.72M |
| Total Non-Interest Expense | 212.08M | 203.04M | 197.99M | 195.84M | 186.59M | 167.41M |
| EBT Excluding Unusual Items | 116.11M | 111.25M | 95.06M | 90.21M | 97.39M | 114.33M |
| Pretax Income | 117.79M | 113.35M | 95.30M | 88.69M | 97.21M | 114.33M |
| Income Tax Expense | 23.43M | 22.59M | 19.37M | 17.59M | 19.09M | 22.53M |
| Net Income | 94.36M | 90.76M | 75.93M | 71.10M | 78.12M | 91.80M |
| Preferred Dividends & Other Adjustments | 26.00K | |||||
| Net Income to Common | 94.36M | 90.76M | 75.93M | 71.10M | 78.12M | 91.78M |
| Basic Shares Outstanding | 27.91M | 28.73M | 29.21M | 29.43M | 29.39M | 29.39M |
| Diluted Shares Outstanding | 28.16M | 28.98M | 29.40M | 29.53M | 29.55M | 29.55M |
| EPS (Basic) | 3.38 | 3.16 | 2.60 | 2.42 | 2.66 | 3.12 |
| EPS (Diluted) | 3.35 | 3.13 | 2.58 | 2.41 | 2.64 | 3.11 |
| Dividend Per Share | 0.92 | 0.88 | 0.84 | 0.84 | 0.84 | 0.80 |
| Effective Tax Rate | 19.89% | 19.93% | 20.32% | 19.83% | 19.64% | 19.71% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 625.08M | 553.71M | 328.84M | 249.80M | 152.80M | 890.15M |
| Investment Securities | 2.42M | 97.33M | 89.88M | 88.29M | 87.12M | 102.62M |
| Trading Asset Securities | 331.00K | 226.00K | 717.00K | 148.00K | 852.00K | |
| Mortgage-Backed Securities | 489.23M | 413.97M | 419.18M | 412.33M | 420.44M | 394.37M |
| Total Investments | 491.65M | 511.63M | 509.28M | 501.34M | 507.71M | 497.84M |
| Gross Loans | 7.01B | 6.95B | 6.86B | 6.60B | 6.15B | 5.33B |
| Allowance for Loan Losses | -80.95M | -88.17M | -87.09M | -85.39M | -79.00M | -71.92M |
| Other Adjustments to Gross Loans | -30.65M | -31.93M | -30.48M | -21.93M | -19.10M | |
| Net Loans | 6.93B | 6.83B | 6.74B | 6.48B | 6.04B | 5.24B |
| Property, Plant & Equipment | 68.83M | 71.35M | 75.20M | 83.24M | 81.00M | 87.29M |
| Goodwill | 175.51M | 175.51M | 175.51M | 175.51M | 175.51M | 175.51M |
| Other Intangible Assets | 7.89M | 850.00K | 1.32M | 1.97M | 2.81M | 3.97M |
| Loans Held for Sale | 11.54M | 15.29M | 16.65M | 11.64M | 5.04M | 21.60M |
| Accrued Interest Receivable | 93.70M | 35.78M | 36.03M | 32.41M | 31.27M | 18.84M |
| Other Receivables | 679.00K | 582.00K | 551.00K | 5.53M | ||
| Other Current Assets | 13.54M | 12.52M | 9.66M | 9.49M | 12.15M | |
| Long-Term Deferred Tax Assets | 15.82M | 21.30M | 21.79M | 24.13M | 11.42M | |
| Other Real Estate Owned & Foreclosed | 19.35M | 23.99M | 20.22M | 19.03M | 19.26M | 279.00K |
| Other Long-Term Assets | 143.12M | 169.31M | 167.57M | 166.37M | 149.98M | 146.25M |
| Total Assets | 8.61B | 8.44B | 8.13B | 7.78B | 7.22B | 7.12B |
| Accounts Payable | 4.55M | 5.23M | 11.76M | 9.15M | 9.58M | |
| Accrued Expenses | 51.35M | 22.43M | 23.11M | 18.20M | 21.67M | 20.95M |
| Interest Bearing Deposits | 5.95B | 5.37B | 5.07B | 4.72B | 3.77B | 3.87B |
| Institutional Deposits | 281.90M | 276.00M | 187.00M | 95.00M | 119.90M | |
| Non-Interest Bearing Deposits | 1.41B | 1.43B | 1.41B | 1.47B | 2.05B | 2.07B |
| Total Deposits | 7.35B | 7.09B | 6.76B | 6.38B | 5.91B | 6.06B |
| Short-Term Borrowings | 186.00K | 24.63M | 11.25M | 12.70M | 206.15M | 20.69M |
| Current Portion of Long-Term Debt | 100.00M | |||||
| Current Portion of Leases | 4.39M | |||||
| Current Income Taxes Payable | 1.01M | 2.20M | ||||
| Accrued Interest Payable | 15.63M | 26.16M | 16.97M | 5.31M | 4.38M | |
| Long-Term Debt | 99.08M | 98.87M | 149.26M | 148.76M | 148.26M | 98.87M |
| Federal Home Loan Bank Debt, Long-Term | 125.00M | 100.00M | 225.00M | 310.00M | 95.00M | 95.00M |
| Long-Term Leases | 27.11M | 24.14M | 31.48M | 34.85M | 33.15M | 33.45M |
| Pension & Post-Retirement Benefits | 1.96M | 2.25M | 2.48M | 2.95M | 3.65M | |
| Other Long-Term Liabilities | 8.65M | 8.11M | 9.93M | 8.16M | 6.92M | |
| Total Liabilities | 7.66B | 7.49B | 7.24B | 6.94B | 6.45B | 6.35B |
| Common Stock | 157.78M | 157.78M | 157.78M | 157.78M | 157.78M | 157.78M |
| Additional Paid-In Capital | 303.85M | 304.02M | 302.83M | 301.07M | 300.81M | 299.18M |
| Retained Earnings | 643.56M | 591.20M | 525.78M | 474.69M | 428.64M | 375.12M |
| Treasury Stock | -119.88M | -84.22M | -55.10M | -43.69M | -48.62M | -41.94M |
| Comprehensive Income & Other | -36.16M | -25.47M | -43.99M | -50.65M | -62.10M | -16.35M |
| Shareholders' Equity | 949.16M | 943.32M | 887.30M | 839.21M | 776.50M | 773.79M |
| Total Liabilities & Equity | 8.61B | 8.44B | 8.13B | 7.78B | 7.22B | 7.12B |
| Total Debt | 251.38M | 352.03M | 416.99M | 506.31M | 482.56M | 248.02M |
| Net Cash (Debt) | 373.71M | 202.01M | -87.92M | -255.79M | -329.61M | 642.99M |
| Net Cash Per Share | 13.27 | 6.97 | -2.99 | -8.66 | -11.15 | 21.76 |
| Filing Date Shares Outstanding | 27.31M | 28.08M | 29.00M | 29.53M | 29.29M | 29.53M |
| Total Common Shares Outstanding | 27.31M | 28.16M | 29.05M | 29.51M | 29.27M | 29.50M |
| Book Value Per Share | 34.76 | 33.50 | 30.55 | 28.44 | 26.53 | 26.23 |
| Tangible Book Value | 765.76M | 766.96M | 710.47M | 661.73M | 598.18M | 594.31M |
| Tangible Book Value Per Share | 28.04 | 27.24 | 24.46 | 22.42 | 20.44 | 20.15 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 90.76M | 75.93M | 71.10M | 78.12M | 91.80M | |
| Depreciation & Amortization | 7.80M | 7.46M | 7.34M | 7.32M | 8.44M | |
| Gain (Loss) on Sale of Investments | 968.00K | 1.04M | 1.14M | 1.43M | 2.53M | |
| Total Asset Writedown | -130.00K | -144.00K | ||||
| Provision for Credit Losses | 11.67M | 5.93M | 10.77M | 12.20M | -10.13M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 4.20M | 1.64M | -2.03M | 21.61M | 32.15M | |
| Accrued Interest Receivable | 2.14M | -12.02M | -8.88M | -5.86M | -3.13M | |
| Other Operating Activities | -11.32M | -8.04M | -7.37M | -10.94M | -9.92M | |
| Operating Cash Flow | 101.51M | 75.11M | 89.74M | 109.45M | 102.34M | |
| Capital Expenditures | -4.58M | -3.10M | -6.72M | -5.22M | -5.88M | |
| Sale of Property, Plant and Equipment | 411.00K | 2.37M | 1.88M | 6.84M | ||
| Cash Acquisitions | -3.82M | |||||
| Investment in Securities | 15.93M | 6.04M | 6.76M | -67.31M | -126.16M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -100.96M | -260.98M | -448.75M | -834.12M | -1.18M | |
| Other Investing Activities | 5.52M | -4.07M | -7.60M | 2.19M | 3.00M | |
| Investing Cash Flow | -83.68M | -259.74M | -454.44M | -897.61M | -126.78M | |
| Short-Term Debt Issued | 13.23M | 4.88M | 177.03M | 2.20M | ||
| Long-Term Debt Issued | 100.00M | 250.00M | 50.00M | |||
| Total Debt Issued | 113.23M | 4.88M | 250.00M | 227.03M | 2.20M | |
| Short-Term Debt Repaid | -190.84M | |||||
| Long-Term Debt Repaid | -175.00M | -85.00M | -35.00M | -100.00M | ||
| Total Debt Repaid | -175.00M | -85.00M | -225.84M | -100.00M | ||
| Net Debt Issued (Repaid) | -61.77M | -80.12M | 24.16M | 227.03M | -97.80M | |
| Issuance of Common Stock | 3.76M | 5.58M | 2.68M | 3.24M | 4.44M | |
| Repurchase of Common Stock | -36.24M | -19.75M | -1.69M | -12.28M | -650.00K | |
| Common Dividends Paid | -25.33M | -24.84M | -25.05M | -24.61M | -23.57M | |
| Net Increase (Decrease) in Deposit Accounts | 328.05M | 383.46M | 462.23M | -141.63M | 812.38M | |
| Other Financing Activities | -1.44M | -635.00K | -635.00K | -949.00K | -58.00K | |
| Financing Cash Flow | 207.04M | 263.68M | 461.69M | 50.81M | 694.73M | |
| Net Cash Flow | 224.87M | 79.05M | 97.00M | -737.35M | 670.29M | |
| Free Cash Flow | 96.93M | 72.00M | 83.02M | 104.23M | 96.46M | |
| Free Cash Flow Margin | 30.84% | 24.57% | 29.02% | 36.70% | 34.24% | |
| Free Cash Flow Per Share | 3.35 | 2.45 | 2.81 | 3.53 | 3.26 | |
| Cash Interest Paid | 200.41M | 191.51M | 139.60M | 32.67M | 21.82M | |
| Cash Income Tax Paid | 21.13M | 20.67M | 21.04M | 11.86M | 26.59M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.12B | 932.29M | 857.06M | 650.06M | 764.11M | 881.11M |
| Last Close Price | 39.60 | 32.17 | 28.16 | 20.29 | 23.08 | 25.62 |
| PE Ratio | 12.25 | 10.27 | 11.29 | 9.14 | 9.78 | 9.60 |
| PS Ratio | 3.40 | 2.97 | 2.92 | 2.27 | 2.69 | 3.13 |
| PB Ratio | 1.14 | 0.99 | 0.97 | 0.78 | 0.98 | 1.14 |
| P/FCF Ratio | 10.55 | 9.62 | 11.90 | 7.83 | 7.33 | 9.13 |
| P/OCF Ratio | 10.26 | 9.18 | 11.41 | 7.24 | 6.98 | 8.61 |
| Debt / Equity Ratio | 0.27 | 0.37 | 0.47 | 0.60 | 0.62 | 0.32 |
| Debt / FCF Ratio | 3.63 | 5.79 | 6.10 | 4.63 | 2.57 | |
| Net Debt / Equity Ratio | -0.39 | -0.21 | 0.10 | 0.30 | 0.42 | -0.83 |
| Net Debt / FCF Ratio | -2.08 | 1.22 | 3.08 | 3.16 | -6.67 | |
| Return on Equity (ROE) | 10.03% | 9.92% | 8.80% | 8.80% | 10.08% | 12.52% |
| Return on Assets (ROA) | 1.10% | 1.10% | 0.95% | 0.95% | 1.09% | 1.36% |
| Earnings Yield | 8.16% | 9.74% | 8.86% | 10.94% | 10.22% | 10.42% |
| FCF Yield | 9.48% | 10.40% | 8.40% | 12.77% | 13.64% | 10.95% |
| Dividend Yield | 2.25% | 2.66% | 2.85% | 3.81% | 3.22% | 2.68% |
| Payout Ratio | 27.47% | 27.91% | 32.72% | 35.23% | 31.50% | 25.68% |
| Buyback Yield / Dilution | 3.42% | 1.44% | 0.45% | 0.06% | 0.01% | -0.82% |
| Total Shareholder Return | 5.72% | 4.10% | 3.29% | 3.87% | 3.23% | 1.86% |