Univest Financial Corporation

Univest Financial Corporation

UVSP
Univest Financial CorporationUS flagNASDAQ Global Select
44.42
USD
+0.36
- -
1.24BMarket Cap
Univest Financial Corporation
UVSP
(NASDAQ Global Select)

Recent

price

44.42

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.5
6.21
6.23
6.67
6.95
7.44
7.37
7.54
7.43
8.01
8.64
9.24
10.08
10.08
10.24
11.42
11.8
Revenue per Share
0.95
1.13
1.25
1.28
1.37
1.39
0.84
1.64
1.72
2.24
1.6
3.12
2.66
2.42
2.6
3.16
3.35
Basic EPS, GAAP
1.92
2.41
2.22
1.98
1.83
2
1.44
2.56
2.78
2.36
1.62
3.28
3.55
2.82
2.46
3.37
3.68
Free Cash Flow per Basic Share
0.8
0.8
1
0.6
0.8
0.76
0.74
0.79
0.8
0.8
0.6
0.8
0.84
0.85
0.85
0.88
0.89
Dividend per Share
14.66
14.87
15.28
15.89
16.83
15.45
14.68
13.94
13.82
15.24
15.89
18.12
19.95
21.49
23.4
26.07
27.01
Book Value per Share
12.62
12.84
13.22
12.94
12.61
12.02
13.68
15.52
14.97
16.8
17.48
19.94
20.06
22.18
24.08
26.47
26.98
Tangible Book Value per Share
17
17
17
17
16
20
23
27
29
29
29
29
29
29
29
29
28
Basic Weighted Avg Shares
108
104
105
111
113
146
170
202
218
235
253
272
296
297
299
328
336
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
3
1
2
3
3
4
5
5
5
5
3
4
5
7
6
6
Depreciation Expense
16
19
21
21
22
27
20
44
51
66
47
92
78
71
76
91
95
Net Income, GAAP
17.24
20.19
21.01
21.19
25.1
26.35
16.6
28.66
16.71
17.91
17.54
19.71
19.64
19.83
20.32
19.93
19.97
Effective Tax Rate (%)
14.59
18.15
19.97
19.14
19.69
18.63
11.46
21.78
23.16
28.01
18.57
33.8
26.38
23.96
25.38
27.67
28.38
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
8
27
21
- -
- -
49
190
219
220
272
331
227
276
494
406
327
302
LT Debt
266
273
284
281
285
362
505
603
624
675
692
774
776
839
887
943
952
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.5
7.67
8.27
8.15
8.28
9.45
6.07
12.36
12.95
15.42
10.3
18.4
13.96
11.67
11.54
12.67
12.99
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
330
299
274
LT Finance Leases
29
29
28
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
29
28
28
Market Capitalization
868
941
976

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
824
562
233
Accounts Receivable, Net
- -
30
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
44
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.55%
6.44%
6.31%
Free Cash Flow
17.55%
22.49%
34.62%
Net Income, GAAP
21.18%
19.62%
19.53%
Sales/Revenue/Turnover
8.55%
5.44%
9.64%
Total Cash Common Dividend
6.52%
8.35%
1.98%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
77
72
73
77
299
2025
79
81
83
85
328
2026
87
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.69
0.62
0.64
0.65
2.6
2025
0.77
0.69
0.89
0.8
3.16
2026
0.97
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
0.22
0.21
0.21
0.85
2025
0.22
0.22
0.22
0.22
0.88
2026
0.23
- -
- -
- -
- -
Business
Univest Financial Corporation (Nasdaq: UVSP) operates as the bank holding company for Univest Bank and Trust Co., providing a full range of banking, wealth management, and insurance services to individuals, businesses, municipalities, and non-profit organizations in the United States. The company conducts its operations through three primary segments: the Banking segment, which offers deposit products, commercial, consumer, and mortgage loan origination and servicing, mortgage banking, equipment lease financing, and other general banking services; the Wealth Management segment, which provides investment advisory, financial planning, trust administration, brokerage services, and fiduciary services for private families, individuals, municipal pension plans, retirement plans, trusts, and guardianships; and the Insurance segment, which delivers full-service insurance brokerage including commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting. Univest Financial Corporation maintains approximately 51 domestic locations across 13 counties in southeastern and central Pennsylvania, three counties in New Jersey, and serves markets primarily in the greater Philadelphia and Lehigh Valley regions. Founded in 1876 and headquartered at 14 North Main Street in Souderton, Pennsylvania, the company, formerly known as Univest Corporation of Pennsylvania, changed its name to Univest Financial Corporation in January 2019 and reports approximately $8.0 billion in assets and $5.2 billion in assets under management and supervision as of March 31, 2025. Recent developments include a 5% dividend increase to $0.22 per share, the completion of a $50.0 million subordinated debt offering in November 2025 to support debt redemption and general corporate purposes, strong Q1 2025 financial results with GAAP EPS of $0.77 and revenue of $79.2 million exceeding estimates, and activity through its subsidiary Univest Securities, LLC in closing registered direct offerings such as $15 million for Zeta Network Group in October 2025 and $9 million for Next Technology Holding Inc. in September 2025.

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