Univest Financial Corporation Financial Ratios — UVSP Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	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
Return on Assets (%)	0.87	0.93	0.94	1	1.07	0.55	1	1.06	1.27	0.8	1.36	1.09	0.95	0.95	1.1
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.07	1.43	1.41	2.88	2.32	2.1	2.7	2.47	2.31	1.98	1.18	1.27	1.57	2.5	1.83
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	22.74	25.28	24.28	26.29	25.3	13.74	30.54	27.81	34.12	22.52	42.09	32.82	29.88	31.85	34.55
Profit Margin (%)	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
Net Income to Common Margin (%)	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
Effective Tax Rate (%)	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
Dvd Payout Ratio (%)	70.79	80.28	47.33	58.46	55.05	87.28	48.3	46.49	35.66	37.38	25.68	31.5	35.23	32.72	27.91
Sustainable Growth Rate (%)	2.24	1.63	4.29	3.44	4.25	0.77	6.39	6.93	9.92	6.45	13.68	9.56	7.56	7.76	9.13

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	27	21	- -	- -	49	270	274	280	291	331	227	401	494	406	327
ST Debt	- -	- -	- -	- -	- -	80	55	60	19	- -	- -	125	- -	- -	- -
LT Debt	27	21	- -	- -	49	190	219	220	272	331	227	276	494	406	327
Total Debt/EBITDA	8.6	14.09	- -	- -	14.57	75.77	50.12	51.92	53.73	66.27	71.22	106.42	106.24	54.35	54.41
Net Debt/EBITDA	-24.98	-83.97	-44.34	-11.86	-3.37	59.56	36.35	31.6	23.69	14.74	-218.13	57.12	44.98	6.08	-42.35
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.28	11.11	12.04	12.22	10.55	8.01	8.22	8.14	8.3	7.33	7.48	8.12	8.13	8.41	8.88
Long-Term Debt/Equity (%)	10.07	7.39	- -	- -	13.66	37.67	36.36	35.18	40.35	47.83	29.38	35.6	58.82	45.73	34.71
Long-Term Debt/Capital (%)	9.95	7.57	- -	- -	13.98	31.23	33.81	32.03	36.93	41.61	29.9	27.98	43.83	37.25	30.42
Long-Term Debt/Total Assets (%)	1.25	0.91	- -	- -	1.71	4.5	4.82	4.41	5.06	5.23	3.19	3.83	6.34	4.99	3.88
Total Debt/Equity (%)	10.07	7.39	- -	- -	13.66	53.51	45.47	44.79	43.12	47.83	29.38	51.7	58.82	45.73	34.71
Total Debt/Capital (%)	9.95	7.57	- -	- -	13.98	44.36	42.28	40.78	39.46	41.61	29.9	40.64	43.83	37.25	30.42
Total Debt/Total Assets (%)	1.25	0.91	- -	- -	1.71	6.39	6.02	5.61	5.41	5.23	3.19	5.56	6.34	4.99	3.88
Net Debt to Equity	-29.26	-44.01	-24.66	-13.55	-3.16	42.06	32.97	27.26	19.01	10.64	-89.98	27.75	24.9	5.12	-27.02
Net Debt/Capital (%)	-47.26	-95.48	-35.51	-16.44	-3.91	38.53	34.69	29.54	20.96	12.79	535.95	25.8	23.85	5.97	-48.76
EBITDA	3	1	2	3	3	4	5	5	5	5	3	4	5	7	6
EBITDA-CapEx	1	1	2	3	3	4	5	1	2	1	-3	-1	-2	4	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.28	11.11	12.04	12.22	10.55	8.01	8.22	8.14	8.3	7.33	7.48	8.12	8.13	8.41	8.88
Long-Term Debt/Equity (%)	10.07	7.39	- -	- -	13.66	37.67	36.36	35.18	40.35	47.83	29.38	35.6	58.82	45.73	34.71
Long-Term Debt/Capital (%)	9.95	7.57	- -	- -	13.98	31.23	33.81	32.03	36.93	41.61	29.9	27.98	43.83	37.25	30.42
Long-Term Debt/Total Assets (%)	1.25	0.91	- -	- -	1.71	4.5	4.82	4.41	5.06	5.23	3.19	3.83	6.34	4.99	3.88
Total Debt/Equity (%)	10.07	7.39	- -	- -	13.66	53.51	45.47	44.79	43.12	47.83	29.38	51.7	58.82	45.73	34.71
Total Debt/Capital (%)	9.95	7.57	- -	- -	13.98	44.36	42.28	40.78	39.46	41.61	29.9	40.64	43.83	37.25	30.42
Total Debt/Total Assets (%)	1.25	0.91	- -	- -	1.71	6.39	6.02	5.61	5.41	5.23	3.19	5.56	6.34	4.99	3.88
CFO/Total Liabilities	2.21	1.84	1.72	1.52	1.56	0.89	1.74	1.97	1.55	0.91	1.61	1.7	1.29	1.04	1.35
CFO/CapEx	18.56	- -	- -	- -	- -	- -	- -	20.06	18.97	13.64	17.41	20.96	13.35	24.2	22.14
Altman's Z-Score	0.23	0.23	0.27	0.27	0.25	0.22	0.23	0.21	0.22	0.17	0.2	0.2	0.18	0.2	0.22

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	3.43	15.31	17.02	18.29	21.6	18.64	17.48	16.4	16.55	16.53	18.42	16.69	11.79	10.59	11.25
Days Sales Outstanding	106.48	23.84	21.44	19.96	16.9	19.58	20.88	22.26	22.05	22.08	19.82	21.86	30.95	34.47	32.43
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	245	287	343	329	410	714	753	634	785	602	880	768	648	862	941
- Cash & Cash Equivalents	107	146	69	39	61	58	75	109	125	220	890	153	250	329	554
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	27	21	- -	- -	49	270	274	280	291	331	227	401	494	406	327
Enterprise Value	-260	-268	-62	-24	69	483	561	475	704	495	-100	666	541	582	706
Total Capital	276	277	264	273	353	609	649	686	738	796	760	988	1,126	1,089	1,076
Total Debt/Capital (%)	9.95	7.57	- -	- -	13.98	44.36	42.28	40.78	39.46	41.61	29.9	40.64	43.83	37.25	30.42
Total Debt / EV	-0.11	-0.08	- -	- -	0.72	0.56	0.49	0.59	0.41	0.67	-2.27	0.6	0.91	0.7	0.46
EV/Sales	- -	- -	- -	- -	0.47	2.84	2.77	2.18	3	1.96	- -	2.25	1.82	1.94	2.15
EV/EBITDA	- -	- -	- -	- -	20.35	135.26	102.48	88.24	129.88	98.95	- -	176.67	116.37	77.91	117.3
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	1.75	14.49	8.17	5.52	9.62	9.66	- -	6.09	6.02	7.74	6.95
EV/Free Cash Flow to Firm	- -	- -	- -	- -	1.75	14.49	8.17	5.26	9.14	9	- -	5.81	5.6	7.44	6.65
Diluted Market Cap	245	288	345	331	410	718	823	634	785	602	883	773	650	868	949
Diluted Enterprise Value	165	163	276	292	399	930	1,022	804	951	713	220	1,022	894	945	723
EV per Share	- -	- -	- -	- -	3.51	20.89	20.88	16.18	24.02	16.91	- -	22.67	18.37	19.91	24.56
TTM Sales	104	105	111	113	146	170	202	218	235	253	272	296	297	299	328
TTM EBITDA	3	1	2	3	3	4	5	5	5	5	3	4	5	7	6
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	43	37	33	30	39	33	69	86	73	51	102	109	90	75	102
TTM Free Cash Flow to Firm	45	37	33	30	39	33	69	90	77	55	108	115	96	78	106

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	5.45	7.75	10.52	11.13	10.43	21.54	11.98	7.02	10.19	10.96	8.16	6.74	6.74	11.1	8.95
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-260	-268	-62	-24	69	483	561	475	704	495	-100	666	541	582	706
Low Price	12.09	14.69	16.1	17.67	18.31	18.43	25.65	20.18	21.27	13.2	20.16	23.48	16.1	18.41	22.83
EV/Sales	- -	- -	- -	- -	0.47	2.84	2.77	2.18	3	1.96	- -	2.25	1.82	1.94	2.15
EV/EBITDA	- -	- -	- -	- -	20.35	135.26	102.48	88.24	129.88	98.95	- -	176.67	116.37	77.91	117.3
Price/Earnings	12.98	13.73	16.21	14.78	15.04	36.59	17.09	12.53	11.94	12.83	9.58	9.83	9.12	11.35	10.37
Price/Earnings Average	13.91	13.14	14.61	14.37	14.21	26.14	17.69	15.81	11.29	11.26	8.76	10.07	8.6	9.43	9.56
Price/Earnings High	17.72	15	16.83	15.73	15.28	37.3	19.71	17.52	12.39	16.82	9.91	12.01	12.03	12.6	11.29
Price/Earnings Low	10.72	11.8	12.62	12.9	13.2	21.82	15.63	11.73	9.48	8.23	6.46	8.83	6.66	7.08	7.23
Price/Book Value	0.98	1.12	1.3	1.2	1.35	2.1	2.01	1.56	1.76	1.3	1.65	1.31	1.03	1.26	1.26
Price/Book Value Average	1.05	1.07	1.17	1.17	1.28	1.5	2.08	1.97	1.66	1.14	1.51	1.34	0.97	1.05	1.16
Price/Book Value High	1.34	1.22	1.35	1.28	1.37	2.15	2.32	2.18	1.82	1.7	1.71	1.6	1.35	1.4	1.37
Price/Book Value Low	0.81	0.96	1.01	1.05	1.19	1.26	1.84	1.46	1.4	0.83	1.11	1.18	0.75	0.79	0.88
Price/Tangible Book Value	1.14	1.29	1.6	1.61	1.74	2.26	1.81	1.44	1.59	1.18	1.5	1.3	0.99	1.23	1.24
Price/Tangible Book Value Average	1.22	1.24	1.44	1.56	1.64	1.61	1.87	1.82	1.51	1.03	1.37	1.33	0.94	1.02	1.14
Price/Tangible Book Value High	1.56	1.41	1.66	1.71	1.76	2.3	2.08	2.01	1.65	1.54	1.55	1.59	1.31	1.36	1.35
Price/Tangible Book Value Low	0.94	1.11	1.24	1.4	1.52	1.35	1.65	1.35	1.27	0.76	1.01	1.17	0.73	0.76	0.86
Price/Sales	2.36	2.74	3.1	2.91	2.8	4.19	3.72	2.9	3.34	2.38	3.24	2.59	2.18	2.88	2.87
Price/Sales Average	2.52	2.63	2.8	2.83	2.65	3	3.85	3.66	3.16	2.09	2.96	2.66	2.06	2.39	2.65
Price/Sales High	3.21	3	3.22	3.1	2.85	4.28	4.29	4.06	3.47	3.12	3.35	3.17	2.88	3.2	3.12
Price/Sales Low	1.95	2.36	2.41	2.54	2.46	2.5	3.4	2.72	2.66	1.53	2.18	2.33	1.6	1.8	2
Price/Cash Flow	5.74	7.72	10.47	11.06	10.43	21.43	10.97	7.37	10.73	11.76	8.6	7.02	7.23	11.48	9.27
Price/Cash Flow Average	6.15	7.39	9.44	10.74	9.85	15.31	11.36	9.29	10.14	10.32	7.86	7.19	6.82	9.54	8.55
Price/Cash Flow High	7.83	8.43	10.87	11.77	10.59	21.85	12.66	10.3	11.14	15.42	8.89	8.57	9.53	12.74	10.09
Price/Cash Flow Low	4.74	6.63	8.15	9.65	9.15	12.78	10.04	6.89	8.52	7.54	5.79	6.31	5.28	7.16	6.46
Price/Free Cash Flow Average	5.83	7.42	9.48	10.82	9.85	15.39	12.41	8.85	9.64	9.62	7.46	6.91	6.36	9.23	8.25
Price/Free Cash Flow High	7.43	8.47	10.92	11.85	10.59	21.96	13.82	9.81	10.58	14.36	8.44	8.24	8.88	12.32	9.74
Price/Free Cash Flow Low	4.5	6.66	8.19	9.72	9.15	12.85	10.96	6.56	8.09	7.03	5.5	6.06	4.92	6.93	6.24
EV/Sales Average	1.76	1.43	2.17	2.49	2.57	4.24	4.84	4.44	3.87	2.53	0.52	3.5	2.88	2.65	1.96
EV/Sales High	2.45	1.8	2.6	2.76	2.77	5.52	5.28	4.84	4.18	3.56	0.91	4.01	3.7	3.45	2.43
EV/Sales Low	1.18	1.16	1.79	2.2	2.38	3.75	4.39	3.5	3.36	1.97	- -	3.17	2.42	2.05	1.31
EV/EBITDA Average	57.12	100.14	154.1	86.32	110.95	202.45	178.87	180	167.6	128	44.38	274.47	184.13	106.24	106.62
EV/EBITDA High	79.62	126.16	184.3	95.65	119.57	263.48	195.09	196.04	180.97	180.14	77.44	314.72	236.52	138.46	132.64
EV/EBITDA Low	38.32	81.28	127.04	76.33	102.86	178.87	162.21	141.66	145.66	99.51	-21.95	248.87	154.47	82.34	71.42
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	14.64	17.1	20.68	20.24	20.86	30.9	28.05	21.57	26.78	20.58	29.92	26.13	22.03	29.51	32.74
High Price	19.98	18.68	21.48	21.54	21.19	31.5	32.35	30.15	27.8	26.98	30.95	31.93	29.05	32.75	35.65
Enterprise Value Average	183	149	240	281	376	722	979	969	908	640	142	1,035	855	793	642
Enterprise Value High	255	188	288	311	405	940	1,068	1,056	981	900	247	1,187	1,099	1,034	798
Enterprise Value Low	123	121	198	248	349	638	888	763	789	497	-70	939	718	615	430

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	17	17	16	16	20	27	29	29	29	29	30	29	30	29	28
Diluted Weighted Avg Shares	17	17	17	16	20	23	29	29	29	29	30	30	30	29	29
Basic Weighted Avg Shares	17	17	17	16	20	23	27	29	29	29	29	29	29	29	29
Revenue per Share	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
EBITDA per Share	0.19	0.09	0.09	0.2	0.17	0.15	0.2	0.18	0.18	0.17	0.11	0.13	0.16	0.26	0.21
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	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
Basic EPS from Cont Ops	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
Diluted EPS, GAAP	1.13	1.24	1.27	1.36	1.39	0.84	1.5	1.72	2.24	1.6	3.11	2.64	2.41	2.58	3.13
Diluted EPS from Cont Ops	1.13	1.24	1.27	1.36	1.39	0.84	1.5	1.72	2.24	1.6	3.11	2.64	2.41	2.58	3.13
Dividend per Share	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
Cash Flow per Share	2.55	2.22	1.98	1.83	2	1.44	2.56	2.93	2.5	1.75	3.48	3.72	3.05	2.57	3.53
Free Cash Flow per Basic Share	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
Cash & Equivalents per Share	31.82	34.36	24.42	21.73	19.86	21.71	17.38	14.91	12.7	14.99	41.06	17.12	20.43	23.49	19.57
Book Value per Share	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
Tangible Book Value per Share	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

Univest Financial Corporation

Profitability (USD)

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Per Share Data Items (USD)