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Univest Financial (UVSP) Financials

Univest Financial logo
$29.38 -0.24 (-0.81%)
Closing price 05/23/2025 04:00 PM Eastern
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$29.38 0.00 (-0.02%)
As of 05/23/2025 04:34 PM Eastern
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Annual Income Statements for Univest Financial

Annual Income Statements for Univest Financial

This table shows Univest Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 76 71 78 92 47 66 51 44 20 27 22
Consolidated Net Income / (Loss)		 76 71 78 92 47 66 51 44 20 27 22
Net Income / (Loss) Continuing Operations		 76 71 78 92 47 66 51 44 20 27 22
Total Pre-Tax Income 		95 89 97 114 57 80 61 62 23 37 30
Total Revenue		 299 297 296 272 253 235 218 202 138 146 121
Net Interest Income / (Expense)		 211 220 218 188 174 169 158 143 114 94 72
Total Interest Income		 412 372 252 210 204 214 190 163 127 102 76
Loans and Leases Interest Income		 383 348 237 201 193 197 176 152 118 93 68
Investment Securities Interest Income		 15 14 11 6.31 8.52 12 11 9.62 8.09 8.12 7.60
Deposits and Money Market Investments Interest Income		 11 6.66 1.92 0.66 0.57 2.88 1.10 0.28 0.06 0.10 0.08
Other Interest Income		 2.91 2.87 1.63 1.42 1.75 2.15 1.97 1.50 0.79 0.53 0.31
Total Interest Expense		 201 152 34 21 30 45 32 20 12 8.07 4.00
Deposits Interest Expense		 181 126 25 13 20 36 22 11 7.22 6.01 3.96
Short-Term Borrowings Interest Expense		 0.25 7.10 1.39 0.01 0.33 1.01 2.42 0.90 0.75 0.04 0.03
Long-Term Debt Interest Expense		 20 19 7.09 8.47 9.64 8.28 7.82 7.66 4.42 2.02 0.00
Total Non-Interest Income		 88 77 78 83 78 65 60 59 56 52 48
Other Service Charges		 79 70 70 21 58 58 16 16 15 26 24
Net Realized & Unrealized Capital Gains on Investments		 5.28 3.69 4.44 15 17 4.00 3.14 0.05 0.52 6.10 2.82
Other Non-Interest Income		 3.86 3.19 3.79 47 2.94 3.18 41 44 8.96 1.30 1.63
Provision for Credit Losses		 5.93 11 12 -10 41 8.51 20 9.89 4.82 3.80 3.61
Total Non-Interest Expense		 198 197 187 167 155 146 137 131 142 106 87
Salaries and Employee Benefits		 124 120 116 104 93 88 80 76 69 58 50
Net Occupancy & Equipment Expense		 32 32 29 27 26 25 23 23 20 16 13
Marketing Expense		 2.17 2.18 2.46 2.06 1.98 2.59 2.64 2.21 2.02 2.25 1.88
Property & Liability Insurance Claims		 4.43 4.83 3.08 2.71 2.59 0.78 1.84 1.64 1.71 1.73 1.56
Other Operating Expenses		 35 37 36 31 30 30 28 28 -0.45 23 19
Restructuring Charge		 0.00 1.52 0.18 0.00 1.44 0.00 0.57 0.00 18 4.18 1.28
Income Tax Expense		 19 18 19 23 9.98 14 10 18 3.88 9.76 7.45
Basic Earnings per Share		 $2.60 $2.42 $2.66 $3.12 $1.60 $2.24 $1.72 $1.64 $0.85 $1.39 $1.37
Weighted Average Basic Shares Outstanding		 29.00M 29.53M 29.29M 29.53M 29.32M 29.35M 29.29M 29.36M 26.60M 19.61M 20.06M
Diluted Earnings per Share		 $2.58 $2.41 $2.64 $3.11 $1.60 $2.24 $1.72 $1.64 $0.84 $1.39 $1.37
Weighted Average Diluted Shares Outstanding		 29.00M 29.53M 29.29M 29.53M 29.32M 29.35M 29.29M 29.36M 26.60M 19.61M 20.06M
Weighted Average Basic & Diluted Shares Outstanding		 29.00M 29.53M 29.29M 29.53M 29.32M 29.35M 29.29M 29.36M 26.60M 19.61M 20.06M
Cash Dividends to Common per Share		 $0.84 $0.84 $0.83 $0.80 $0.60 $0.80 $0.80 $0.80 $0.80 $0.80 $0.80

Quarterly Income Statements for Univest Financial

This table shows Univest Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 22 19 19 18 20 16 17 17 21 24 21
Consolidated Net Income / (Loss)		 22 19 19 18 20 16 17 17 21 24 21
Net Income / (Loss) Continuing Operations		 22 19 19 18 20 16 17 17 21 24 21
Total Pre-Tax Income 		28 24 23 23 26 20 21 21 26 30 26
Total Revenue		 79 77 73 72 77 71 72 74 79 82 76
Net Interest Income / (Expense)		 57 55 53 51 51 53 54 54 59 62 58
Total Interest Income		 103 107 106 100 99 101 97 90 83 77 67
Loans and Leases Interest Income		 97 98 98 94 93 93 91 85 79 73 63
Investment Securities Interest Income		 4.02 3.82 3.71 3.75 3.66 3.69 3.56 3.53 3.51 3.33 3.03
Deposits and Money Market Investments Interest Income		 1.36 4.85 3.62 1.11 1.61 3.80 1.87 0.51 0.48 0.49 0.25
Other Interest Income		 0.69 0.75 0.74 0.70 0.72 0.77 0.71 0.78 0.61 0.49 0.44
Total Interest Expense		 47 52 53 49 47 48 44 36 24 15 8.63
Deposits Interest Expense		 42 47 48 44 42 43 37 27 18 12 6.45
Short-Term Borrowings Interest Expense		 0.01 0.00 0.00 0.24 0.01 0.00 1.12 3.25 2.73 0.85 0.52
Long-Term Debt Interest Expense		 4.64 4.78 5.06 5.06 5.16 5.31 5.32 5.09 2.87 2.14 1.65
Total Non-Interest Income		 22 21 20 21 26 19 19 20 20 20 18
Other Service Charges		 20 30 6.63 18 24 17 17 18 18 19 16
Net Realized & Unrealized Capital Gains on Investments		 0.65 1.32 1.31 1.71 0.94 0.81 1.22 1.04 0.63 0.44 0.82
Other Non-Interest Income		 1.96 -10 12 1.09 0.84 0.82 0.81 0.79 0.77 1.23 1.15
Provision for Credit Losses		 2.31 2.38 1.41 0.71 1.43 1.93 2.02 3.43 3.39 5.42 3.56
Total Non-Interest Expense		 49 51 49 49 50 49 49 50 50 47 47
Salaries and Employee Benefits		 31 32 31 30 31 29 30 30 31 29 29
Net Occupancy & Equipment Expense		 8.34 8.04 7.98 7.93 8.48 8.26 7.87 7.74 7.75 7.57 7.37
Marketing Expense		 0.35 0.55 0.49 0.72 0.42 0.63 0.56 0.62 0.37 0.74 0.61
Property & Liability Insurance Claims		 1.15 1.10 1.10 1.10 1.14 1.35 1.26 1.12 1.10 0.71 0.66
Other Operating Expenses		 8.66 9.44 8.28 8.78 8.71 9.29 9.33 9.12 9.29 9.10 8.63
Income Tax Expense		 5.16 4.82 4.81 4.49 5.25 4.15 4.25 4.14 5.05 5.80 5.19
Basic Earnings per Share		 $0.77 $0.65 $0.64 $0.62 $0.69 $0.55 $0.58 $0.57 $0.72 $0.81 $0.71
Weighted Average Basic Shares Outstanding		 28.88M 29.00M 29.04M 29.17M 29.27M 29.53M 29.51M 29.47M 29.43M 29.29M 29.24M
Diluted Earnings per Share		 $0.77 $0.64 $0.63 $0.62 $0.69 $0.55 $0.58 $0.57 $0.71 $0.80 $0.71
Weighted Average Diluted Shares Outstanding		 28.88M 29.00M 29.04M 29.17M 29.27M 29.53M 29.51M 29.47M 29.43M 29.29M 29.24M
Weighted Average Basic & Diluted Shares Outstanding		 28.88M 29.00M 29.04M 29.17M 29.27M 29.53M 29.51M 29.47M 29.43M 29.29M 29.24M
Cash Dividends to Common per Share		 $0.21 - $0.21 $0.21 $0.21 - $0.21 $0.21 $0.21 - $0.21

Annual Cash Flow Statements for Univest Financial

This table details how cash moves in and out of Univest Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 79 97 -737 670 95 16 34 18 -2.97 0.36 -0.65
Net Cash From Operating Activities		 75 90 109 102 51 73 86 69 33 39 30
Net Cash From Continuing Operating Activities		 75 90 109 102 51 73 86 69 33 39 30
Net Income / (Loss) Continuing Operations		 76 71 78 92 47 66 51 44 20 27 22
Consolidated Net Income / (Loss)		 76 71 78 92 47 66 51 44 20 27 22
Provision For Loan Losses		 5.93 11 12 -10 41 8.51 20 9.89 4.82 3.80 3.61
Depreciation Expense		 5.47 5.06 4.47 4.66 4.78 5.28 5.58 5.56 4.09 3.76 3.24
Amortization Expense		 3.09 0.75 0.64 1.06 2.85 1.12 0.37 1.75 1.33 0.92 1.70
Non-Cash Adjustments to Reconcile Net Income		 -7.11 -6.22 14 16 -50 -6.55 -1.88 8.52 -0.56 -0.90 2.77
Changes in Operating Assets and Liabilities, net		 -8.22 8.27 0.13 -0.94 5.77 -0.92 11 -1.15 4.12 4.50 -3.82
Net Cash From Investing Activities		 -260 -454 -898 -127 -867 -343 -431 -332 -314 -190 -36
Net Cash From Continuing Investing Activities		 -260 -454 -898 -127 -867 -343 -431 -332 -314 -190 -36
Purchase of Investment Securities		 -339 -529 -978 -265 -1,098 -478 -513 -465 -527 -381 -181
Sale of Property, Leasehold Improvements and Equipment		 2.37 1.88 6.85 0.00 0.00 1.41 1.17 - - 4.00 0.00
Sale and/or Maturity of Investments		 77 72 74 138 231 134 80 132 213 170 145
Net Cash From Financing Activities		 264 462 51 695 911 286 379 281 278 151 5.92
Net Cash From Continuing Financing Activities		 264 462 51 695 911 286 379 281 278 151 5.92
Net Change in Deposits		 383 462 -142 812 883 474 331 298 125 148 17
Issuance of Debt		 4.88 59 227 2.20 224 -146 94 95 188 49 4.22
Issuance of Common Equity		 2.38 2.57 2.54 2.38 2.37 2.23 2.30 73 0.00 0.00 -
Repayment of Debt		 -85 -35 -0.95 -100 -177 -20 -20 -156 -15 -18 0.00
Repurchase of Common Equity		 -19 -0.46 -11 -0.30 -4.38 -2.05 -5.98 -3.52 -8.36 -13 -4.61
Payment of Dividends		 -25 -25 -25 -24 -18 -23 -23 -21 -15 -13 -11
Other Financing Activities, Net		 1.69 -1.75 -0.21 1.65 0.19 1.07 1.00 -3.74 2.42 -2.10 0.00
Cash Interest Paid		 192 140 33 22 29 44 31 21 14 8.10 4.12
Cash Income Taxes Paid		 21 17 12 27 17 17 2.02 13 8.05 2.14 5.90

Quarterly Cash Flow Statements for Univest Financial

This table details how cash moves in and out of Univest Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -160 -176 314 -11 -48 -41 150 2.09 -14 39 19
Net Cash From Operating Activities		 16 28 39 -3.41 12 28 22 19 21 26 24
Net Cash From Continuing Operating Activities		 16 28 39 -3.41 12 28 22 19 21 26 24
Net Income / (Loss) Continuing Operations		 22 19 19 18 20 16 17 17 21 24 21
Consolidated Net Income / (Loss)		 22 19 19 18 20 16 17 17 21 24 21
Provision For Loan Losses		 2.31 2.38 1.41 0.71 1.43 1.93 2.02 3.43 3.39 5.42 3.56
Depreciation Expense		 1.35 1.38 1.38 1.38 1.34 1.31 1.30 1.27 1.18 1.14 1.13
Amortization Expense		 0.35 -0.99 0.66 -0.14 3.56 0.23 -0.05 0.20 0.38 -0.53 0.33
Non-Cash Adjustments to Reconcile Net Income		 2.36 -1.80 12 -15 -1.81 -1.29 -0.07 -5.01 0.15 2.68 -1.33
Changes in Operating Assets and Liabilities, net		 -13 8.14 5.33 -8.43 -13 9.44 1.58 2.64 -5.39 -6.57 -0.75
Net Cash From Investing Activities		 -3.10 -104 -46 -95 -14 19 -88 -237 -149 -273 -203
Net Cash From Continuing Investing Activities		 -3.10 -104 -46 -95 -14 19 -88 -237 -149 -273 -203
Purchase of Investment Securities		 -11 -288 -16 -18 -17 -480 -1.18 -7.79 -40 -848 -31
Sale of Property, Leasehold Improvements and Equipment		 0.08 -0.08 0.01 0.01 2.44 0.85 0.34 0.69 0.01 0.00 -
Sale and/or Maturity of Investments		 19 18 16 30 13 17 32 13 11 12 18
Other Investing Activities, net		 -10 - -46 -107 -13 - -119 -242 -119 - -191
Net Cash From Financing Activities		 -172 -99 321 87 -45 -88 216 220 114 287 198
Net Cash From Continuing Financing Activities		 -172 -99 321 87 -45 -88 216 220 114 287 198
Net Change in Deposits		 -101 -95 359 90 30 -63 452 153 -79 127 224
Issuance of Debt		 -7.15 2.93 -3.53 6.97 -1.49 -8.37 -230 73 225 166 -17
Repayment of Debt		 -50 - -25 - -60 -10 - - -25 -0.95 -
Repurchase of Common Equity		 -6.54 -4.18 -4.19 -4.04 -6.48 -0.46 - - 0.00 - -3.81
Payment of Dividends		 -5.83 -7.95 -5.54 -5.80 -5.56 -8.18 -5.52 -5.84 -5.52 -8.08 -5.50
Other Financing Activities, Net		 -1.93 2.30 0.50 0.20 -1.32 0.00 -0.00 0.02 -1.77 0.12 -0.00
Cash Interest Paid		 50 51 49 47 45 46 40 32 22 13 10
Cash Income Taxes Paid		 0.07 4.96 4.65 11 0.12 3.55 5.39 7.78 0.07 5.23 4.30

Annual Balance Sheets for Univest Financial

This table presents Univest Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 8,128 7,781 7,222 7,122 6,336 5,381 4,984 4,555 4,231 2,879 2,235
Cash and Due from Banks		 76 73 84 49 63 51 62 47 49 32 32
Interest Bearing Deposits at Other Banks		 253 177 69 841 157 75 48 29 9.07 28 6.57
Trading Account Securities		 511 512 513 519 410 447 475 456 474 375 372
Loans and Leases, Net of Allowance		 -87 -85 6,044 5,238 5,224 4,352 3,977 3,599 3,268 2,161 1,606
Allowance for Loan and Lease Losses		 87 85 79 72 83 35 29 22 17 18 21
Premises and Equipment, Net		 47 51 51 57 56 57 60 62 64 42 37
Goodwill		 176 176 176 176 173 173 173 173 173 113 68
Intangible Assets		 8.31 11 11 12 8.87 10 12 14 17 13 12
Other Assets		 7,146 6,866 275 231 246 218 179 177 177 114 102
Total Liabilities & Shareholders' Equity		 8,128 7,781 7,222 7,122 6,336 5,381 4,984 4,555 4,231 2,879 2,235
Total Liabilities		 7,241 6,941 6,446 6,349 5,644 4,706 4,360 3,951 3,725 2,518 1,951
Non-Interest Bearing Deposits		 1,415 1,468 2,047 2,065 1,691 1,280 1,056 1,040 918 541 449
Interest Bearing Deposits		 5,345 4,907 3,866 3,990 3,552 3,080 2,830 2,515 2,339 1,853 1,412
Short-Term Debt		 11 6.31 197 20 18 19 190 105 196 24 -
Long-Term Debt		 374 459 243 194 294 245 240 250 222 49 42
Other Long-Term Liabilities		 96 101 92 80 90 82 45 41 50 50 47
Total Equity & Noncontrolling Interests		 887 839 777 774 692 675 624 603 505 362 285
Total Preferred & Common Equity		 887 839 777 774 692 675 624 603 505 362 285
Total Common Equity		 887 839 779 774 692 675 624 603 505 362 285
Common Stock		 461 459 459 457 454 453 450 448 375 232 154
Retained Earnings		 526 475 429 375 307 289 248 217 195 193 182
Treasury Stock		 -55 -44 -46 -42 -46 -45 -46 -44 -45 -47 -37
Accumulated Other Comprehensive Income / (Loss)		 -44 -51 -62 -16 -22 -22 -28 -18 -19 -17 -14

Quarterly Balance Sheets for Univest Financial

This table presents Univest Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 7,975 8,206 7,855 7,747 7,828 7,600 7,359 6,907
Cash and Due from Banks		 73 78 67 49 69 81 71 66
Interest Bearing Deposits at Other Banks		 96 426 124 152 221 60 67 47
Trading Account Securities		 510 511 514 511 505 543 528 519
Loans and Leases, Net of Allowance		 -88 6,645 6,599 6,493 6,491 6,380 6,160 5,774
Allowance for Loan and Lease Losses		 88 86 86 86 84 83 80 75
Premises and Equipment, Net		 47 47 48 49 51 52 52 51
Goodwill		 176 176 176 176 176 176 176 176
Intangible Assets		 8.06 7.16 7.70 7.47 11 11 11 12
Other Assets		 7,153 315 320 309 304 299 294 263
Total Liabilities & Shareholders' Equity		 7,975 8,206 7,855 7,747 7,828 7,600 7,359 6,907
Total Liabilities		 7,072 7,329 7,001 6,903 7,021 6,795 6,560 6,153
Non-Interest Bearing Deposits		 1,434 1,324 1,397 1,402 1,433 1,583 1,799 1,968
Interest Bearing Deposits		 5,225 5,530 5,098 5,004 5,007 4,405 4,035 3,819
Short-Term Debt		 4.03 8.26 12 4.82 15 245 272 81
Other Short-Term Payables		 55 60 62 60 64 61 - 58
Long-Term Debt		 324 374 399 399 469 469 368 194
Other Long-Term Liabilities		 30 32 33 34 34 33 86 34
Total Equity & Noncontrolling Interests		 903 877 854 844 807 805 798 754
Total Preferred & Common Equity		 903 877 854 844 807 805 798 754
Total Common Equity		 903 877 854 844 807 805 798 754
Common Stock		 458 459 458 457 458 457 456 458
Retained Earnings		 542 513 500 489 465 454 443 411
Treasury Stock		 -59 -53 -50 -47 -44 -45 -45 -49
Accumulated Other Comprehensive Income / (Loss)		 -38 -42 -54 -55 -72 -61 -56 -65

Annual Metrics And Ratios for Univest Financial

This table displays calculated financial ratios and metrics derived from Univest Financial's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.81% 0.22% 9.05% 7.49% 7.69% 7.52% 7.82% 46.15% -5.36% 21.41% 1.09%
EBITDA Growth		 9.91% -7.64% -14.78% 86.04% -25.35% 29.73% -3.60% 2,495.94% -106.92% 20.44% 11.06%
EBIT Growth		 7.45% -8.77% -14.97% 100.94% -28.93% 31.91% -1.82% 844.17% -122.43% 24.75% 10.39%
NOPAT Growth		 6.79% -8.98% -14.90% 95.67% -28.61% 30.03% 14.63% 126.07% -28.47% 22.66% 4.92%
Net Income Growth		 6.79% -8.98% -14.90% 95.67% -28.61% 30.03% 14.63% 126.07% -28.47% 22.66% 4.92%
EPS Growth		 7.05% -8.71% -15.11% 94.38% -28.57% 30.23% 4.88% 95.24% -39.57% 1.46% 7.03%
Operating Cash Flow Growth		 -16.31% -18.01% 6.96% 99.96% -30.03% -14.95% 25.26% 106.15% -15.34% 32.37% -9.40%
Free Cash Flow Firm Growth		 760.50% 89.23% -239.92% 691.05% -110.10% 508.16% -645.61% 101.73% -475.57% -704.28% -87.17%
Invested Capital Growth		 -2.42% 7.18% 23.20% -1.61% 6.94% -10.92% 9.89% 3.90% 112.10% 33.27% 2.76%
Revenue Q/Q Growth		 1.85% -3.57% 5.58% 0.00% 0.00% 1.21% -5.56% 34.72% -12.72% 4.74% 0.69%
EBITDA Q/Q Growth		 2.18% -8.08% 8.63% 187.18% 132.91% -3.29% -15.35% 523.29% -109.38% 9.93% 8.71%
EBIT Q/Q Growth		 3.66% -9.43% 8.53% 178.54% 128.10% -4.07% -15.24% 1,305.11% -132.43% 8.46% 2.95%
NOPAT Q/Q Growth		 3.67% -9.64% 8.96% -8.44% 28.35% -4.17% 19.11% 8.21% -1.22% 7.78% 1.22%
Net Income Q/Q Growth		 3.67% -9.64% 8.96% 0.00% 0.00% -4.17% 19.11% 8.21% -1.22% 7.78% 1.22%
EPS Q/Q Growth		 3.61% -9.40% 9.09% -8.80% 28.00% -3.86% 17.01% 11.56% -16.00% 2.21% 1.48%
Operating Cash Flow Q/Q Growth		 0.23% 2.16% -8.99% 44.89% -21.66% -6.95% 0.93% 26.79% -0.59% 7.65% 12.66%
Free Cash Flow Firm Q/Q Growth		 3.04% 91.10% -2,383.83% -51.29% 83.48% 153.31% -19.12% -90.67% -2.21% -6.33% -13.86%
Invested Capital Q/Q Growth		 1.05% 1.07% 18.26% 2.47% -7.49% 0.06% 11.99% 11.34% 1.70% 1.29% -0.39%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.71% 31.84% 34.54% 44.20% 25.54% 36.84% 30.53% 34.15% -2.08% 28.49% 28.72%
EBIT Margin		 31.85% 29.88% 32.82% 42.09% 22.52% 34.12% 27.81% 30.54% -6.00% 25.30% 24.62%
Profit (Net Income) Margin		 25.38% 23.96% 26.38% 33.80% 18.57% 28.01% 23.16% 21.78% 14.08% 18.63% 18.44%
Tax Burden Percent		 79.68% 80.17% 80.36% 80.29% 82.46% 82.09% 83.29% 71.34% 83.40% 73.65% 74.90%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% -281.56% 100.00% 100.00%
Effective Tax Rate		 20.32% 19.83% 19.64% 19.71% 17.54% 17.91% 16.71% 28.66% 16.60% 26.35% 25.10%
Return on Invested Capital (ROIC)		 5.89% 5.64% 7.09% 9.22% 4.83% 6.60% 5.02% 4.69% 2.87% 7.16% 6.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.89% 5.64% 7.09% 9.22% 4.83% 6.60% 5.02% 4.69% 2.87% 7.16% 6.90%
Return on Net Nonoperating Assets (RNNOA)		 2.90% 3.16% 2.99% 3.30% 2.03% 3.52% 3.21% 3.27% 1.63% 1.28% 0.97%
Return on Equity (ROE)		 8.80% 8.80% 10.08% 12.52% 6.86% 10.12% 8.24% 7.96% 4.50% 8.44% 7.87%
Cash Return on Invested Capital (CROIC)		 8.34% -1.29% -13.70% 10.84% -1.88% 18.15% -4.40% 0.86% -68.96% -21.36% 4.18%
Operating Return on Assets (OROA)		 1.20% 1.18% 1.36% 1.70% 0.97% 1.54% 1.27% 1.41% -0.23% 1.45% 1.34%
Return on Assets (ROA)		 0.95% 0.95% 1.09% 1.36% 0.80% 1.27% 1.06% 1.00% 0.55% 1.07% 1.00%
Return on Common Equity (ROCE)		 8.80% 8.81% 10.09% 12.52% 6.86% 10.12% 8.24% 7.96% 4.50% 8.44% 7.87%
Return on Equity Simple (ROE_SIMPLE)		 8.56% 8.47% 10.06% 11.86% 6.78% 9.73% 8.10% 7.31% 3.86% 7.54% 7.81%
Net Operating Profit after Tax (NOPAT)		 76 71 78 92 47 66 51 44 20 27 22
NOPAT Margin		 25.38% 23.96% 26.38% 33.80% 18.57% 28.01% 23.16% 21.78% 14.08% 18.63% 18.44%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.92% 51.88% 49.83% 49.08% 47.77% 49.32% 48.82% 49.97% 65.97% 52.35% 53.89%
Operating Expenses to Revenue		 66.17% 66.49% 63.06% 61.64% 61.34% 62.26% 62.89% 64.58% 102.52% 72.10% 72.39%
Earnings before Interest and Taxes (EBIT)		 95 89 97 114 57 80 61 62 -8.31 37 30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 104 94 102 120 65 86 67 69 -2.89 42 35
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.96 0.74 0.90 1.03 0.76 0.99 0.83 0.99 1.26 0.84 0.83
Price to Tangible Book Value (P/TBV)		 1.21 0.95 1.19 1.36 1.04 1.36 1.18 1.43 2.02 1.29 1.15
Price to Revenue (P/Rev)		 2.84 2.10 2.37 2.93 2.09 2.84 2.38 2.95 4.60 2.09 1.96
Price to Earnings (P/E)		 11.21 8.76 8.99 8.68 11.28 10.15 10.30 13.56 32.69 11.19 10.61
Dividend Yield		 2.87% 3.98% 3.46% 2.96% 4.42% 3.52% 4.51% 3.57% 3.33% 5.12% 5.50%
Earnings Yield		 8.92% 11.41% 11.12% 11.52% 8.87% 9.85% 9.71% 7.37% 3.06% 8.94% 9.42%
Enterprise Value to Invested Capital (EV/IC)		 0.71 0.64 0.81 0.12 0.62 0.86 0.80 0.92 1.08 0.73 0.73
Enterprise Value to Revenue (EV/Rev)		 3.03 2.82 3.34 0.44 2.46 3.43 3.85 4.34 7.20 2.17 1.99
Enterprise Value to EBITDA (EV/EBITDA)		 8.74 8.87 9.68 1.00 9.62 9.32 12.62 12.70 0.00 7.62 6.91
Enterprise Value to EBIT (EV/EBIT)		 9.53 9.45 10.18 1.05 10.91 10.06 13.85 14.21 0.00 8.59 8.06
Enterprise Value to NOPAT (EV/NOPAT)		 11.96 11.79 12.67 1.31 13.23 12.26 16.63 19.92 51.14 11.66 10.76
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.09 9.34 9.04 1.18 12.13 11.01 9.78 12.79 29.95 8.08 8.05
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.45 0.00 0.00 1.12 0.00 4.46 0.00 108.16 0.00 0.00 17.77
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.43 0.55 0.57 0.28 0.45 0.39 0.69 0.59 0.83 0.20 0.15
Long-Term Debt to Equity		 0.42 0.55 0.31 0.25 0.42 0.36 0.38 0.41 0.44 0.14 0.15
Financial Leverage		 0.49 0.56 0.42 0.36 0.42 0.53 0.64 0.70 0.57 0.18 0.14
Leverage Ratio		 9.21 9.29 9.25 9.18 8.57 7.98 7.77 7.92 8.20 7.92 7.83
Compound Leverage Factor		 9.21 9.29 9.25 9.18 8.57 7.98 7.77 7.92 -23.10 7.92 7.83
Debt to Total Capital		 30.28% 35.66% 36.19% 21.66% 31.02% 28.08% 40.77% 37.08% 45.26% 16.91% 12.85%
Short-Term Debt to Total Capital		 0.88% 0.48% 16.20% 2.04% 1.78% 1.99% 18.01% 10.99% 21.25% 5.56% 0.00%
Long-Term Debt to Total Capital		 29.41% 35.17% 19.99% 19.63% 29.24% 26.09% 22.77% 26.09% 24.01% 11.35% 12.85%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 69.72% 64.34% 64.00% 78.34% 68.98% 71.92% 59.23% 62.92% 54.74% 83.09% 87.15%
Debt to EBITDA		 3.71 4.92 4.30 1.78 4.83 3.05 6.45 5.14 -144.81 1.76 1.21
Net Debt to EBITDA		 0.54 2.28 2.81 -5.63 1.42 1.60 4.81 4.05 -124.77 0.31 0.10
Long-Term Debt to EBITDA		 3.60 4.85 2.38 1.61 4.55 2.83 3.60 3.62 -76.81 1.18 1.21
Debt to NOPAT		 5.08 6.54 5.64 2.33 6.64 4.01 8.50 8.06 21.42 2.70 1.89
Net Debt to NOPAT		 0.75 3.03 3.68 -7.37 1.95 2.11 6.34 6.35 18.45 0.47 0.15
Long-Term Debt to NOPAT		 4.93 6.45 3.11 2.11 6.26 3.73 4.75 5.67 11.36 1.81 1.89
Noncontrolling Interest Sharing Ratio		 0.00% -0.14% -0.15% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 107 -16 -151 108 -18 181 -44 8.12 -468 -81 13
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.53 -0.11 -4.46 5.06 -0.62 4.03 -1.37 0.41 -37.82 -10.09 3.37
Operating Cash Flow to Interest Expense		 0.37 0.59 3.23 4.79 1.73 1.63 2.65 3.46 2.69 4.88 7.44
Operating Cash Flow Less CapEx to Interest Expense		 0.39 0.60 3.43 4.79 1.73 1.66 2.69 3.46 2.69 5.37 7.44
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.04 0.06 0.05
Fixed Asset Turnover		 6.10 5.80 5.49 4.83 4.50 4.04 3.60 3.23 2.62 3.70 3.39
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,273 1,304 1,217 988 1,004 939 1,054 959 923 435 327
Invested Capital Turnover		 0.23 0.24 0.27 0.27 0.26 0.24 0.22 0.22 0.20 0.38 0.37
Increase / (Decrease) in Invested Capital		 -32 87 229 -16 65 -115 95 36 488 109 8.77
Enterprise Value (EV)		 908 838 990 120 621 806 841 878 997 318 239
Market Capitalization		 851 623 702 797 529 667 520 598 638 305 236
Book Value per Share		 $30.55 $28.44 $26.63 $26.28 $23.66 $23.02 $21.29 $22.61 $19.01 $18.52 $17.55
Tangible Book Value per Share		 $24.22 $22.12 $20.24 $19.91 $17.46 $16.79 $15.00 $15.62 $11.89 $12.10 $12.62
Total Capital		 1,273 1,304 1,217 988 1,004 939 1,054 959 923 435 327
Total Debt		 385 465 440 214 311 264 430 356 418 74 42
Total Long-Term Debt		 374 459 243 194 294 245 240 250 222 49 42
Net Debt		 57 215 288 -676 92 138 320 280 360 13 3.41
Capital Expenditures (CapEx)		 -2.37 -1.88 -6.85 0.00 -0.00 -1.41 -1.17 0.00 0.00 -4.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 385 465 440 214 311 264 430 356 418 74 42
Total Depreciation and Amortization (D&A)		 8.57 5.81 5.10 5.72 7.63 6.40 5.95 7.31 5.42 4.67 4.94
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.60 $2.42 $2.66 $3.12 $1.60 $2.24 $1.72 $1.64 $0.85 $1.39 $1.37
Adjusted Weighted Average Basic Shares Outstanding		 29.00M 29.53M 29.29M 29.53M 29.32M 29.35M 29.29M 29.36M 26.60M 19.61M 20.06M
Adjusted Diluted Earnings per Share		 $2.58 $2.41 $2.64 $3.11 $1.60 $2.24 $1.72 $1.64 $0.84 $1.39 $1.36
Adjusted Weighted Average Diluted Shares Outstanding		 29.00M 29.53M 29.29M 29.53M 29.32M 29.35M 29.29M 29.36M 26.60M 19.61M 20.06M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 29.00M 29.53M 29.29M 29.53M 29.32M 29.35M 29.29M 29.36M 26.60M 19.61M 20.06M
Normalized Net Operating Profit after Tax (NOPAT)		 76 72 78 92 48 66 51 44 34 30 23
Normalized NOPAT Margin		 25.38% 24.37% 26.43% 33.80% 19.04% 28.01% 23.38% 21.78% 24.72% 20.74% 19.24%
Pre Tax Income Margin		 31.85% 29.88% 32.82% 42.09% 22.52% 34.12% 27.81% 30.54% 16.89% 25.30% 24.62%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.47 0.58 2.87 5.36 1.92 1.78 1.87 3.12 -0.67 4.59 7.43
NOPAT to Interest Expense		 0.38 0.47 2.30 4.30 1.59 1.46 1.56 2.22 1.58 3.38 5.56
EBIT Less CapEx to Interest Expense		 0.49 0.60 3.07 5.36 1.92 1.82 1.91 3.12 -0.67 5.09 7.43
NOPAT Less CapEx to Interest Expense		 0.39 0.48 2.51 4.30 1.59 1.50 1.59 2.22 1.58 3.88 5.56
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 32.72% 35.23% 31.50% 25.68% 37.38% 35.66% 46.49% 48.30% 74.61% 46.12% 47.38%
Augmented Payout Ratio		 57.58% 35.88% 46.07% 26.00% 46.72% 38.77% 58.32% 56.28% 117.46% 95.05% 68.10%

Quarterly Metrics And Ratios for Univest Financial

This table displays calculated financial ratios and metrics derived from Univest Financial's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.77% 7.60% 1.48% -2.91% -2.45% -13.35% -5.15% 5.24% 17.68% 23.47% 10.07%
EBITDA Growth		 -3.96% 10.08% 12.91% 6.35% 10.22% -27.47% -17.94% 25.28% 3.35% 36.77% -1.69%
EBIT Growth		 7.83% 16.47% 9.96% 7.91% -2.01% -31.15% -18.15% 27.47% 3.63% 34.75% -0.71%
NOPAT Growth		 10.29% 16.53% 9.18% 7.78% -3.47% -31.81% -18.20% 27.60% 3.53% 36.89% -0.53%
Net Income Growth		 10.29% 16.53% 9.18% 7.78% -3.47% -31.81% -18.20% 27.60% 3.53% 36.89% -0.53%
EPS Growth		 11.59% 16.36% 8.62% 8.77% -2.82% -31.25% -18.31% 26.67% 4.41% 37.93% 0.00%
Operating Cash Flow Growth		 34.88% 0.61% 78.43% -117.65% -44.22% 7.30% -8.17% -46.01% -13.37% -29.40% 38.45%
Free Cash Flow Firm Growth		 -82.11% 170.97% 120.30% 160.89% 149.12% 65.36% -452.11% -434.64% -940.34% -712.24% -131.14%
Invested Capital Growth		 -1.24% -2.42% -2.41% -16.69% -13.30% 7.18% 25.41% 43.85% 45.80% 23.20% 6.75%
Revenue Q/Q Growth		 3.12% 4.70% 1.87% -6.56% 7.96% -1.25% -2.54% -6.12% -4.10% 8.09% 8.15%
EBITDA Q/Q Growth		 21.14% -5.04% 6.74% -21.79% 41.11% -2.60% 0.54% -18.94% -8.62% 10.19% 53.50%
EBIT Q/Q Growth		 15.96% 1.61% 3.52% -11.60% 25.26% -4.07% 1.59% -19.73% -11.98% 14.03% 58.22%
NOPAT Q/Q Growth		 18.24% 1.95% 2.60% -10.82% 24.92% -4.48% 1.29% -20.13% -11.76% 14.59% 57.99%
Net Income Q/Q Growth		 18.24% 1.95% 2.60% -10.82% 24.92% -4.48% 1.29% -20.13% -11.76% 14.59% 57.99%
EPS Q/Q Growth		 20.31% 1.59% 1.61% -10.14% 25.45% -5.17% 1.75% -19.72% -11.25% 12.68% 57.78%
Operating Cash Flow Q/Q Growth		 -44.36% -27.92% 1,240.57% -129.49% -58.50% 27.84% 12.84% -6.83% -20.16% 9.41% -33.66%
Free Cash Flow Firm Q/Q Growth		 -24.96% 1.71% -81.73% 28.29% 397.66% 70.91% 45.19% -3.50% -109.92% -363.59% 46.92%
Invested Capital Q/Q Growth		 -3.21% 1.05% -0.43% 1.41% -4.36% 1.07% -15.01% 5.54% 18.23% 18.26% -2.52%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.94% 31.44% 34.67% 33.09% 39.53% 30.73% 31.16% 30.21% 34.98% 36.72% 36.02%
EBIT Margin		 34.80% 30.94% 31.88% 31.37% 33.16% 28.58% 29.43% 28.23% 33.02% 35.97% 34.10%
Profit (Net Income) Margin		 28.28% 24.66% 25.33% 25.15% 26.35% 22.77% 23.54% 22.65% 26.63% 28.94% 27.29%
Tax Burden Percent		 81.27% 79.70% 79.43% 80.15% 79.45% 79.66% 80.00% 80.24% 80.65% 80.44% 80.05%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.73% 20.30% 20.57% 19.85% 20.55% 20.34% 20.00% 19.76% 19.35% 19.56% 19.95%
Return on Invested Capital (ROIC)		 6.87% 5.73% 5.84% 5.29% 5.79% 5.36% 6.25% 5.49% 6.76% 7.77% 7.68%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.87% 5.73% 5.84% 5.29% 5.79% 5.36% 6.25% 5.49% 6.76% 7.77% 7.68%
Return on Net Nonoperating Assets (RNNOA)		 2.88% 2.82% 3.00% 3.58% 3.68% 3.00% 3.03% 3.51% 3.67% 3.28% 2.46%
Return on Equity (ROE)		 9.76% 8.55% 8.84% 8.87% 9.46% 8.37% 9.28% 9.00% 10.43% 11.06% 10.14%
Cash Return on Invested Capital (CROIC)		 7.54% 8.34% 8.18% 23.36% 19.49% -1.29% -15.76% -29.55% -30.77% -13.70% 0.66%
Operating Return on Assets (OROA)		 1.33% 1.16% 1.17% 1.19% 1.29% 1.13% 1.23% 1.23% 1.41% 1.49% 1.38%
Return on Assets (ROA)		 1.08% 0.93% 0.93% 0.95% 1.03% 0.90% 0.98% 0.99% 1.13% 1.19% 1.10%
Return on Common Equity (ROCE)		 9.76% 8.55% 8.84% 8.87% 9.46% 8.38% 9.28% 9.00% 10.43% 11.07% 10.14%
Return on Equity Simple (ROE_SIMPLE)		 8.64% 0.00% 8.35% 8.39% 8.34% 0.00% 9.75% 10.24% 9.87% 0.00% 9.51%
Net Operating Profit after Tax (NOPAT)		 22 19 19 18 20 16 17 17 21 24 21
NOPAT Margin		 28.28% 24.66% 25.33% 25.15% 26.35% 22.77% 23.54% 22.65% 26.63% 28.94% 27.29%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.90% 52.23% 53.41% 53.93% 52.21% 53.54% 53.13% 51.55% 49.54% 45.32% 49.05%
Operating Expenses to Revenue		 62.29% 65.96% 66.19% 67.64% 64.98% 68.71% 67.77% 67.15% 62.70% 57.45% 61.23%
Earnings before Interest and Taxes (EBIT)		 28 24 23 23 26 20 21 21 26 30 26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 29 24 25 24 30 22 23 22 28 30 27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 0.96 0.94 0.78 0.72 0.74 0.61 0.63 0.82 0.90 0.85
Price to Tangible Book Value (P/TBV)		 1.14 1.21 1.18 0.99 0.91 0.95 0.79 0.82 1.07 1.19 1.12
Price to Revenue (P/Rev)		 2.73 2.84 2.79 2.26 2.05 2.10 1.60 1.62 2.12 2.37 2.27
Price to Earnings (P/E)		 10.54 11.21 11.21 9.25 8.58 8.76 6.25 6.13 8.28 8.99 8.90
Dividend Yield		 2.96% 2.87% 2.99% 3.71% 4.11% 3.98% 5.03% 4.89% 3.77% 3.46% 3.77%
Earnings Yield		 9.49% 8.92% 8.92% 10.82% 11.66% 11.41% 15.99% 16.30% 12.07% 11.12% 11.24%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.71 0.55 0.70 0.65 0.64 0.53 0.71 0.80 0.81 0.78
Enterprise Value to Revenue (EV/Rev)		 3.26 3.03 2.38 3.02 2.73 2.82 2.23 3.46 3.75 3.34 2.85
Enterprise Value to EBITDA (EV/EBITDA)		 9.56 8.74 6.87 8.94 8.28 8.87 6.66 10.01 11.19 9.68 8.49
Enterprise Value to EBIT (EV/EBIT)		 10.09 9.53 7.60 9.83 9.14 9.45 7.00 10.51 11.77 10.18 8.92
Enterprise Value to NOPAT (EV/NOPAT)		 12.58 11.96 9.54 12.31 11.45 11.79 8.71 13.08 14.65 12.67 11.15
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.41 12.09 9.32 15.26 10.00 9.34 7.80 12.01 10.87 9.04 6.65
Enterprise Value to Free Cash Flow (EV/FCFF)		 10.50 8.45 6.70 2.71 3.08 0.00 0.00 0.00 0.00 0.00 120.88
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.36 0.43 0.44 0.48 0.48 0.55 0.60 0.89 0.80 0.57 0.36
Long-Term Debt to Equity		 0.36 0.42 0.43 0.47 0.47 0.55 0.58 0.58 0.46 0.31 0.26
Financial Leverage		 0.42 0.49 0.51 0.68 0.64 0.56 0.49 0.64 0.54 0.42 0.32
Leverage Ratio		 9.00 9.21 9.52 9.31 9.20 9.29 9.44 9.11 9.20 9.25 9.20
Compound Leverage Factor		 9.00 9.21 9.52 9.31 9.20 9.29 9.44 9.11 9.20 9.25 9.20
Debt to Total Capital		 26.66% 30.28% 30.36% 32.48% 32.36% 35.66% 37.45% 46.97% 44.50% 36.19% 26.71%
Short-Term Debt to Total Capital		 0.33% 0.88% 0.66% 0.93% 0.39% 0.48% 1.14% 16.11% 18.90% 16.20% 7.84%
Long-Term Debt to Total Capital		 26.33% 29.41% 29.71% 31.54% 31.98% 35.17% 36.31% 30.86% 25.60% 19.99% 18.86%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.34% 69.72% 69.64% 67.52% 67.64% 64.34% 62.55% 53.03% 55.50% 64.00% 73.29%
Debt to EBITDA		 3.20 3.71 3.76 4.16 4.15 4.92 4.70 6.62 6.20 4.30 2.92
Net Debt to EBITDA		 1.55 0.54 -1.20 2.23 2.08 2.28 1.88 5.32 4.86 2.81 1.71
Long-Term Debt to EBITDA		 3.16 3.60 3.68 4.04 4.10 4.85 4.56 4.35 3.57 2.38 2.06
Debt to NOPAT		 4.21 5.08 5.22 5.73 5.74 6.54 6.14 8.65 8.12 5.64 3.83
Net Debt to NOPAT		 2.04 0.75 -1.67 3.07 2.87 3.03 2.45 6.95 6.37 3.68 2.25
Long-Term Debt to NOPAT		 4.16 4.93 5.11 5.57 5.67 6.45 5.96 5.68 4.67 3.11 2.71
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% -0.14% 0.00% 0.00% 0.00% -0.15% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 38 50 50 272 212 -71 -244 -446 -431 -205 -44
Operating Cash Flow to CapEx		 0.00% 33,787.95% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.81 0.97 0.93 5.56 4.49 -1.47 -5.62 -12.46 -18.00 -13.26 -5.13
Operating Cash Flow to Interest Expense		 0.33 0.54 0.73 -0.07 0.25 0.58 0.50 0.54 0.87 1.68 2.75
Operating Cash Flow Less CapEx to Interest Expense		 0.34 0.54 0.73 -0.07 0.30 0.59 0.51 0.56 0.87 1.68 2.75
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 6.28 6.10 5.95 5.84 5.84 5.80 6.05 6.10 6.00 5.49 5.30
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,232 1,273 1,259 1,265 1,247 1,304 1,291 1,518 1,439 1,217 1,029
Invested Capital Turnover		 0.24 0.23 0.23 0.21 0.22 0.24 0.27 0.24 0.25 0.27 0.28
Increase / (Decrease) in Invested Capital		 -15 -32 -31 -253 -191 87 262 463 452 229 65
Enterprise Value (EV)		 982 908 699 883 806 838 685 1,079 1,155 990 799
Market Capitalization		 822 851 821 663 604 623 492 506 653 702 638
Book Value per Share		 $31.15 $30.55 $30.07 $29.18 $28.82 $28.44 $27.39 $27.36 $27.26 $26.63 $25.69
Tangible Book Value per Share		 $24.82 $24.22 $23.80 $22.92 $22.57 $22.12 $21.06 $21.03 $20.89 $20.24 $19.32
Total Capital		 1,232 1,273 1,259 1,265 1,247 1,304 1,291 1,518 1,439 1,217 1,029
Total Debt		 328 385 382 411 404 465 483 713 640 440 275
Total Long-Term Debt		 324 374 374 399 399 459 469 469 368 243 194
Net Debt		 159 57 -122 220 202 215 193 573 502 288 162
Capital Expenditures (CapEx)		 -0.08 0.08 -0.01 -0.01 -2.44 -0.85 -0.34 -0.69 -0.01 -0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 328 385 382 411 404 465 483 713 640 440 275
Total Depreciation and Amortization (D&A)		 1.70 0.39 2.04 1.23 4.91 1.53 1.25 1.47 1.56 0.61 1.46
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.77 $0.65 $0.64 $0.62 $0.69 $0.55 $0.58 $0.57 $0.72 $0.81 $0.71
Adjusted Weighted Average Basic Shares Outstanding		 28.88M 29.00M 29.04M 29.17M 29.27M 29.53M 29.51M 29.47M 29.43M 29.29M 29.24M
Adjusted Diluted Earnings per Share		 $0.77 $0.64 $0.63 $0.62 $0.69 $0.55 $0.58 $0.57 $0.71 $0.80 $0.71
Adjusted Weighted Average Diluted Shares Outstanding		 28.88M 29.00M 29.04M 29.17M 29.27M 29.53M 29.51M 29.47M 29.43M 29.29M 29.24M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 28.88M 29.00M 29.04M 29.17M 29.27M 29.53M 29.51M 29.47M 29.43M 29.29M 29.24M
Normalized Net Operating Profit after Tax (NOPAT)		 22 19 19 18 20 16 17 18 21 24 21
Normalized NOPAT Margin		 28.28% 24.66% 25.33% 25.15% 26.35% 22.77% 23.54% 24.09% 26.63% 28.94% 27.29%
Pre Tax Income Margin		 34.80% 30.94% 31.88% 31.37% 33.16% 28.58% 29.43% 28.23% 33.02% 35.97% 34.10%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.59 0.46 0.44 0.46 0.54 0.42 0.49 0.58 1.09 1.91 3.01
NOPAT to Interest Expense		 0.48 0.36 0.35 0.37 0.43 0.34 0.39 0.47 0.88 1.54 2.41
EBIT Less CapEx to Interest Expense		 0.59 0.46 0.44 0.46 0.59 0.44 0.50 0.60 1.09 1.91 3.01
NOPAT Less CapEx to Interest Expense		 0.48 0.36 0.35 0.37 0.48 0.35 0.40 0.49 0.88 1.54 2.41
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 32.18% 32.72% 34.22% 34.94% 35.65% 35.23% 31.71% 30.22% 31.25% 31.50% 33.82%
Augmented Payout Ratio		 56.47% 57.58% 54.93% 50.26% 45.52% 35.88% 31.71% 34.85% 31.25% 46.07% 49.70%

Frequently Asked Questions About Univest Financial's Financials

When does Univest Financial's financial year end?

According to the most recent income statement we have on file, Univest Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Univest Financial's net income changed over the last 10 years?

Univest Financial's net income appears to be on an upward trend, with a most recent value of $75.93 million in 2024, rising from $22.23 million in 2014. The previous period was $71.10 million in 2023. See where experts think Univest Financial is headed by visiting Univest Financial's forecast page.

How has Univest Financial revenue changed over the last 10 years?

Over the last 10 years, Univest Financial's total revenue changed from $120.54 million in 2014 to $299.23 million in 2024, a change of 148.2%.

How much debt does Univest Financial have?

Univest Financial's total liabilities were at $7.24 billion at the end of 2024, a 4.3% increase from 2023, and a 271.2% increase since 2014.

How much cash does Univest Financial have?

In the past 10 years, Univest Financial's cash and equivalents has ranged from $32.00 million in 2014 to $84.18 million in 2022, and is currently $76.00 million as of their latest financial filing in 2024.

How has Univest Financial's book value per share changed over the last 10 years?

Over the last 10 years, Univest Financial's book value per share changed from 17.55 in 2014 to 30.55 in 2024, a change of 74.1%.


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This page (NASDAQ:UVSP) was last updated on 5/25/2025 by MarketBeat.com Staff
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