Univest Corporation of Pennsylvania (UVSP) Financials

$30.01 -0.50 (-1.64%)

Closing price 04:00 PM Eastern

Extended Trading

$30.01 0.00 (0.00%)

As of 04:21 PM Eastern

Annual Income Statements for Univest Corporation of Pennsylvania

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

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

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

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Income / (Loss) Attributable to Common Shareholders	24	21	17	17	16	20	18	19	19	22	20
Consolidated Net Income / (Loss)	24	21	17	17	16	20	18	19	19	22	20
Net Income / (Loss) Continuing Operations	24	21	17	17	16	20	18	19	19	22	20
Total Pre-Tax Income	30	26	21	21	20	26	23	23	24	28	25
Total Revenue	82	79	74	72	71	77	72	73	77	79	81
Net Interest Income / (Expense)	62	59	54	54	53	51	51	53	55	57	60
Total Interest Income	77	83	90	97	101	99	100	106	107	103	106
Loans and Leases Interest Income	73	79	85	91	93	93	94	98	98	97	100
Investment Securities Interest Income	3.33	3.51	3.53	3.56	3.69	3.66	3.75	3.71	3.82	4.02	3.96
Deposits and Money Market Investments Interest Income	0.49	0.48	0.51	1.87	3.80	1.61	1.11	3.62	4.85	1.36	1.37
Other Interest Income	0.49	0.61	0.78	0.71	0.77	0.72	0.70	0.74	0.75	0.69	0.67
Total Interest Expense	15	24	36	44	48	47	49	53	52	47	46
Deposits Interest Expense	12	18	27	37	43	42	44	48	47	42	42
Short-Term Borrowings Interest Expense	0.85	2.73	3.25	1.12	0.00	0.01	0.24	0.00	0.00	0.01	0.00
Long-Term Debt Interest Expense	2.14	2.87	5.09	5.32	5.31	5.16	5.06	5.06	4.78	4.64	4.41
Total Non-Interest Income	20	20	20	19	19	26	21	20	21	22	22
Other Service Charges	19	18	18	17	17	24	5.91	6.63	30	20	6.50
Net Realized & Unrealized Capital Gains on Investments	0.44	0.63	1.04	1.22	0.81	0.94	1.71	1.31	1.32	0.65	0.98
Other Non-Interest Income	1.23	0.77	0.79	0.81	0.82	0.84	13	12	-10	1.96	14
Provision for Credit Losses	5.42	3.39	3.43	2.02	1.93	1.43	0.71	1.41	2.38	2.31	5.69
Total Non-Interest Expense	47	50	50	49	49	50	49	49	51	49	50
Salaries and Employee Benefits	29	31	30	30	29	31	30	31	32	31	32
Net Occupancy & Equipment Expense	7.57	7.75	7.74	7.87	8.26	8.48	7.93	7.98	8.04	8.34	8.19
Marketing Expense	0.74	0.37	0.62	0.56	0.63	0.42	0.72	0.49	0.55	0.35	0.50
Property & Liability Insurance Claims	0.71	1.10	1.12	1.26	1.35	1.14	1.10	1.10	1.10	1.15	1.07
Other Operating Expenses	9.10	9.29	9.12	9.33	9.29	8.71	8.78	8.28	9.44	8.66	9.03
Income Tax Expense	5.80	5.05	4.14	4.25	4.15	5.25	4.49	4.81	4.82	5.16	5.04
Basic Earnings per Share	$0.81	$0.72	$0.57	$0.58	$0.55	$0.69	$0.62	$0.64	$0.65	$0.77	$0.69
Weighted Average Basic Shares Outstanding	29.29M	29.43M	29.47M	29.51M	29.53M	29.27M	29.17M	29.04M	29.00M	28.88M	28.81M
Diluted Earnings per Share	$0.80	$0.71	$0.57	$0.58	$0.55	$0.69	$0.62	$0.63	$0.64	$0.77	$0.69
Weighted Average Diluted Shares Outstanding	29.29M	29.43M	29.47M	29.51M	29.53M	29.27M	29.17M	29.04M	29.00M	28.88M	28.81M
Weighted Average Basic & Diluted Shares Outstanding	29.29M	29.43M	29.47M	29.51M	29.53M	29.27M	29.17M	29.04M	29.00M	28.88M	28.81M

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

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

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

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Change in Cash & Equivalents	39	-14	2.09	150	-41	-48	-11	314	-176	-160	-8.77
Net Cash From Operating Activities	26	21	19	22	28	12	-3.41	39	28	16	23
Net Cash From Continuing Operating Activities	26	21	19	22	28	12	-3.41	39	28	16	23
Net Income / (Loss) Continuing Operations	24	21	17	17	16	20	18	19	19	22	20
Consolidated Net Income / (Loss)	24	21	17	17	16	20	18	19	19	22	20
Provision For Loan Losses	5.42	3.39	3.43	2.02	1.93	1.43	0.71	1.41	2.38	2.31	5.69
Depreciation Expense	1.14	1.18	1.27	1.30	1.31	1.34	1.38	1.38	1.38	1.35	1.38
Amortization Expense	-0.53	0.38	0.20	-0.05	0.23	3.56	-0.14	0.66	-0.99	0.35	0.21
Non-Cash Adjustments to Reconcile Net Income	2.68	0.15	-5.01	-0.07	-1.29	-1.81	-15	12	-1.80	2.36	-5.47
Changes in Operating Assets and Liabilities, net	-6.57	-5.39	2.64	1.58	9.44	-13	-8.43	5.33	8.14	-13	1.46
Net Cash From Investing Activities	-273	-149	-237	-88	19	-14	-95	-46	-104	-3.10	27
Net Cash From Continuing Investing Activities	-273	-149	-237	-88	19	-14	-95	-46	-104	-3.10	27
Purchase of Investment Securities	-848	-40	-7.79	-1.18	-480	-17	-18	-16	-288	-11	-15
Sale of Property, Leasehold Improvements and Equipment	0.00	0.01	0.69	0.34	0.85	2.44	0.01	0.01	-0.08	0.08	0.22
Sale and/or Maturity of Investments	12	11	13	32	17	13	30	16	18	19	18
Other Investing Activities, net	-	-119	-242	-119	-	-13	-107	-46	-	-10	25
Net Cash From Financing Activities	287	114	220	216	-88	-45	87	321	-99	-172	-59
Net Cash From Continuing Financing Activities	287	114	220	216	-88	-45	87	321	-99	-172	-59
Net Change in Deposits	127	-79	153	452	-63	30	90	359	-95	-101	-76
Issuance of Debt	166	225	73	-230	-8.37	-1.49	6.97	-3.53	2.93	-7.15	52
Repayment of Debt	-0.95	-25	-	-	-10	-60	-	-25	-	-50	-25
Repurchase of Common Equity	-	0.00	-	-	-0.46	-6.48	-4.04	-4.19	-4.18	-6.54	-4.90
Payment of Dividends	-8.08	-5.52	-5.84	-5.52	-8.18	-5.56	-5.80	-5.54	-7.95	-5.83	-5.78
Other Financing Activities, Net	0.12	-1.77	0.02	-0.00	0.00	-1.32	0.20	0.50	2.30	-1.93	0.04
Cash Interest Paid	13	22	32	40	46	45	47	49	51	50	49
Cash Income Taxes Paid	5.23	0.07	7.78	5.39	3.55	0.12	11	4.65	4.96	0.07	11

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

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	2,235	2,879	4,231	4,555	4,984	5,381	6,336	7,122	7,222	7,781	8,128
Cash and Due from Banks	32	32	49	47	62	51	63	49	84	73	76
Interest Bearing Deposits at Other Banks	6.57	28	9.07	29	48	75	157	841	69	177	253
Trading Account Securities	372	375	474	456	475	447	410	519	513	512	511
Loans and Leases, Net of Allowance	1,606	2,161	3,268	3,599	3,977	4,352	5,224	5,238	6,044	-85	-87
Allowance for Loan and Lease Losses	21	18	17	22	29	35	83	72	79	85	87
Premises and Equipment, Net	37	42	64	62	60	57	56	57	51	51	47
Goodwill	68	113	173	173	173	173	173	176	176	176	176
Intangible Assets	12	13	17	14	12	10	8.87	12	11	11	8.31
Other Assets	102	114	177	177	179	218	246	231	275	6,866	7,146
Total Liabilities & Shareholders' Equity	2,235	2,879	4,231	4,555	4,984	5,381	6,336	7,122	7,222	7,781	8,128
Total Liabilities	1,951	2,518	3,725	3,951	4,360	4,706	5,644	6,349	6,446	6,941	7,241
Non-Interest Bearing Deposits	449	541	918	1,040	1,056	1,280	1,691	2,065	2,047	1,468	1,415
Interest Bearing Deposits	1,412	1,853	2,339	2,515	2,830	3,080	3,552	3,990	3,866	4,907	5,345
Short-Term Debt	-	24	196	105	190	19	18	20	197	6.31	11
Other Short-Term Payables	-	-	-	-	-	-	-	-	-	-	65
Long-Term Debt	42	49	222	250	240	245	294	194	243	459	374
Other Long-Term Liabilities	47	50	50	41	45	82	90	80	92	101	31
Total Equity & Noncontrolling Interests	285	362	505	603	624	675	692	774	777	839	887
Total Preferred & Common Equity	285	362	505	603	624	675	692	774	777	839	887
Total Common Equity	285	362	505	603	624	675	692	774	779	839	887
Common Stock	154	232	375	448	450	453	454	457	459	459	461
Retained Earnings	182	193	195	217	248	289	307	375	429	475	526
Treasury Stock	-37	-47	-45	-44	-46	-45	-46	-42	-46	-44	-55
Accumulated Other Comprehensive Income / (Loss)	-14	-17	-19	-18	-28	-22	-22	-16	-62	-51	-44

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

Metric	Q2 2022	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025
Period end date	6/30/2022	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025
Total Assets	6,701	6,907	7,359	7,600	7,828	7,747	7,855	8,206	7,975	7,939
Cash and Due from Banks	60	66	71	81	69	49	67	78	73	77
Interest Bearing Deposits at Other Banks	35	47	67	60	221	152	124	426	96	84
Trading Account Securities	522	519	528	543	505	511	514	511	510	514
Loans and Leases, Net of Allowance	5,590	5,774	6,160	6,380	6,491	6,493	6,599	6,645	-88	-87
Allowance for Loan and Lease Losses	72	75	80	83	84	86	86	86	88	87
Premises and Equipment, Net	50	51	52	52	51	49	48	47	47	47
Goodwill	176	176	176	176	176	176	176	176	176	176
Intangible Assets	12	12	11	11	11	7.47	7.70	7.16	8.06	7.97
Other Assets	256	263	294	299	304	309	320	315	7,153	7,121
Total Liabilities & Shareholders' Equity	6,701	6,907	7,359	7,600	7,828	7,747	7,855	8,206	7,975	7,939
Total Liabilities	5,937	6,153	6,560	6,795	7,021	6,903	7,001	7,329	7,072	7,022
Non-Interest Bearing Deposits	2,063	1,968	1,799	1,583	1,433	1,402	1,397	1,324	1,434	1,461
Interest Bearing Deposits	3,501	3,819	4,035	4,405	5,007	5,004	5,098	5,530	5,225	5,121
Short-Term Debt	98	81	272	245	15	4.82	12	8.26	4.03	6.27
Other Short-Term Payables	48	58	-	61	64	60	62	60	55	54
Long-Term Debt	194	194	368	469	469	399	399	374	324	350
Other Long-Term Liabilities	34	34	86	33	34	34	33	32	30	30
Total Equity & Noncontrolling Interests	764	754	798	805	807	844	854	877	903	917
Total Preferred & Common Equity	764	754	798	805	807	844	854	877	903	917
Total Common Equity	764	754	798	805	807	844	854	877	903	917
Common Stock	457	458	456	457	458	457	458	459	458	459
Retained Earnings	396	411	443	454	465	489	500	513	542	555
Treasury Stock	-46	-49	-45	-45	-44	-47	-50	-53	-59	-63
Accumulated Other Comprehensive Income / (Loss)	-43	-65	-56	-61	-72	-55	-54	-42	-38	-35

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

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

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

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	23.47%	17.68%	5.24%	-5.15%	-13.35%	-2.45%	-2.91%	1.48%	7.60%	2.77%	12.55%
EBITDA Growth	36.77%	3.35%	25.28%	-17.94%	-27.47%	10.22%	6.35%	12.91%	10.08%	-3.96%	11.69%
EBIT Growth	34.75%	3.63%	27.47%	-18.15%	-31.15%	-2.01%	7.91%	9.96%	16.47%	7.83%	10.73%
NOPAT Growth	36.89%	3.53%	27.60%	-18.20%	-31.81%	-3.47%	7.78%	9.18%	16.53%	10.29%	10.33%
Net Income Growth	36.89%	3.53%	27.60%	-18.20%	-31.81%	-3.47%	7.78%	9.18%	16.53%	10.29%	10.33%
EPS Growth	37.93%	4.41%	26.67%	-18.31%	-31.25%	-2.82%	8.77%	8.62%	16.36%	11.59%	11.29%
Operating Cash Flow Growth	-29.40%	-13.37%	-46.01%	-8.17%	7.30%	-44.22%	-117.65%	78.43%	0.61%	34.88%	781.76%
Free Cash Flow Firm Growth	-712.24%	-940.34%	-434.64%	-452.11%	65.36%	149.12%	160.89%	120.30%	170.97%	-82.11%	-95.44%
Invested Capital Growth	23.20%	45.80%	43.85%	25.41%	7.18%	-13.30%	-16.69%	-2.41%	-2.42%	-1.24%	0.60%
Revenue Q/Q Growth	8.09%	-4.10%	-6.12%	-2.54%	-1.25%	7.96%	-6.56%	1.87%	4.70%	3.12%	2.33%
EBITDA Q/Q Growth	10.19%	-8.62%	-18.94%	0.54%	-2.60%	41.11%	-21.79%	6.74%	-5.04%	21.14%	-9.04%
EBIT Q/Q Growth	14.03%	-11.98%	-19.73%	1.59%	-4.07%	25.26%	-11.60%	3.52%	1.61%	15.96%	-9.22%
NOPAT Q/Q Growth	14.59%	-11.76%	-20.13%	1.29%	-4.48%	24.92%	-10.82%	2.60%	1.95%	18.24%	-10.79%
Net Income Q/Q Growth	14.59%	-11.76%	-20.13%	1.29%	-4.48%	24.92%	-10.82%	2.60%	1.95%	18.24%	-10.79%
EPS Q/Q Growth	12.68%	-11.25%	-19.72%	1.75%	-5.17%	25.45%	-10.14%	1.61%	1.59%	20.31%	-10.39%
Operating Cash Flow Q/Q Growth	9.41%	-20.16%	-6.83%	12.84%	27.84%	-58.50%	-129.49%	1,240.57%	-27.92%	-44.36%	49.04%
Free Cash Flow Firm Q/Q Growth	-363.59%	-109.92%	-3.50%	45.19%	70.91%	397.66%	28.29%	-81.73%	1.71%	-24.96%	-67.28%
Invested Capital Q/Q Growth	18.26%	18.23%	5.54%	-15.01%	1.07%	-4.36%	1.41%	-0.43%	1.05%	-3.21%	3.30%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	36.72%	34.98%	30.21%	31.16%	30.73%	39.53%	33.09%	34.67%	31.44%	36.94%	32.83%
EBIT Margin	35.97%	33.02%	28.23%	29.43%	28.58%	33.16%	31.37%	31.88%	30.94%	34.80%	30.87%
Profit (Net Income) Margin	28.94%	26.63%	22.65%	23.54%	22.77%	26.35%	25.15%	25.33%	24.66%	28.28%	24.65%
Tax Burden Percent	80.44%	80.65%	80.24%	80.00%	79.66%	79.45%	80.15%	79.43%	79.70%	81.27%	79.86%
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	19.56%	19.35%	19.76%	20.00%	20.34%	20.55%	19.85%	20.57%	20.30%	18.73%	20.14%
Return on Invested Capital (ROIC)	7.77%	6.76%	5.49%	6.25%	5.36%	5.79%	5.29%	5.84%	5.73%	6.87%	6.03%
ROIC Less NNEP Spread (ROIC-NNEP)	7.77%	6.76%	5.49%	6.25%	5.36%	5.79%	5.29%	5.84%	5.73%	6.87%	6.03%
Return on Net Nonoperating Assets (RNNOA)	3.28%	3.67%	3.51%	3.03%	3.00%	3.68%	3.58%	3.00%	2.82%	2.88%	2.61%
Return on Equity (ROE)	11.06%	10.43%	9.00%	9.28%	8.37%	9.46%	8.87%	8.84%	8.55%	9.76%	8.64%
Cash Return on Invested Capital (CROIC)	-13.70%	-30.77%	-29.55%	-15.76%	-1.29%	19.49%	23.36%	8.18%	8.34%	7.54%	5.70%
Operating Return on Assets (OROA)	1.49%	1.41%	1.23%	1.23%	1.13%	1.29%	1.19%	1.17%	1.16%	1.33%	1.21%
Return on Assets (ROA)	1.19%	1.13%	0.99%	0.98%	0.90%	1.03%	0.95%	0.93%	0.93%	1.08%	0.97%
Return on Common Equity (ROCE)	11.07%	10.43%	9.00%	9.28%	8.38%	9.46%	8.87%	8.84%	8.55%	9.76%	8.64%
Return on Equity Simple (ROE_SIMPLE)	0.00%	9.87%	10.24%	9.75%	0.00%	8.34%	8.39%	8.35%	0.00%	8.64%	8.71%
Net Operating Profit after Tax (NOPAT)	24	21	17	17	16	20	18	19	19	22	20
NOPAT Margin	28.94%	26.63%	22.65%	23.54%	22.77%	26.35%	25.15%	25.33%	24.66%	28.28%	24.65%
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	45.32%	49.54%	51.55%	53.13%	53.54%	52.21%	53.93%	53.41%	52.23%	49.90%	49.63%
Operating Expenses to Revenue	57.45%	62.70%	67.15%	67.77%	68.71%	64.98%	67.64%	66.19%	65.96%	62.29%	62.11%
Earnings before Interest and Taxes (EBIT)	30	26	21	21	20	26	23	23	24	28	25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	30	28	22	23	22	30	24	25	24	29	27
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.90	0.82	0.63	0.61	0.74	0.72	0.78	0.94	0.96	0.91	0.95
Price to Tangible Book Value (P/TBV)	1.19	1.07	0.82	0.79	0.95	0.91	0.99	1.18	1.21	1.14	1.18
Price to Revenue (P/Rev)	2.37	2.12	1.62	1.60	2.10	2.05	2.26	2.79	2.84	2.73	2.80
Price to Earnings (P/E)	8.99	8.28	6.13	6.25	8.76	8.58	9.25	11.21	11.21	10.54	10.86
Dividend Yield	3.46%	3.77%	4.89%	5.03%	3.98%	4.11%	3.71%	2.99%	2.87%	2.96%	2.83%
Earnings Yield	11.12%	12.07%	16.30%	15.99%	11.41%	11.66%	10.82%	8.92%	8.92%	9.49%	9.21%
Enterprise Value to Invested Capital (EV/IC)	0.81	0.80	0.71	0.53	0.64	0.65	0.70	0.55	0.71	0.80	0.84
Enterprise Value to Revenue (EV/Rev)	3.34	3.75	3.46	2.23	2.82	2.73	3.02	2.38	3.03	3.26	3.42
Enterprise Value to EBITDA (EV/EBITDA)	9.68	11.19	10.01	6.66	8.87	8.28	8.94	6.87	8.74	9.56	10.08
Enterprise Value to EBIT (EV/EBIT)	10.18	11.77	10.51	7.00	9.45	9.14	9.83	7.60	9.53	10.09	10.66
Enterprise Value to NOPAT (EV/NOPAT)	12.67	14.65	13.08	8.71	11.79	11.45	12.31	9.54	11.96	12.58	13.31
Enterprise Value to Operating Cash Flow (EV/OCF)	9.04	10.87	12.01	7.80	9.34	10.00	15.26	9.32	12.09	12.41	10.05
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	3.08	2.71	6.70	8.45	10.50	14.70
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.57	0.80	0.89	0.60	0.55	0.48	0.48	0.44	0.43	0.36	0.39
Long-Term Debt to Equity	0.31	0.46	0.58	0.58	0.55	0.47	0.47	0.43	0.42	0.36	0.38
Financial Leverage	0.42	0.54	0.64	0.49	0.56	0.64	0.68	0.51	0.49	0.42	0.43
Leverage Ratio	9.25	9.20	9.11	9.44	9.29	9.20	9.31	9.52	9.21	9.00	8.92
Compound Leverage Factor	9.25	9.20	9.11	9.44	9.29	9.20	9.31	9.52	9.21	9.00	8.92
Debt to Total Capital	36.19%	44.50%	46.97%	37.45%	35.66%	32.36%	32.48%	30.36%	30.28%	26.66%	27.96%
Short-Term Debt to Total Capital	16.20%	18.90%	16.11%	1.14%	0.48%	0.39%	0.93%	0.66%	0.88%	0.33%	0.49%
Long-Term Debt to Total Capital	19.99%	25.60%	30.86%	36.31%	35.17%	31.98%	31.54%	29.71%	29.41%	26.33%	27.47%
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	64.00%	55.50%	53.03%	62.55%	64.34%	67.64%	67.52%	69.64%	69.72%	73.34%	72.04%
Debt to EBITDA	4.30	6.20	6.62	4.70	4.92	4.15	4.16	3.76	3.71	3.20	3.37
Net Debt to EBITDA	2.81	4.86	5.32	1.88	2.28	2.08	2.23	-1.20	0.54	1.55	1.85
Long-Term Debt to EBITDA	2.38	3.57	4.35	4.56	4.85	4.10	4.04	3.68	3.60	3.16	3.31
Debt to NOPAT	5.64	8.12	8.65	6.14	6.54	5.74	5.73	5.22	5.08	4.21	4.45
Net Debt to NOPAT	3.68	6.37	6.95	2.45	3.03	2.87	3.07	-1.67	0.75	2.04	2.45
Long-Term Debt to NOPAT	3.11	4.67	5.68	5.96	6.45	5.67	5.57	5.11	4.93	4.16	4.37
Noncontrolling Interest Sharing Ratio	-0.15%	0.00%	0.00%	0.00%	-0.14%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-205	-431	-446	-244	-71	212	272	50	50	38	12
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	33,787.95%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-13.26	-18.00	-12.46	-5.62	-1.47	4.49	5.56	0.93	0.97	0.81	0.27
Operating Cash Flow to Interest Expense	1.68	0.87	0.54	0.50	0.58	0.25	-0.07	0.73	0.54	0.33	0.50
Operating Cash Flow Less CapEx to Interest Expense	1.68	0.87	0.56	0.51	0.59	0.30	-0.07	0.73	0.54	0.34	0.51
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	5.49	6.00	6.10	6.05	5.80	5.84	5.84	5.95	6.10	6.28	6.51
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,217	1,439	1,518	1,291	1,304	1,247	1,265	1,259	1,273	1,232	1,273
Invested Capital Turnover	0.27	0.25	0.24	0.27	0.24	0.22	0.21	0.23	0.23	0.24	0.24
Increase / (Decrease) in Invested Capital	229	452	463	262	87	-191	-253	-31	-32	-15	7.59
Enterprise Value (EV)	990	1,155	1,079	685	838	806	883	699	908	982	1,063
Market Capitalization	702	653	506	492	623	604	663	821	851	822	868
Book Value per Share	$26.63	$27.26	$27.36	$27.39	$28.44	$28.82	$29.18	$30.07	$30.55	$31.15	$31.74
Tangible Book Value per Share	$20.24	$20.89	$21.03	$21.06	$22.12	$22.57	$22.92	$23.80	$24.22	$24.82	$25.39
Total Capital	1,217	1,439	1,518	1,291	1,304	1,247	1,265	1,259	1,273	1,232	1,273
Total Debt	440	640	713	483	465	404	411	382	385	328	356
Total Long-Term Debt	243	368	469	469	459	399	399	374	374	324	350
Net Debt	288	502	573	193	215	202	220	-122	57	159	195
Capital Expenditures (CapEx)	-0.00	-0.01	-0.69	-0.34	-0.85	-2.44	-0.01	-0.01	0.08	-0.08	-0.22
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)	440	640	713	483	465	404	411	382	385	328	356
Total Depreciation and Amortization (D&A)	0.61	1.56	1.47	1.25	1.53	4.91	1.23	2.04	0.39	1.70	1.59
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.81	$0.72	$0.57	$0.58	$0.55	$0.69	$0.62	$0.64	$0.65	$0.77	$0.69
Adjusted Weighted Average Basic Shares Outstanding	29.29M	29.43M	29.47M	29.51M	29.53M	29.27M	29.17M	29.04M	29.00M	28.88M	28.81M
Adjusted Diluted Earnings per Share	$0.80	$0.71	$0.57	$0.58	$0.55	$0.69	$0.62	$0.63	$0.64	$0.77	$0.69
Adjusted Weighted Average Diluted Shares Outstanding	29.29M	29.43M	29.47M	29.51M	29.53M	29.27M	29.17M	29.04M	29.00M	28.88M	28.81M
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	29.29M	29.43M	29.47M	29.51M	29.53M	29.27M	29.17M	29.04M	29.00M	28.88M	28.81M
Normalized Net Operating Profit after Tax (NOPAT)	24	21	18	17	16	20	18	19	19	22	20
Normalized NOPAT Margin	28.94%	26.63%	24.09%	23.54%	22.77%	26.35%	25.15%	25.33%	24.66%	28.28%	24.65%
Pre Tax Income Margin	35.97%	33.02%	28.23%	29.43%	28.58%	33.16%	31.37%	31.88%	30.94%	34.80%	30.87%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.91	1.09	0.58	0.49	0.42	0.54	0.46	0.44	0.46	0.59	0.54
NOPAT to Interest Expense	1.54	0.88	0.47	0.39	0.34	0.43	0.37	0.35	0.36	0.48	0.43
EBIT Less CapEx to Interest Expense	1.91	1.09	0.60	0.50	0.44	0.59	0.46	0.44	0.46	0.59	0.55
NOPAT Less CapEx to Interest Expense	1.54	0.88	0.49	0.40	0.35	0.48	0.37	0.35	0.36	0.48	0.44
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	31.50%	31.25%	30.22%	31.71%	35.23%	35.65%	34.94%	34.22%	32.72%	32.18%	31.40%
Augmented Payout Ratio	46.07%	31.25%	34.85%	31.71%	35.88%	45.52%	50.26%	54.93%	57.58%	56.47%	56.19%

Financials Breakdown Chart

Key Financial Trends

Univest Corporation of Pennsylvania (NASDAQ:UVSP) Financial Performance Summary (Q2 2022 to Q2 2025):

Over the past several years, Univest Financial has shown consistent profitability, expanding net interest income and sustaining solid asset growth despite fluctuations in some key components. Here are the key trends and data points retail investors should be aware of:

Consistent profitability with net income from continuing operations growing from $13.2 million in Q2 2022 to nearly $20.0 million in Q2 2025, indicating steady earnings improvement.
Net interest income has improved from approximately $51.5 million in Q2 2022 to nearly $59.5 million in Q2 2025, supporting core earnings growth.
Total revenue increased from $70.5 million in Q2 2022 to $81.0 million in Q2 2025, reflecting growing income streams from both interest and non-interest sources.
The balance sheet expanded with total assets rising from about $6.7 billion in Q2 2022 to nearly $7.9 billion in Q2 2025, signaling ongoing growth of the company’s asset base.
Common equity increased from approximately $764 million in Q2 2022 to around $917 million in Q2 2025, enhancing the company’s capital strength and buffer against risks.
Provision for loan losses has fluctuated but remains moderate relative to asset growth, with a level of around $5.7 million in Q2 2025, suggesting controlled credit risk.
The company maintained a stable dividend payout per share at $0.21 per quarter, which provides steady income to shareholders.
Repurchase of common equity occurred periodically, with $4.9 million repurchased in Q2 2025, reflecting capital return efforts while supporting earnings per share.
Deposits showed significant volatility, with a notable net reduction in deposits by $75.8 million in Q2 2025, which could pressure liquidity or funding cost dynamics.
Long-term debt has increased, reaching $349.5 million in Q2 2025 from $194.0 million in Q2 2022, potentially increasing interest expense and leverage risks.

Overall, Univest Financial Corp demonstrates solid financial health and steady revenue growth, driven by increasing net interest income and controlled expenses. However, deposit fluctuations and rising debt levels warrant monitoring as these could impact future liquidity and cost structure. The company’s ability to maintain profitability while expanding its asset base and capital indicates resilience, but investors should watch deposit trends and credit provisions going forward.

10/07/25 05:13 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Univest Corporation of Pennsylvania's Financials

When does Univest Corporation of Pennsylvania's financial year end?

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

How has Univest Corporation of Pennsylvania's net income changed over the last 10 years?

Univest Corporation of Pennsylvania'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. Check out Univest Corporation of Pennsylvania's forecast to explore projected trends and price targets.

How has Univest Corporation of Pennsylvania's revenue changed over the last 10 years?

Over the last 10 years, Univest Corporation of Pennsylvania'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 Corporation of Pennsylvania have?

Univest Corporation of Pennsylvania'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 Corporation of Pennsylvania have?

In the past 10 years, Univest Corporation of Pennsylvania'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 Corporation of Pennsylvania's book value per share changed over the last 10 years?

Over the last 10 years, Univest Corporation of Pennsylvania'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 10/7/2025 by MarketBeat.com Staff

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Univest Corporation of Pennsylvania (UVSP) Financials

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Univest Corporation of Pennsylvania (UVSP) Financials

Annual Income Statements for Univest Corporation of Pennsylvania

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