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Univest Corporation of Pennsylvania (UVSP) Financials

Univest Corporation of Pennsylvania logo
$28.54 +0.31 (+1.10%)
Closing price 04:00 PM Eastern
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Annual Income Statements for Univest Corporation of Pennsylvania

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

Quarterly Income Statements for Univest Corporation of Pennsylvania

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

Annual Cash Flow Statements for Univest Corporation of Pennsylvania

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

Quarterly Cash Flow Statements for Univest Corporation of Pennsylvania

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

Annual Balance Sheets for Univest Corporation of Pennsylvania

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

Quarterly Balance Sheets for Univest Corporation of Pennsylvania

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

Annual Metrics And Ratios for Univest Corporation of Pennsylvania

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%

Quarterly Metrics And Ratios for Univest Corporation of Pennsylvania

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%

Key Financial Trends

Univest Corporation of Pennsylvania (NASDAQ: UVSP) has displayed steady financial performance over the past four years, showing growth in key areas such as net income, total revenue, and operating cash flow. Here's a summary of the most notable trends and factors from the latest and prior quarterly financials spanning Q2 2022 to Q2 2025.

  • Consistent Net Income Growth: Net income increased from $13.2 million in Q2 2022 to nearly $20 million by Q2 2025, reflecting stable profitability and operational efficiency improvements.
  • Increasing Net Interest Income: Net interest income rose from about $51 million in early 2022 quarters to nearly $60 million by mid-2025, indicating improving interest margin management and loan portfolio growth.
  • Strong Operating Cash Flow: Net cash from continuing operating activities grew significantly, from $19.3 million in Q2 2022 to $23.3 million in Q2 2025, which supports sustainable operations and potential investments.
  • Dividend Consistency: The company maintained steady quarterly cash dividends of $0.21 per share, signifying reliable shareholder returns.
  • Equity Growth: Total common equity increased steadily from approximately $764 million in early 2022 to about $917 million by Q2 2025, reflecting retained earnings growth and capital retention.
  • Rise in Deposits Interest Expense: Interest expense on deposits increased from $27.4 million in Q1 2022 to around $41.8 million in mid-2025, which may pressure net interest margins but corresponds with higher deposit volumes.
  • Fluctuating Loan Loss Provision: The provision for credit losses varies each quarter (from $667K to over $5.6M), illustrating credit risk management adjustments but no clear worsening trend.
  • Stable Total Assets: Total assets hovered between roughly $6.7 billion in mid-2022 and $7.9 billion in mid-2025, showing moderate asset base expansion amid market conditions.
  • Substantial Investment Securities Activity: The company shows large swings in purchase and sale of investment securities, with heavy purchases outpacing sales in many quarters, which can affect liquidity and risk profiles.
  • High Debt Levels and Repayments: Long-term debt stands near $350 million to $400 million range with significant quarterly repayments and issuances, reflecting active debt management but potential refinancing risk.

Summary: Univest shows consistent earnings and cash flow improvements over recent years, supported by stable net interest income and equity growth. While interest expenses have increased with deposit growth, the firm manages credit losses prudently. Large investments and debt activities highlight active balance sheet management, which investors should monitor. Dividend stability and improving profitability make Univest attractive for income-focused investors, but attention to deposit costs and investment security exposure is warranted.

08/08/25 10:53 PMAI 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. View Univest Corporation of Pennsylvania's forecast to see where analysts expect Univest Corporation of Pennsylvania to go next.

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 8/8/2025 by MarketBeat.com Staff
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