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Univest Corporation of Pennsylvania (UVSP) Financials

Univest Corporation of Pennsylvania logo
$38.58 +0.95 (+2.52%)
Closing price 04:00 PM Eastern
Extended Trading
$38.58 +0.01 (+0.01%)
As of 05:44 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 27 20 44 51 66 47 92 78 71 76 91
Consolidated Net Income / (Loss)		 27 20 44 51 66 47 92 78 71 76 91
Net Income / (Loss) Continuing Operations		 27 20 44 51 66 47 92 78 71 76 91
Total Pre-Tax Income 		37 23 62 61 80 57 114 97 89 95 113
Total Revenue		 146 138 202 218 235 253 272 296 297 299 328
Net Interest Income / (Expense)		 94 114 143 158 169 174 188 218 220 211 240
Total Interest Income		 102 127 163 190 214 204 210 252 372 412 430
Loans and Leases Interest Income		 93 118 152 176 197 193 201 237 348 383 398
Investment Securities Interest Income		 8.12 8.09 9.62 11 12 8.52 6.31 11 14 15 16
Deposits and Money Market Investments Interest Income		 0.10 0.06 0.28 1.10 2.88 0.57 0.66 1.92 6.66 11 14
Other Interest Income		 0.53 0.79 1.50 1.97 2.15 1.75 1.42 1.63 2.87 2.91 2.85
Total Interest Expense		 8.07 12 20 32 45 30 21 34 152 201 190
Deposits Interest Expense		 6.01 7.22 11 22 36 20 13 25 126 181 172
Short-Term Borrowings Interest Expense		 0.04 0.75 0.90 2.42 1.01 0.33 0.01 1.39 7.10 0.25 0.02
Long-Term Debt Interest Expense		 2.02 4.42 7.66 7.82 8.28 9.64 8.47 7.09 19 20 18
Total Non-Interest Income		 52 56 59 60 65 78 83 78 77 88 88
Other Service Charges		 26 15 16 16 58 58 21 70 24 79 79
Net Realized & Unrealized Capital Gains on Investments		 6.10 0.52 0.05 3.14 4.00 17 15 4.44 3.69 5.28 3.36
Other Non-Interest Income		 1.30 8.96 44 41 3.18 2.94 47 3.79 49 3.86 5.85
Provision for Credit Losses		 3.80 4.82 9.89 20 8.51 41 -10 12 11 5.93 12
Total Non-Interest Expense		 106 142 131 137 146 155 167 187 197 198 203
Salaries and Employee Benefits		 58 69 76 80 88 93 104 116 120 124 127
Net Occupancy & Equipment Expense		 16 20 23 23 25 26 27 29 32 32 33
Marketing Expense		 2.25 2.02 2.21 2.64 2.59 1.98 2.06 2.46 2.18 2.17 1.65
Property & Liability Insurance Claims		 1.73 1.71 1.64 1.84 0.78 2.59 2.71 3.08 4.83 4.43 4.53
Other Operating Expenses		 23 -0.45 28 28 30 30 31 36 37 35 37
Restructuring Charge		 4.18 18 0.00 0.57 0.00 1.44 0.00 0.18 1.52 0.00 0.00
Income Tax Expense		 9.76 3.88 18 10 14 9.98 23 19 18 19 23
Basic Earnings per Share		 $1.39 $0.85 $1.64 $1.72 $2.24 $1.60 $3.12 $2.66 $2.42 $2.60 $3.16
Weighted Average Basic Shares Outstanding		 19.61M 26.60M 29.36M 29.29M 29.35M 29.32M 29.53M 29.29M 29.53M 29.00M 28.08M
Diluted Earnings per Share		 $1.39 $0.84 $1.64 $1.72 $2.24 $1.60 $3.11 $2.64 $2.41 $2.58 $3.13
Weighted Average Diluted Shares Outstanding		 19.61M 26.60M 29.36M 29.29M 29.35M 29.32M 29.53M 29.29M 29.53M 29.00M 28.08M
Weighted Average Basic & Diluted Shares Outstanding		 19.61M 26.60M 29.36M 29.29M 29.35M 29.32M 29.53M 29.29M 29.53M 29.00M 28.08M
Cash Dividends to Common per Share		 $0.80 $0.80 $0.80 $0.80 $0.80 $0.60 $0.80 $0.83 $0.84 $0.84 $0.87

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 17 16 20 18 19 19 22 20 26 23 27
Consolidated Net Income / (Loss)		 17 16 20 18 19 19 22 20 26 23 27
Net Income / (Loss) Continuing Operations		 17 16 20 18 19 19 22 20 26 23 27
Total Pre-Tax Income 		21 20 26 23 23 24 28 25 32 29 33
Total Revenue		 72 71 77 72 73 77 79 81 83 85 87
Net Interest Income / (Expense)		 54 53 51 51 53 55 57 60 61 63 63
Total Interest Income		 97 101 99 100 106 107 103 106 110 112 106
Loans and Leases Interest Income		 91 93 93 94 98 98 97 100 101 100 99
Investment Securities Interest Income		 3.56 3.69 3.66 3.75 3.71 3.82 4.02 3.96 3.92 4.02 4.05
Deposits and Money Market Investments Interest Income		 1.87 3.80 1.61 1.11 3.62 4.85 1.36 1.37 4.36 6.81 2.81
Other Interest Income		 0.71 0.77 0.72 0.70 0.74 0.75 0.69 0.67 0.74 0.75 0.70
Total Interest Expense		 44 48 47 49 53 52 47 46 48 49 43
Deposits Interest Expense		 37 43 42 44 48 47 42 42 44 45 39
Short-Term Borrowings Interest Expense		 1.12 0.00 0.01 0.24 0.00 0.00 0.01 0.00 0.00 0.00 0.00
Long-Term Debt Interest Expense		 5.32 5.31 5.16 5.06 5.06 4.78 4.64 4.41 4.71 4.50 3.84
Total Non-Interest Income		 19 19 26 21 20 21 22 22 22 22 24
Other Service Charges		 17 17 24 5.91 18 30 20 6.50 19 33 22
Net Realized & Unrealized Capital Gains on Investments		 1.22 0.81 0.94 1.71 1.31 1.32 0.65 0.98 0.85 0.89 0.79
Other Non-Interest Income		 0.81 0.82 0.84 13 0.92 -10 1.96 14 1.91 -12 1.33
Provision for Credit Losses		 2.02 1.93 1.43 0.71 1.41 2.38 2.31 5.69 0.52 3.15 1.30
Total Non-Interest Expense		 49 49 50 49 49 51 49 50 51 53 53
Salaries and Employee Benefits		 30 29 31 30 31 32 31 32 32 33 33
Net Occupancy & Equipment Expense		 7.87 8.26 8.48 7.93 7.98 8.04 8.34 8.19 8.01 8.32 8.56
Marketing Expense		 0.56 0.63 0.42 0.72 0.49 0.55 0.35 0.50 0.32 0.48 0.63
Property & Liability Insurance Claims		 1.26 1.35 1.14 1.10 1.10 1.10 1.15 1.07 1.20 1.11 1.17
Other Operating Expenses		 9.33 9.29 8.71 8.78 8.28 9.44 8.66 9.03 9.49 9.79 8.42
Restructuring Charge		 0.00 - - - - - 0.00 - - - 0.43
Income Tax Expense		 4.25 4.15 5.25 4.49 4.81 4.82 5.16 5.04 6.42 5.97 6.39
Basic Earnings per Share		 $0.58 $0.55 $0.69 $0.62 $0.64 $0.65 $0.77 $0.69 $0.89 $0.81 $0.97
Weighted Average Basic Shares Outstanding		 29.51M 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M
Diluted Earnings per Share		 $0.58 $0.55 $0.69 $0.62 $0.63 $0.64 $0.77 $0.69 $0.89 $0.78 $0.96
Weighted Average Diluted Shares Outstanding		 29.51M 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M
Weighted Average Basic & Diluted Shares Outstanding		 29.51M 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M
Cash Dividends to Common per Share		 $0.21 - $0.21 - $0.21 - $0.21 - $0.22 - $0.22

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 0.36 -2.97 18 34 16 95 670 -737 97 79 225
Net Cash From Operating Activities		 39 33 69 86 73 51 102 109 90 75 102
Net Cash From Continuing Operating Activities		 39 33 69 86 73 51 102 109 90 75 102
Net Income / (Loss) Continuing Operations		 27 20 44 51 66 47 92 78 71 76 91
Consolidated Net Income / (Loss)		 27 20 44 51 66 47 92 78 71 76 91
Provision For Loan Losses		 3.80 4.82 9.89 20 8.51 41 -10 12 11 5.93 12
Depreciation Expense		 3.76 4.09 5.56 5.58 5.28 4.78 4.66 4.47 5.06 5.47 5.51
Amortization Expense		 0.92 1.33 1.75 0.37 1.12 2.85 1.06 0.64 0.73 3.05 1.48
Non-Cash Adjustments to Reconcile Net Income		 -0.90 -0.56 8.52 -1.88 -6.55 -50 16 14 -6.19 -7.07 -4.01
Changes in Operating Assets and Liabilities, net		 4.50 4.12 -1.15 11 -0.92 5.77 -0.94 0.13 8.27 -8.22 -3.89
Net Cash From Investing Activities		 -190 -314 -332 -431 -343 -867 -127 -898 -454 -260 -84
Net Cash From Continuing Investing Activities		 -190 -314 -332 -431 -343 -867 -127 -898 -454 -260 -84
Purchase of Investment Securities		 -381 -527 -465 -513 -478 -1,098 -265 -978 -522 -339 -165
Sale of Property, Leasehold Improvements and Equipment		 4.00 - - 1.17 1.41 0.00 0.00 6.85 1.88 2.37 0.41
Sale and/or Maturity of Investments		 170 213 132 80 134 231 138 74 66 77 81
Net Cash From Financing Activities		 151 278 281 379 286 911 695 51 462 264 207
Net Cash From Continuing Financing Activities		 151 278 281 379 286 911 695 51 462 264 207
Net Change in Deposits		 148 125 298 331 474 883 812 -142 462 383 328
Issuance of Debt		 49 188 95 94 -146 224 2.20 227 59 4.88 113
Issuance of Common Equity		 0.00 0.00 73 2.30 2.23 2.37 2.38 2.54 2.57 2.38 2.32
Repayment of Debt		 -18 -15 -156 -20 -20 -177 -100 -0.95 -35 -85 -176
Repurchase of Common Equity		 -13 -8.36 -3.52 -5.98 -2.05 -4.38 -0.30 -11 -0.46 -19 -35
Payment of Dividends		 -13 -15 -21 -23 -23 -18 -24 -25 -25 -25 -25
Other Financing Activities, Net		 -2.10 2.42 -3.74 1.00 1.07 0.19 1.65 -0.21 -1.75 2.32 -0.80
Cash Interest Paid		 8.10 14 21 31 44 29 22 33 140 192 200

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 150 -41 -48 -11 314 -176 -160 -8.77 656 -263 -331
Net Cash From Operating Activities		 22 28 12 -3.41 39 28 16 23 32 31 22
Net Cash From Continuing Operating Activities		 22 28 12 -3.41 39 28 16 23 32 31 22
Net Income / (Loss) Continuing Operations		 17 16 20 18 19 19 22 20 26 23 27
Consolidated Net Income / (Loss)		 17 16 20 18 19 19 22 20 26 23 27
Provision For Loan Losses		 2.02 1.93 1.43 0.71 1.41 2.38 2.31 5.69 0.52 3.15 1.30
Depreciation Expense		 1.30 1.31 1.34 1.38 1.38 1.38 1.35 1.38 1.40 1.38 1.36
Amortization Expense		 -0.05 0.23 3.56 -0.14 0.66 -0.99 0.35 0.21 0.57 0.35 -0.14
Non-Cash Adjustments to Reconcile Net Income		 -0.07 -1.29 -1.81 -15 12 -1.80 2.36 -5.47 9.39 -10 4.47
Changes in Operating Assets and Liabilities, net		 1.58 9.44 -13 -8.43 5.33 8.14 -13 1.46 -5.53 13 -12
Net Cash From Investing Activities		 -88 19 -14 -95 -46 -104 -3.10 27 17 -125 -37
Net Cash From Continuing Investing Activities		 -88 19 -14 -95 -46 -104 -3.10 27 17 -125 -37
Purchase of Investment Securities		 -1.18 -480 -17 -18 -16 -288 -11 -15 -21 -117 -29
Sale of Property, Leasehold Improvements and Equipment		 0.34 0.85 2.44 0.01 0.01 -0.08 0.08 0.22 0.12 -0.02 0.01
Sale and/or Maturity of Investments		 32 17 13 30 16 18 19 18 23 21 23
Other Investing Activities, net		 -119 - -13 -107 -46 - -10 25 14 - -31
Net Cash From Financing Activities		 216 -88 -45 87 321 -99 -172 -59 608 -169 -316
Net Cash From Continuing Financing Activities		 216 -88 -45 87 321 -99 -172 -59 608 -169 -316
Net Change in Deposits		 452 -63 30 90 359 -95 -101 -76 635 -131 -274
Issuance of Debt		 -230 -8.37 -1.49 6.97 -3.53 2.93 -7.15 52 5.68 62 27
Repayment of Debt		 - -10 -60 - -25 - -50 -25 -20 -81 -50
Repurchase of Common Equity		 - -0.46 -6.48 -4.04 -4.19 -4.18 -6.54 -4.90 -7.77 -15 -12
Payment of Dividends		 -5.52 -8.18 -5.56 -5.80 -5.54 -7.95 -5.83 -5.78 -5.74 -7.99 -5.95
Other Financing Activities, Net		 -0.00 0.00 -1.32 0.20 0.50 2.30 -1.93 0.04 -0.01 1.11 -1.66
Cash Interest Paid		 40 46 45 47 49 51 50 49 50 52 43

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 2,879 4,231 4,555 4,984 5,381 6,336 7,122 7,222 7,781 8,128 8,437
Cash and Due from Banks		 32 49 47 62 51 63 49 84 73 76 64
Interest Bearing Deposits at Other Banks		 28 9.07 29 48 75 157 841 69 177 253 490
Trading Account Securities		 375 474 456 475 447 410 519 513 512 511 512
Loans and Leases, Net of Allowance		 2,161 3,268 3,599 3,977 4,352 5,224 5,238 6,044 -85 6,739 6,827
Loans and Leases		 2,179 3,286 3,620 4,007 4,387 5,307 5,310 6,123 - 6,827 6,915
Allowance for Loan and Lease Losses		 18 17 22 29 35 83 72 79 85 87 88
Premises and Equipment, Net		 42 64 62 60 57 56 57 51 51 47 46
Goodwill		 113 173 173 173 173 173 176 176 176 176 176
Intangible Assets		 13 17 14 12 10 8.87 12 11 11 8.31 7.33
Other Assets		 114 177 177 179 218 246 231 275 6,866 319 317
Total Liabilities & Shareholders' Equity		 2,879 4,231 4,555 4,984 5,381 6,336 7,122 7,222 7,781 8,128 8,437
Total Liabilities		 2,518 3,725 3,951 4,360 4,706 5,644 6,349 6,446 6,941 7,241 7,494
Non-Interest Bearing Deposits		 541 918 1,040 1,056 1,280 1,691 2,065 2,047 1,468 1,415 1,432
Interest Bearing Deposits		 1,853 2,339 2,515 2,830 3,080 3,552 3,990 3,866 4,907 5,345 5,655
Short-Term Debt		 24 196 105 190 19 18 20 197 6.31 11 24
Other Short-Term Payables		 - - - - - - - - - - 54
Long-Term Debt		 49 222 250 240 245 294 194 243 459 374 299
Other Long-Term Liabilities		 50 50 41 45 82 90 80 92 101 96 29
Total Equity & Noncontrolling Interests		 362 505 603 624 675 692 774 777 839 887 943
Total Preferred & Common Equity		 362 505 603 624 675 692 774 777 839 887 943
Total Common Equity		 362 505 603 624 675 692 774 779 839 887 943
Common Stock		 232 375 448 450 453 454 457 459 459 461 462
Retained Earnings		 193 195 217 248 289 307 375 429 475 526 591
Treasury Stock		 -47 -45 -44 -46 -45 -46 -42 -46 -44 -55 -84
Accumulated Other Comprehensive Income / (Loss)		 -17 -19 -18 -28 -22 -22 -16 -62 -51 -44 -25

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 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 9/30/2025 3/31/2026
Total Assets		 6,907 7,359 7,600 7,828 7,747 7,855 8,206 7,975 7,939 8,574 8,142
Cash and Due from Banks		 66 71 81 69 49 67 78 73 77 71 70
Interest Bearing Deposits at Other Banks		 47 67 60 221 152 124 426 96 84 746 153
Trading Account Securities		 519 528 543 505 511 514 511 510 514 503 516
Loans and Leases, Net of Allowance		 5,774 6,160 6,380 6,491 6,493 6,599 6,645 -88 -87 6,699 6,851
Loans and Leases		 5,849 6,240 6,462 6,575 6,579 6,685 6,731 - - 6,785 6,940
Allowance for Loan and Lease Losses		 75 80 83 84 86 86 86 88 87 87 89
Premises and Equipment, Net		 51 52 52 51 49 48 47 47 47 46 45
Goodwill		 176 176 176 176 176 176 176 176 176 176 176
Intangible Assets		 12 11 11 11 7.47 7.70 7.16 8.06 7.97 7.54 7.58
Other Assets		 263 294 299 304 309 320 315 7,153 7,121 325 324
Total Liabilities & Shareholders' Equity		 6,907 7,359 7,600 7,828 7,747 7,855 8,206 7,975 7,939 8,574 8,142
Total Liabilities		 6,153 6,560 6,795 7,021 6,903 7,001 7,329 7,072 7,022 7,640 7,190
Non-Interest Bearing Deposits		 1,968 1,799 1,583 1,433 1,402 1,397 1,324 1,434 1,461 1,391 1,476
Interest Bearing Deposits		 3,819 4,035 4,405 5,007 5,004 5,098 5,530 5,225 5,121 5,828 5,338
Short-Term Debt		 81 272 245 15 4.82 12 8.26 4.03 6.27 12 26
Other Short-Term Payables		 58 - 61 64 60 62 60 55 54 51 48
Long-Term Debt		 194 368 469 469 399 399 374 324 350 330 274
Other Long-Term Liabilities		 34 86 33 34 34 33 32 30 30 29 28
Total Equity & Noncontrolling Interests		 754 798 805 807 844 854 877 903 917 933 952
Total Preferred & Common Equity		 754 798 805 807 844 854 877 903 917 933 952
Total Common Equity		 754 798 805 807 844 854 877 903 917 933 952
Common Stock		 458 456 457 458 457 458 459 458 459 460 459
Retained Earnings		 411 443 454 465 489 500 513 542 555 575 612
Treasury Stock		 -49 -45 -45 -44 -47 -50 -53 -59 -63 -70 -93
Accumulated Other Comprehensive Income / (Loss)		 -65 -56 -61 -72 -55 -54 -42 -38 -35 -32 -26

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.39 $0.85 $1.64 $1.72 $2.24 $1.60 $3.12 $2.66 $2.42 $2.60 $3.16
Adjusted Weighted Average Basic Shares Outstanding		 19.61M 26.60M 29.36M 29.29M 29.35M 29.32M 29.53M 29.29M 29.53M 29.00M 28.08M
Adjusted Diluted Earnings per Share		 $1.39 $0.84 $1.64 $1.72 $2.24 $1.60 $3.11 $2.64 $2.41 $2.58 $3.13
Adjusted Weighted Average Diluted Shares Outstanding		 19.61M 26.60M 29.36M 29.29M 29.35M 29.32M 29.53M 29.29M 29.53M 29.00M 28.08M
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		 19.61M 26.60M 29.36M 29.29M 29.35M 29.32M 29.53M 29.29M 29.53M 29.00M 28.08M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 28,083,533.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 28,083,533.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 0.96
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.15% -13.35% -2.45% -2.91% 1.48% 7.60% 2.77% 12.55% 13.49% - 10.43%
EBITDA Growth		 -17.94% -27.47% 10.22% 6.35% 12.91% 10.08% -3.96% 11.69% 33.79% - 18.62%
EBIT Growth		 -18.15% -31.15% -2.01% 7.91% 9.96% 16.47% 7.83% 10.73% 37.08% - 21.50%
NOPAT Growth		 -18.20% -31.81% -3.47% 7.78% 9.18% 16.53% 10.29% 10.33% 38.01% - 20.97%
Net Income Growth		 -18.20% -31.81% -3.47% 7.78% 9.18% 16.53% 10.29% 10.33% 38.01% - 20.97%
EPS Growth		 -18.31% -31.25% -2.82% 8.77% 8.62% 16.36% 11.59% 11.29% 41.27% - 24.68%
Operating Cash Flow Growth		 -8.17% 7.30% -44.22% -117.65% 78.43% 0.61% 34.88% 781.76% -17.79% - 41.86%
Free Cash Flow Firm Growth		 -452.11% 65.36% 149.12% 160.89% 120.30% 170.97% -82.11% -95.44% -79.17% - -81.61%
Invested Capital Growth		 25.41% 7.18% -13.30% -16.69% -2.41% -2.42% -1.24% 0.60% 1.22% - 1.63%
Revenue Q/Q Growth		 -2.54% -1.25% 7.96% -6.56% 1.87% 4.70% 3.12% 2.33% 2.72% - 3.41%
EBITDA Q/Q Growth		 0.54% -2.60% 41.11% -21.79% 6.74% -5.04% 21.14% -9.04% 27.86% - 13.97%
EBIT Q/Q Growth		 1.59% -4.07% 25.26% -11.60% 3.52% 1.61% 15.96% -9.22% 28.16% - 16.59%
NOPAT Q/Q Growth		 1.29% -4.48% 24.92% -10.82% 2.60% 1.95% 18.24% -10.79% 28.34% - 19.11%
Net Income Q/Q Growth		 1.29% -4.48% 24.92% -10.82% 2.60% 1.95% 18.24% -10.79% 28.34% - 19.11%
EPS Q/Q Growth		 1.75% -5.17% 25.45% -10.14% 1.61% 1.59% 20.31% -10.39% 28.99% - 23.08%
Operating Cash Flow Q/Q Growth		 12.84% 27.84% -58.50% -129.49% 1,240.57% -27.92% -44.36% 49.04% 37.54% - -27.83%
Free Cash Flow Firm Q/Q Growth		 45.19% 70.91% 397.66% 28.29% -81.73% 1.71% -24.96% -67.28% -16.60% - -75.89%
Invested Capital Q/Q Growth		 -15.01% 1.07% -4.36% 1.41% -0.43% 1.05% -3.21% 3.30% 0.18% - -1.15%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 31.16% 30.73% 39.53% 33.09% 34.67% 31.44% 36.94% 32.83% 40.87% - 39.68%
EBIT Margin		 29.43% 28.58% 33.16% 31.37% 31.88% 30.94% 34.80% 30.87% 38.51% - 38.28%
Profit (Net Income) Margin		 23.54% 22.77% 26.35% 25.15% 25.33% 24.66% 28.28% 24.65% 30.80% - 30.98%
Tax Burden Percent		 80.00% 79.66% 79.45% 80.15% 79.43% 79.70% 81.27% 79.86% 79.97% - 80.92%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 20.00% 20.34% 20.55% 19.85% 20.57% 20.30% 18.73% 20.14% 20.03% - 19.08%
Return on Invested Capital (ROIC)		 6.25% 5.36% 5.79% 5.29% 5.84% 5.73% 6.87% 6.03% 7.78% - 8.39%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.25% 5.36% 5.79% 5.29% 5.84% 5.73% 6.87% 6.03% 7.78% - 8.39%
Return on Net Nonoperating Assets (RNNOA)		 3.03% 3.00% 3.68% 3.58% 3.00% 2.82% 2.88% 2.61% 3.11% - 2.84%
Return on Equity (ROE)		 9.28% 8.37% 9.46% 8.87% 8.84% 8.55% 9.76% 8.64% 10.90% - 11.23%
Cash Return on Invested Capital (CROIC)		 -15.76% -1.29% 19.49% 23.36% 8.18% 8.34% 7.54% 5.70% 5.65% - 6.07%
Operating Return on Assets (OROA)		 1.23% 1.13% 1.29% 1.19% 1.17% 1.16% 1.33% 1.21% 1.47% - 1.60%
Return on Assets (ROA)		 0.98% 0.90% 1.03% 0.95% 0.93% 0.93% 1.08% 0.97% 1.18% - 1.29%
Return on Common Equity (ROCE)		 9.28% 8.38% 9.46% 8.87% 8.84% 8.55% 9.76% 8.64% 10.90% - 11.23%
Return on Equity Simple (ROE_SIMPLE)		 9.75% 0.00% 8.34% 8.39% 8.35% 0.00% 8.64% 8.71% 9.32% - 10.03%
Net Operating Profit after Tax (NOPAT)		 17 16 20 18 19 19 22 20 26 - 27
NOPAT Margin		 23.54% 22.77% 26.35% 25.15% 25.33% 24.66% 28.28% 24.65% 30.80% - 30.98%
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%
SG&A Expenses to Revenue		 53.13% 53.54% 52.21% 53.93% 53.41% 52.23% 49.90% 49.63% 48.04% - 48.77%
Operating Expenses to Revenue		 67.77% 68.71% 64.98% 67.64% 66.19% 65.96% 62.29% 62.11% 60.87% - 60.23%
Earnings before Interest and Taxes (EBIT)		 21 20 26 23 23 24 28 25 32 - 33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 23 22 30 24 25 24 29 27 34 - 35
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.61 0.74 0.72 0.78 0.94 0.96 0.91 0.95 0.93 - 1.01
Price to Tangible Book Value (P/TBV)		 0.79 0.95 0.91 0.99 1.18 1.21 1.14 1.18 1.15 - 1.25
Price to Revenue (P/Rev)		 1.60 2.10 2.05 2.26 2.79 2.84 2.73 2.80 2.70 - 2.86
Price to Earnings (P/E)		 6.25 8.76 8.58 9.25 11.21 11.21 10.54 10.86 9.94 - 10.08
Dividend Yield		 5.03% 3.98% 4.11% 3.71% 2.99% 2.87% 2.96% 2.83% 2.86% - 2.57%
Earnings Yield		 15.99% 11.41% 11.66% 10.82% 8.92% 8.92% 9.49% 9.21% 10.06% - 9.92%
Enterprise Value to Invested Capital (EV/IC)		 0.53 0.64 0.65 0.70 0.55 0.71 0.80 0.84 0.31 - 0.83
Enterprise Value to Revenue (EV/Rev)		 2.23 2.82 2.73 3.02 2.38 3.03 3.26 3.42 1.22 - 3.09
Enterprise Value to EBITDA (EV/EBITDA)		 6.66 8.87 8.28 8.94 6.87 8.74 9.56 10.08 3.42 - 8.27
Enterprise Value to EBIT (EV/EBIT)		 7.00 9.45 9.14 9.83 7.60 9.53 10.09 10.66 3.59 - 8.72
Enterprise Value to NOPAT (EV/NOPAT)		 8.71 11.79 11.45 12.31 9.54 11.96 12.58 13.31 4.48 - 10.89
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.80 9.34 10.00 15.26 9.32 12.09 12.41 10.05 3.94 - 9.62
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 3.08 2.71 6.70 8.45 10.50 14.70 5.44 - 13.80
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.60 0.55 0.48 0.48 0.44 0.43 0.36 0.39 0.37 - 0.32
Long-Term Debt to Equity		 0.58 0.55 0.47 0.47 0.43 0.42 0.36 0.38 0.35 - 0.29
Financial Leverage		 0.49 0.56 0.64 0.68 0.51 0.49 0.42 0.43 0.40 - 0.34
Leverage Ratio		 9.44 9.29 9.20 9.31 9.52 9.21 9.00 8.92 9.27 - 8.69
Compound Leverage Factor		 9.44 9.29 9.20 9.31 9.52 9.21 9.00 8.92 9.27 - 8.69
Debt to Total Capital		 37.45% 35.66% 32.36% 32.48% 30.36% 30.28% 26.66% 27.96% 26.79% - 23.97%
Short-Term Debt to Total Capital		 1.14% 0.48% 0.39% 0.93% 0.66% 0.88% 0.33% 0.49% 0.94% - 2.09%
Long-Term Debt to Total Capital		 36.31% 35.17% 31.98% 31.54% 29.71% 29.41% 26.33% 27.47% 25.86% - 21.88%
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%
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%
Common Equity to Total Capital		 62.55% 64.34% 67.64% 67.52% 69.64% 69.72% 73.34% 72.04% 73.21% - 76.03%
Debt to EBITDA		 4.70 4.92 4.15 4.16 3.76 3.71 3.20 3.37 3.00 - 2.39
Net Debt to EBITDA		 1.88 2.28 2.08 2.23 -1.20 0.54 1.55 1.85 -4.17 - 0.62
Long-Term Debt to EBITDA		 4.56 4.85 4.10 4.04 3.68 3.60 3.16 3.31 2.89 - 2.18
Debt to NOPAT		 6.14 6.54 5.74 5.73 5.22 5.08 4.21 4.45 3.93 - 3.14
Net Debt to NOPAT		 2.45 3.03 2.87 3.07 -1.67 0.75 2.04 2.45 -5.46 - 0.81
Long-Term Debt to NOPAT		 5.96 6.45 5.67 5.57 5.11 4.93 4.16 4.37 3.79 - 2.87
Noncontrolling Interest Sharing Ratio		 0.00% -0.14% 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)		 -244 -71 212 272 50 50 38 12 10 - 6.97
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 33,787.95% 0.00% 0.00% 0.00% - 0.00%
Free Cash Flow to Firm to Interest Expense		 -5.62 -1.47 4.49 5.56 0.93 0.97 0.81 0.27 0.21 - 0.16
Operating Cash Flow to Interest Expense		 0.50 0.58 0.25 -0.07 0.73 0.54 0.33 0.50 0.66 - 0.51
Operating Cash Flow Less CapEx to Interest Expense		 0.51 0.59 0.30 -0.07 0.73 0.54 0.34 0.51 0.66 - 0.52
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.04
Fixed Asset Turnover		 6.05 5.80 5.84 5.84 5.95 6.10 6.28 6.51 6.84 - 7.32
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,291 1,304 1,247 1,265 1,259 1,273 1,232 1,273 1,275 - 1,252
Invested Capital Turnover		 0.27 0.24 0.22 0.21 0.23 0.23 0.24 0.24 0.25 - 0.27
Increase / (Decrease) in Invested Capital		 262 87 -191 -253 -31 -32 -15 7.59 15 - 20
Enterprise Value (EV)		 685 838 806 883 699 908 982 1,063 390 - 1,040
Market Capitalization		 492 623 604 663 821 851 822 868 865 - 962
Book Value per Share		 $27.39 $28.44 $28.82 $29.18 $30.07 $30.55 $31.15 $31.74 $32.40 - $33.90
Tangible Book Value per Share		 $21.06 $22.12 $22.57 $22.92 $23.80 $24.22 $24.82 $25.39 $26.04 - $27.38
Total Capital		 1,291 1,304 1,247 1,265 1,259 1,273 1,232 1,273 1,275 - 1,252
Total Debt		 483 465 404 411 382 385 328 356 342 - 300
Total Long-Term Debt		 469 459 399 399 374 374 324 350 330 - 274
Net Debt		 193 215 202 220 -122 57 159 195 -475 - 78
Capital Expenditures (CapEx)		 -0.34 -0.85 -2.44 -0.01 -0.01 0.08 -0.08 -0.22 -0.12 - -0.01
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 483 465 404 411 382 385 328 356 342 - 300
Total Depreciation and Amortization (D&A)		 1.25 1.53 4.91 1.23 2.04 0.39 1.70 1.59 1.96 - 1.22
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.58 $0.55 $0.69 $0.62 $0.64 $0.65 $0.77 $0.69 $0.89 $0.81 $0.97
Adjusted Weighted Average Basic Shares Outstanding		 29.51M 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M
Adjusted Diluted Earnings per Share		 $0.58 $0.55 $0.69 $0.62 $0.63 $0.64 $0.77 $0.69 $0.89 $0.78 $0.96
Adjusted Weighted Average Diluted Shares Outstanding		 29.51M 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M
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		 29.51M 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M
Normalized Net Operating Profit after Tax (NOPAT)		 17 16 20 18 19 19 22 20 26 - 27
Normalized NOPAT Margin		 23.54% 22.77% 26.35% 25.15% 25.33% 24.66% 28.28% 24.65% 30.80% - 31.37%
Pre Tax Income Margin		 29.43% 28.58% 33.16% 31.37% 31.88% 30.94% 34.80% 30.87% 38.51% - 38.28%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.49 0.42 0.54 0.46 0.44 0.46 0.59 0.54 0.66 - 0.78
NOPAT to Interest Expense		 0.39 0.34 0.43 0.37 0.35 0.36 0.48 0.43 0.53 - 0.63
EBIT Less CapEx to Interest Expense		 0.50 0.44 0.59 0.46 0.44 0.46 0.59 0.55 0.67 - 0.78
NOPAT Less CapEx to Interest Expense		 0.40 0.35 0.48 0.37 0.35 0.36 0.48 0.44 0.53 - 0.63
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.71% 35.23% 35.65% 34.94% 34.22% 32.72% 32.18% 31.40% 29.09% - 26.67%
Augmented Payout Ratio		 31.71% 35.88% 45.52% 50.26% 54.93% 57.58% 56.47% 56.19% 55.99% - 68.55%

Financials Breakdown Chart

Key Financial Trends

Here are key takeaways from Univest Financial Corp (UVSP) based on the latest quarter (Q4 2025) and four-year trends across the income statement, cash flow statement, and balance sheet.

  • Net income and earnings per share: Net income attributable to common shareholders in Q4 2025 was 22,745,000, with basic earnings per share of 0.81 and diluted 0.78. This reflects continued profitability at the individual-quarter level, supported by solid topline results.
  • Net interest income rising modestly: Net interest income totaled 62,549,000 in Q4 2025, up from 61,324,000 in Q3 2025, as total interest income was 111,716,000 and total interest expense was 49,167,000.
  • Total revenue strength: Total revenue for Q4 2025 was 84,571,000, with non-interest income of 22,022,000 and interest income backing the top line, indicating a diversified revenue mix.
  • Stable capital base: Total Common Equity sits around 933,219,000 (Q3 2025 balance sheet), suggesting a solid capital base to support ongoing operations and potential growth. The deposits base remained robust, with deposits around 7.22B in the same period.
  • Asset base growth over four years: Total assets rose to about 8.57B by Q3 2025, reflecting a multi-year expansion in the balance sheet as the company grows its loan and investment portfolios.
  • Credit loss provisioning: Provision for credit losses in Q4 2025 was 3,145,000, a modest level that indicates ongoing credit risk management, though it adds to non-interest expense.
  • Cash flow: cash burn in the quarter: Net decrease in cash and cash equivalents was 263,027,000 in Q4 2025, contributing to a negative net change in cash for the quarter and signaling liquidity headwinds from investing/financing activity.
  • Investing cash outflows: Net cash from investing activities was -124,544,000 in Q4 2025, driven by notable investments purchases, which reduced cash despite ongoing earnings power.
  • Financing cash outflows: Net cash from financing activities was -169,153,000 in Q4 2025, due to debt repayments, share activity, and dividends, further pressuring near-term cash position.
  • Operating costs rising: Total non-interest expense increased to 52,710,000 in Q4 2025, indicating rising operating costs that could pressure net margins if revenue growth doesn’t keep pace.
05/18/26 07:23 PM ETAI Generated. May Contain Errors.

Univest Corporation of Pennsylvania Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Univest Corporation of Pennsylvania's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Univest Corporation of Pennsylvania's net income appears to be on an upward trend, with a most recent value of $90.76 million in 2025, rising from $27.27 million in 2015. The previous period was $75.93 million in 2024. View Univest Corporation of Pennsylvania's forecast to see where analysts expect Univest Corporation of Pennsylvania to go next.

Over the last 10 years, Univest Corporation of Pennsylvania's total revenue changed from $146.34 million in 2015 to $328.06 million in 2025, a change of 124.2%.

Univest Corporation of Pennsylvania's total liabilities were at $7.49 billion at the end of 2025, a 3.5% increase from 2024, and a 197.6% increase since 2015.

In the past 10 years, Univest Corporation of Pennsylvania's cash and equivalents has ranged from $32.36 million in 2015 to $84.18 million in 2022, and is currently $63.58 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:UVSP last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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