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Univest Corporation of Pennsylvania (UVSP) Financials

Univest Corporation of Pennsylvania logo
$42.67 +0.10 (+0.23%)
Closing price 09/11/2026 04:00 PM Eastern
Extended Trading
$42.66 -0.02 (-0.04%)
As of 09/11/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 16 20 18 19 19 22 20 26 23 27 23
Consolidated Net Income / (Loss)		 16 20 18 19 19 22 20 26 23 27 23
Net Income / (Loss) Continuing Operations		 16 20 18 19 19 22 20 26 23 27 23
Total Pre-Tax Income 		20 26 23 23 24 28 25 32 29 33 29
Total Revenue		 71 77 72 73 77 79 81 83 85 87 84
Net Interest Income / (Expense)		 53 51 51 53 55 57 60 61 63 63 66
Total Interest Income		 101 99 100 106 107 103 106 110 112 106 108
Loans and Leases Interest Income		 93 93 94 98 98 97 100 101 100 99 102
Investment Securities Interest Income		 3.69 3.66 3.75 3.71 3.82 4.02 3.96 3.92 4.02 4.05 4.20
Deposits and Money Market Investments Interest Income		 3.80 1.61 1.11 3.62 4.85 1.36 1.37 4.36 6.81 2.81 1.12
Other Interest Income		 0.77 0.72 0.70 0.74 0.75 0.69 0.67 0.74 0.75 0.70 0.63
Total Interest Expense		 48 47 49 53 52 47 46 48 49 43 42
Deposits Interest Expense		 43 42 44 48 47 42 42 44 45 39 39
Short-Term Borrowings Interest Expense		 0.00 0.01 0.24 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.03
Long-Term Debt Interest Expense		 5.31 5.16 5.06 5.06 4.78 4.64 4.41 4.71 4.50 3.84 3.08
Total Non-Interest Income		 19 26 21 20 21 22 22 22 22 24 18
Other Service Charges		 17 24 5.91 18 30 20 20 19 33 22 20
Net Realized & Unrealized Capital Gains on Investments		 0.81 0.94 1.71 1.31 1.32 0.65 0.98 0.85 0.89 0.79 -3.89
Other Non-Interest Income		 0.82 0.84 13 0.92 -10 1.96 1.01 1.91 -12 1.33 1.70
Provision for Credit Losses		 1.93 1.43 0.71 1.41 2.38 2.31 5.69 0.52 3.15 1.30 2.67
Total Non-Interest Expense		 49 50 49 49 51 49 50 51 53 53 53
Salaries and Employee Benefits		 29 31 30 31 32 31 32 32 33 33 33
Net Occupancy & Equipment Expense		 8.26 8.48 7.93 7.98 8.04 8.34 8.19 8.01 8.32 8.56 8.69
Marketing Expense		 0.63 0.42 0.72 0.49 0.55 0.35 0.50 0.32 0.48 0.63 0.99
Property & Liability Insurance Claims		 1.35 1.14 1.10 1.10 1.10 1.15 1.07 1.20 1.11 1.17 1.12
Other Operating Expenses		 9.29 8.71 8.78 8.28 9.44 8.66 9.03 9.49 9.79 8.42 9.12
Restructuring Charge		 - - - - - 0.00 0.00 - - 0.43 0.00
Income Tax Expense		 4.15 5.25 4.49 4.81 4.82 5.16 5.04 6.42 5.97 6.39 5.61
Basic Earnings per Share		 $0.55 $0.69 $0.62 $0.64 $0.65 $0.77 $0.69 $0.89 $0.81 $0.97 $0.83
Weighted Average Basic Shares Outstanding		 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M 27.58M
Diluted Earnings per Share		 $0.55 $0.69 $0.62 $0.63 $0.64 $0.77 $0.69 $0.89 $0.78 $0.96 $0.82
Weighted Average Diluted Shares Outstanding		 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M 27.58M
Weighted Average Basic & Diluted Shares Outstanding		 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M 27.58M

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -41 -48 -11 314 -176 -160 -8.77 656 -263 -331 -27
Net Cash From Operating Activities		 28 12 -3.41 39 28 16 23 32 31 22 24
Net Cash From Continuing Operating Activities		 28 12 -3.41 39 28 16 23 32 31 22 24
Net Income / (Loss) Continuing Operations		 16 20 18 19 19 22 20 26 23 27 23
Consolidated Net Income / (Loss)		 16 20 18 19 19 22 20 26 23 27 23
Provision For Loan Losses		 1.93 1.43 0.71 1.41 2.38 2.31 5.69 0.52 3.15 1.30 2.67
Depreciation Expense		 1.31 1.34 1.38 1.38 1.38 1.35 1.38 1.40 1.38 1.36 1.47
Amortization Expense		 0.23 3.56 -0.14 0.66 -0.99 0.35 0.21 0.57 0.35 -0.14 -0.15
Non-Cash Adjustments to Reconcile Net Income		 -1.29 -1.81 -15 12 -1.80 2.36 -5.47 9.39 -10 4.47 0.27
Changes in Operating Assets and Liabilities, net		 9.44 -13 -8.43 5.33 8.14 -13 1.46 -5.53 13 -12 -3.24
Net Cash From Investing Activities		 19 -14 -95 -46 -104 -3.10 27 17 -125 -37 -92
Net Cash From Continuing Investing Activities		 19 -14 -95 -46 -104 -3.10 27 17 -125 -37 -92
Purchase of Investment Securities		 -480 -17 -18 -16 -288 -11 -15 -21 -117 -29 -24
Sale and/or Maturity of Investments		 17 13 30 16 18 19 18 23 21 23 48
Other Investing Activities, net		 - -13 -107 -46 - -10 25 14 - -31 -115
Net Cash From Financing Activities		 -88 -45 87 321 -99 -172 -59 608 -169 -316 41
Net Cash From Continuing Financing Activities		 -88 -45 87 321 -99 -172 -59 608 -169 -316 41
Net Change in Deposits		 -63 30 90 359 -95 -101 -76 635 -131 -274 119
Issuance of Debt		 -8.37 -1.49 6.97 -3.53 2.93 -7.15 52 5.68 62 27 -1.75
Repayment of Debt		 -10 -60 - -25 - -50 -25 -20 -81 -50 -56
Repurchase of Common Equity		 -0.46 -6.48 -4.04 -4.19 -4.18 -6.54 -4.90 -7.77 -15 -12 -17
Payment of Dividends		 -8.18 -5.56 -5.80 -5.54 -7.95 -5.83 -5.78 -5.74 -7.99 -5.95 -5.80
Other Financing Activities, Net		 0.00 -1.32 0.20 0.50 2.30 -1.93 0.04 -0.01 1.11 -1.66 1.33
Cash Interest Paid		 46 45 47 49 51 50 49 50 52 43 44

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 7,359 7,600 7,828 7,747 7,855 8,206 7,975 7,939 8,574 8,142 8,203
Cash and Due from Banks		 71 81 69 49 67 78 73 77 71 70 79
Interest Bearing Deposits at Other Banks		 67 60 221 152 124 426 96 84 746 153 116
Trading Account Securities		 528 543 505 511 514 511 510 514 503 516 511
Loans and Leases, Net of Allowance		 6,160 6,380 6,491 6,493 6,599 6,645 -88 -87 6,699 6,851 6,952
Loans and Leases		 6,240 6,462 6,575 6,579 6,685 6,731 - - 6,785 6,940 7,042
Allowance for Loan and Lease Losses		 80 83 84 86 86 86 88 87 87 89 90
Premises and Equipment, Net		 52 52 51 49 48 47 47 47 46 45 44
Goodwill		 176 176 176 176 176 176 176 176 176 176 176
Intangible Assets		 11 11 11 7.47 7.70 7.16 8.06 7.97 7.54 7.58 7.85
Other Assets		 294 299 304 309 320 315 7,153 7,121 325 324 317
Total Liabilities & Shareholders' Equity		 7,359 7,600 7,828 7,747 7,855 8,206 7,975 7,939 8,574 8,142 8,203
Total Liabilities		 6,560 6,795 7,021 6,903 7,001 7,329 7,072 7,022 7,640 7,190 7,249
Non-Interest Bearing Deposits		 1,799 1,583 1,433 1,402 1,397 1,324 1,434 1,461 1,391 1,476 1,464
Interest Bearing Deposits		 4,035 4,405 5,007 5,004 5,098 5,530 5,225 5,121 5,828 5,338 5,469
Short-Term Debt		 272 245 15 4.82 12 8.26 4.03 6.27 12 26 19
Other Short-Term Payables		 - 61 64 60 62 60 55 54 51 48 46
Long-Term Debt		 368 469 469 399 399 374 324 350 330 274 224
Other Long-Term Liabilities		 86 33 34 34 33 32 30 30 29 28 27
Total Equity & Noncontrolling Interests		 798 805 807 844 854 877 903 917 933 952 954
Total Preferred & Common Equity		 798 805 807 844 854 877 903 917 933 952 954
Total Common Equity		 798 805 807 844 854 877 903 917 933 952 954
Common Stock		 456 457 458 457 458 459 458 459 460 459 460
Retained Earnings		 443 454 465 489 500 513 542 555 575 612 628
Treasury Stock		 -45 -45 -44 -47 -50 -53 -59 -63 -70 -93 -108
Accumulated Other Comprehensive Income / (Loss)		 -56 -61 -72 -55 -54 -42 -38 -35 -32 -26 -27

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 28,083,533.00 27,845,802.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 28,083,533.00 27,845,802.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.96 0.82
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -13.35% -2.45% -2.91% 1.48% 7.60% 2.77% 12.55% 13.49% - 10.43% 4.09%
EBITDA Growth		 -27.47% 10.22% 6.35% 12.91% 10.08% -3.96% 11.69% 33.79% - 18.62% 12.27%
EBIT Growth		 -31.15% -2.01% 7.91% 9.96% 16.47% 7.83% 10.73% 37.08% - 21.50% 14.16%
NOPAT Growth		 -31.81% -3.47% 7.78% 9.18% 16.53% 10.29% 10.33% 38.01% - 20.97% 14.89%
Net Income Growth		 -31.81% -3.47% 7.78% 9.18% 16.53% 10.29% 10.33% 38.01% - 20.97% 14.89%
EPS Growth		 -31.25% -2.82% 8.77% 8.62% 16.36% 11.59% 11.29% 41.27% - 24.68% 18.84%
Operating Cash Flow Growth		 7.30% -44.22% -117.65% 78.43% 0.61% 34.88% 781.76% -17.79% - 41.86% 3.05%
Free Cash Flow Firm Growth		 65.36% 149.12% 160.89% 120.30% 170.97% -82.11% -95.44% -79.17% - -81.61% 694.02%
Invested Capital Growth		 7.18% -13.30% -16.69% -2.41% -2.42% -1.24% 0.60% 1.22% - 1.63% -5.93%
Revenue Q/Q Growth		 -1.25% 7.96% -6.56% 1.87% 4.70% 3.12% 2.33% 2.72% - 3.41% -3.54%
EBITDA Q/Q Growth		 -2.60% 41.11% -21.79% 6.74% -5.04% 21.14% -9.04% 27.86% - 13.97% -13.91%
EBIT Q/Q Growth		 -4.07% 25.26% -11.60% 3.52% 1.61% 15.96% -9.22% 28.16% - 16.59% -14.70%
NOPAT Q/Q Growth		 -4.48% 24.92% -10.82% 2.60% 1.95% 18.24% -10.79% 28.34% - 19.11% -15.28%
Net Income Q/Q Growth		 -4.48% 24.92% -10.82% 2.60% 1.95% 18.24% -10.79% 28.34% - 19.11% -15.28%
EPS Q/Q Growth		 -5.17% 25.45% -10.14% 1.61% 1.59% 20.31% -10.39% 28.99% - 23.08% -14.58%
Operating Cash Flow Q/Q Growth		 27.84% -58.50% -129.49% 1,240.57% -27.92% -44.36% 49.04% 37.54% - -27.83% 8.27%
Free Cash Flow Firm Q/Q Growth		 70.91% 397.66% 28.29% -81.73% 1.71% -24.96% -67.28% -16.60% - -75.89% 1,312.30%
Invested Capital Q/Q Growth		 1.07% -4.36% 1.41% -0.43% 1.05% -3.21% 3.30% 0.18% - -1.15% -4.39%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.73% 39.53% 33.09% 34.67% 31.44% 36.94% 32.83% 40.87% - 39.68% 35.42%
EBIT Margin		 28.58% 33.16% 31.37% 31.88% 30.94% 34.80% 30.87% 38.51% - 38.28% 33.85%
Profit (Net Income) Margin		 22.77% 26.35% 25.15% 25.33% 24.66% 28.28% 24.65% 30.80% - 30.98% 27.21%
Tax Burden Percent		 79.66% 79.45% 80.15% 79.43% 79.70% 81.27% 79.86% 79.97% - 80.92% 80.37%
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		 20.34% 20.55% 19.85% 20.57% 20.30% 18.73% 20.14% 20.03% - 19.08% 19.63%
Return on Invested Capital (ROIC)		 5.36% 5.79% 5.29% 5.84% 5.73% 6.87% 6.03% 7.78% - 8.39% 7.48%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.36% 5.79% 5.29% 5.84% 5.73% 6.87% 6.03% 7.78% - 8.39% 7.48%
Return on Net Nonoperating Assets (RNNOA)		 3.00% 3.68% 3.58% 3.00% 2.82% 2.88% 2.61% 3.11% - 2.84% 2.39%
Return on Equity (ROE)		 8.37% 9.46% 8.87% 8.84% 8.55% 9.76% 8.64% 10.90% - 11.23% 9.88%
Cash Return on Invested Capital (CROIC)		 -1.29% 19.49% 23.36% 8.18% 8.34% 7.54% 5.70% 5.65% - 6.07% 14.08%
Operating Return on Assets (OROA)		 1.13% 1.29% 1.19% 1.17% 1.16% 1.33% 1.21% 1.47% - 1.60% 1.42%
Return on Assets (ROA)		 0.90% 1.03% 0.95% 0.93% 0.93% 1.08% 0.97% 1.18% - 1.29% 1.15%
Return on Common Equity (ROCE)		 8.38% 9.46% 8.87% 8.84% 8.55% 9.76% 8.64% 10.90% - 11.23% 9.88%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.34% 8.39% 8.35% 0.00% 8.64% 8.71% 9.32% - 10.03% 10.31%
Net Operating Profit after Tax (NOPAT)		 16 20 18 19 19 22 20 26 - 27 23
NOPAT Margin		 22.77% 26.35% 25.15% 25.33% 24.66% 28.28% 24.65% 30.80% - 30.98% 27.21%
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		 53.54% 52.21% 53.93% 53.41% 52.23% 49.90% 49.63% 48.04% - 48.77% 50.84%
Operating Expenses to Revenue		 68.71% 64.98% 67.64% 66.19% 65.96% 62.29% 62.11% 60.87% - 60.23% 62.98%
Earnings before Interest and Taxes (EBIT)		 20 26 23 23 24 28 25 32 - 33 29
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 22 30 24 25 24 29 27 34 - 35 30
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.74 0.72 0.78 0.94 0.96 0.91 0.95 0.93 - 1.01 1.28
Price to Tangible Book Value (P/TBV)		 0.95 0.91 0.99 1.18 1.21 1.14 1.18 1.15 - 1.25 1.58
Price to Revenue (P/Rev)		 2.10 2.05 2.26 2.79 2.84 2.73 2.80 2.70 - 2.86 3.59
Price to Earnings (P/E)		 8.76 8.58 9.25 11.21 11.21 10.54 10.86 9.94 - 10.08 12.38
Dividend Yield		 3.98% 4.11% 3.71% 2.99% 2.87% 2.96% 2.83% 2.86% - 2.57% 2.03%
Earnings Yield		 11.41% 11.66% 10.82% 8.92% 8.92% 9.49% 9.21% 10.06% - 9.92% 8.08%
Enterprise Value to Invested Capital (EV/IC)		 0.64 0.65 0.70 0.55 0.71 0.80 0.84 0.31 - 0.83 1.06
Enterprise Value to Revenue (EV/Rev)		 2.82 2.73 3.02 2.38 3.03 3.26 3.42 1.22 - 3.09 3.73
Enterprise Value to EBITDA (EV/EBITDA)		 8.87 8.28 8.94 6.87 8.74 9.56 10.08 3.42 - 8.27 9.81
Enterprise Value to EBIT (EV/EBIT)		 9.45 9.14 9.83 7.60 9.53 10.09 10.66 3.59 - 8.72 10.31
Enterprise Value to NOPAT (EV/NOPAT)		 11.79 11.45 12.31 9.54 11.96 12.58 13.31 4.48 - 10.89 12.86
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.34 10.00 15.26 9.32 12.09 12.41 10.05 3.94 - 9.62 11.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 3.08 2.71 6.70 8.45 10.50 14.70 5.44 - 13.80 7.28
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.55 0.48 0.48 0.44 0.43 0.36 0.39 0.37 - 0.32 0.25
Long-Term Debt to Equity		 0.55 0.47 0.47 0.43 0.42 0.36 0.38 0.35 - 0.29 0.23
Financial Leverage		 0.56 0.64 0.68 0.51 0.49 0.42 0.43 0.40 - 0.34 0.32
Leverage Ratio		 9.29 9.20 9.31 9.52 9.21 9.00 8.92 9.27 - 8.69 8.63
Compound Leverage Factor		 9.29 9.20 9.31 9.52 9.21 9.00 8.92 9.27 - 8.69 8.63
Debt to Total Capital		 35.66% 32.36% 32.48% 30.36% 30.28% 26.66% 27.96% 26.79% - 23.97% 20.28%
Short-Term Debt to Total Capital		 0.48% 0.39% 0.93% 0.66% 0.88% 0.33% 0.49% 0.94% - 2.09% 1.57%
Long-Term Debt to Total Capital		 35.17% 31.98% 31.54% 29.71% 29.41% 26.33% 27.47% 25.86% - 21.88% 18.71%
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		 64.34% 67.64% 67.52% 69.64% 69.72% 73.34% 72.04% 73.21% - 76.03% 79.72%
Debt to EBITDA		 4.92 4.15 4.16 3.76 3.71 3.20 3.37 3.00 - 2.39 1.88
Net Debt to EBITDA		 2.28 2.08 2.23 -1.20 0.54 1.55 1.85 -4.17 - 0.62 0.37
Long-Term Debt to EBITDA		 4.85 4.10 4.04 3.68 3.60 3.16 3.31 2.89 - 2.18 1.74
Debt to NOPAT		 6.54 5.74 5.73 5.22 5.08 4.21 4.45 3.93 - 3.14 2.47
Net Debt to NOPAT		 3.03 2.87 3.07 -1.67 0.75 2.04 2.45 -5.46 - 0.81 0.48
Long-Term Debt to NOPAT		 6.45 5.67 5.57 5.11 4.93 4.16 4.37 3.79 - 2.87 2.28
Noncontrolling Interest Sharing Ratio		 -0.14% 0.00% 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)		 -71 212 272 50 50 38 12 10 - 6.97 98
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 33,787.95% 0.00% 0.00% 0.00% - 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -1.47 4.49 5.56 0.93 0.97 0.81 0.27 0.21 - 0.16 2.35
Operating Cash Flow to Interest Expense		 0.58 0.25 -0.07 0.73 0.54 0.33 0.50 0.66 - 0.51 0.57
Operating Cash Flow Less CapEx to Interest Expense		 0.59 0.30 -0.07 0.73 0.54 0.34 0.51 0.66 - 0.52 0.57
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		 5.80 5.84 5.84 5.95 6.10 6.28 6.51 6.84 - 7.32 7.42
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,304 1,247 1,265 1,259 1,273 1,232 1,273 1,275 - 1,252 1,197
Invested Capital Turnover		 0.24 0.22 0.21 0.23 0.23 0.24 0.24 0.25 - 0.27 0.28
Increase / (Decrease) in Invested Capital		 87 -191 -253 -31 -32 -15 7.59 15 - 20 -75
Enterprise Value (EV)		 838 806 883 699 908 982 1,063 390 - 1,040 1,266
Market Capitalization		 623 604 663 821 851 822 868 865 - 962 1,218
Book Value per Share		 $28.44 $28.82 $29.18 $30.07 $30.55 $31.15 $31.74 $32.40 - $33.90 $34.27
Tangible Book Value per Share		 $22.12 $22.57 $22.92 $23.80 $24.22 $24.82 $25.39 $26.04 - $27.38 $27.68
Total Capital		 1,304 1,247 1,265 1,259 1,273 1,232 1,273 1,275 - 1,252 1,197
Total Debt		 465 404 411 382 385 328 356 342 - 300 243
Total Long-Term Debt		 459 399 399 374 374 324 350 330 - 274 224
Net Debt		 215 202 220 -122 57 159 195 -475 - 78 47
Capital Expenditures (CapEx)		 -0.85 -2.44 -0.01 -0.01 0.08 -0.08 -0.22 -0.12 - -0.01 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Nonoperating Obligations (NNO)		 465 404 411 382 385 328 356 342 - 300 243
Total Depreciation and Amortization (D&A)		 1.53 4.91 1.23 2.04 0.39 1.70 1.59 1.96 - 1.22 1.32
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.55 $0.69 $0.62 $0.64 $0.65 $0.77 $0.69 $0.89 $0.81 $0.97 $0.83
Adjusted Weighted Average Basic Shares Outstanding		 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M 27.58M
Adjusted Diluted Earnings per Share		 $0.55 $0.69 $0.62 $0.63 $0.64 $0.77 $0.69 $0.89 $0.78 $0.96 $0.82
Adjusted Weighted Average Diluted Shares Outstanding		 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M 27.58M
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		 29.53M 29.27M 29.17M 29.04M 29.00M 28.88M 28.81M 28.48M 28.08M 27.85M 27.58M
Normalized Net Operating Profit after Tax (NOPAT)		 16 20 18 19 19 22 20 26 - 27 23
Normalized NOPAT Margin		 22.77% 26.35% 25.15% 25.33% 24.66% 28.28% 24.65% 30.80% - 31.37% 27.21%
Pre Tax Income Margin		 28.58% 33.16% 31.37% 31.88% 30.94% 34.80% 30.87% 38.51% - 38.28% 33.85%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.42 0.54 0.46 0.44 0.46 0.59 0.54 0.66 - 0.78 0.68
NOPAT to Interest Expense		 0.34 0.43 0.37 0.35 0.36 0.48 0.43 0.53 - 0.63 0.55
EBIT Less CapEx to Interest Expense		 0.44 0.59 0.46 0.44 0.46 0.59 0.55 0.67 - 0.78 0.68
NOPAT Less CapEx to Interest Expense		 0.35 0.48 0.37 0.35 0.36 0.48 0.44 0.53 - 0.63 0.55
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 35.23% 35.65% 34.94% 34.22% 32.72% 32.18% 31.40% 29.09% - 26.67% 25.89%
Augmented Payout Ratio		 35.88% 45.52% 50.26% 54.93% 57.58% 56.47% 56.19% 55.99% - 68.55% 78.43%

Financials Breakdown Chart

Key Financial Trends

Univest Corporation of Pennsylvania’s latest results show improving core banking performance, although quarterly earnings declined from the first quarter and cash flows remain volatile. For the second quarter of 2026, net income rose to $23.0 million from $20.0 million in the restated second quarter of 2025, while diluted earnings per share increased to $0.82 from $0.69. Across the available second-quarter observations, net income has increased from $13.2 million in 2022 to $23.0 million in 2026.

Revenue reached $84.4 million, up 4.1% year over year. Net interest income was the primary driver, rising 11.3% to $66.2 million. Loan interest income increased to $102.2 million, while total interest expense declined to $41.9 million from $46.2 million a year earlier. This suggests that lower funding costs and continued loan growth are supporting the bank’s core spread income.

However, the quarter was weaker sequentially. Net income fell from $27.1 million in Q1 2026, and diluted EPS declined from $0.96. Non-interest income dropped to $18.1 million from $24.1 million in Q1, primarily because the company recorded a $3.9 million net investment loss compared with a $0.8 million gain in the prior quarter. Operating expenses also increased modestly to $53.1 million from $52.7 million.

The balance sheet expanded during the latest quarter. Total assets rose to $8.20 billion from $8.14 billion in Q1 2026 and $7.94 billion in Q2 2025. Net loans increased 1.5% sequentially to $6.95 billion, while total deposits rose 3.5% from Q1 to $6.93 billion. Common equity reached $954.3 million, providing a larger capital base, although the data provided does not include regulatory capital ratios.

Cash generation was positive from operations at $24.0 million, but investing activities used $91.8 million and financing activities provided $40.8 million. The result was a $27.0 million decline in cash and equivalents. Financing inflows were supported by a $119.2 million increase in deposits, partly offset by $55.6 million of debt repayment, $16.6 million of share repurchases and $5.8 million of dividends.

  • Core earnings momentum remains favorable: Q2 2026 net income of $23.0 million was approximately 15% above the restated Q2 2025 result and substantially above the $13.2 million reported for Q2 2022.
  • Net interest income has strengthened: NII increased to $66.2 million from $59.5 million year over year and $51.5 million in Q2 2022.
  • Funding costs improved: Total interest expense declined 9.3% year over year despite higher interest-bearing deposits, helping expand the contribution from the bank’s lending operations.
  • Loan and deposit growth continued: Net loans rose to $6.95 billion and deposits reached $6.93 billion in Q2 2026, supporting future earning-asset growth.
  • Credit-loss provision declined: The provision for credit losses fell to $2.7 million from $5.7 million in Q2 2025, contributing to higher pre-tax income.
  • Shareholder returns continued: Univest repurchased $16.6 million of common stock and paid $5.8 million in dividends during the quarter. The Q1 2026 dividend was $0.22 per share, up from $0.21 in 2025.
  • Operating cash flow remained positive: Q2 operating cash flow was $24.0 million, but the figure has fluctuated considerably across recent quarters because of changes in operating assets and liabilities.
  • Investment activity is affecting cash balances: Investing cash outflows of $91.8 million, including $24.4 million of investment-security purchases and $115.3 million of other investing outflows, contributed to a $27.0 million quarterly cash decline.
  • Sequential earnings weakened: Net income and diluted EPS fell from $27.1 million and $0.96 in Q1 2026 to $23.0 million and $0.82 in Q2, respectively.
  • Non-interest income and liquidity require monitoring: Non-interest income declined year over year because of investment losses, while cash and due from banks plus interest-bearing deposits at other banks fell to approximately $195.3 million from $252.8 million at Q3 2025. The supplied Q2 2025 balance sheet also contains apparent classification or restatement anomalies, so some year-over-year balance-sheet comparisons should be treated cautiously.
09/12/26 05:14 AM 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. Find out what analysts predict for Univest Corporation of Pennsylvania in the coming months.

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 7/28/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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