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MARKETS / NASDAQ / UVSP
NASDAQ · STATE COMMERCIAL BANKS · LARGE CAP

Univest Financial Corp. UVSP

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$328.1M
▲ 9.6% YoY
$90.8M
▲ 19.5% YoY
$96.9M
▲ 34.6% YoY
In brief

What this company does

Univest Financial Corporation provides banking and financial services to customers in 19 counties in the Southeastern, Central and Western regions of Pennsylvania, three counties in New Jersey and five counties in Maryland. At December 31, 2025, the Corporation had total assets of $8.4 billion, net loans and leases of $6.8 billion, total deposits of $7.1 billion and total shareholders' equity of $943.3 million. The company is organized into three segments — banking, wealth management and insurance — with approximately 68% of its employees in the banking segment, 8% in wealth management, 10% in insurance and the remaining 14% in shared support functions. The Bank is the parent company of Girard Investment Services, LLC, a registered introducing broker-dealer and licensed insurance agency, Girard Advisory Services, LLC, a registered investment advisory firm, and Girard Pension Services, LLC, a registered investment advisor that provides investment consulting and management services to municipal entities. The Bank is also the parent company of Univest Capital, Inc., an equipment financing business headquartered in Warminster, Pennsylvania, and Univest Insurance, LLC, an independent insurance agency headquartered in Lansdale, Pennsylvania. The Corporation is a Pennsylvania corporation, organized in 1973, and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956.

Written from the business description in UNIVEST FINANCIAL CORPORATION's annual report to the U.S. Securities and Exchange Commission, filed 23 February 2026. Every sentence was checked against that document before publication.

Growth
USD 328.1M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 328.1 · Net income 90.8
200M200920112013201520172019202120232025
Compound annual growth
+3.5%
+5.1%
+14.1%
+12.8%
+12.4%
+5.8%
+14.4%
+8.5%
+8.3%
+1.6%
+7.7%
+0.8%
+0.6%
+18.4%
+22.1%
+7.5%
+10.3%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
28 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 34.6% · Net 27.7%
10%20%30%200920112013201520172019202120232025
ROE
FY2025 · ROE 9.9%
5%10%200920112013201520172019202120232025

Each USD of equity produced 10 cents of profit this year.

Cash & shareholders
USD 58.5M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 96.9
40M80M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends 25.3 · Net buybacks 33.2
20M40M-20M-40MDividendsNet buybacks200920112013201520172019202120232025

USD 25.3M in dividends and USD 33.2M in buybacks — 64% of the year's profit went back to shareholders.

Total assetsUSD 8.4B
EquityUSD 943.3M
CashUSD 553.7M
Gross debtUSD 24.4M
Net debtUSD -529.3M
DepositsUSD 7.1B

The company holds more cash than debt.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.30.30.30.30.00.00.00.00.00.00.00.00.0····
Operating income $B0.10.10.10.10.10.10.1··········
EBITDA $B·················
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.10.10.10.10.10.00.10.10.00.00.00.00.00.00.00.00.0
Free cash flow $B0.10.10.10.10.10.00.10.10.10.00.00.00.00.00.00.00.0
EPS, diluted $3.132.582.412.643.111.602.241.721.640.841.391.371.281.241.130.950.75
Dividend / sh $0.870.840.840.830.800.600.800.800.800.800.800.800.800.800.800.800.80
Payout %28333531263736464887555847807184103
ROE %9.98.88.810.112.56.910.18.28.04.58.47.97.57.57.05.94.0
Shares out B0.030.030.030.030.030.030.030.030.030.030.020.020.020.020.020.02·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityState Commercial Banks
Listed onNASDAQ
Incorporated inPennsylvania
Fiscal year endsDecember 31
Data on record since2009

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