Univest Financial Corp (UVSP)
Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking; Wealth Management; and Insurance. The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing. The Wealth Management segment provides investment advisory, financial planning and trust, and brokerage services for private families and individuals, municipal pension plans, retirement plans, trusts, and guardianships. The Insurance segment offers full-service insurance brokerage agency comprising commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting services. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.
- Symbol
- UVSP
- Exchange
- Nasdaq
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $1.15B
- 52 week range
- 28.04 - 45.46
Valuation
- Share price
- $41.41 (close of 2026-09-23)
- P/E (TTM)
- 11.95x
- Price to book
- 1.21x
- Price to free cash flow
- 10.91x
- Enterprise value
- $1.21B
- Book value per share
- $34.59
Price performance
| Period | Change |
|---|
| 1 day | -1.76% |
| 5 days | -3.11% |
| 1 month | -0.50% |
| 3 months | -3.45% |
| 6 months | +22.55% |
| Year to date | +26.48% |
| 1 year | +34.40% |
| 3 years | +142.73% |
| 5 years | +54.46% |
| 10 years | +76.06% |
| All time | +128.03% |
Profitability and growth
- Return on equity
- 9.62%
- Return on assets
- 1.08%
- Net margin
- 27.67%
- EBITDA margin
- 92.56%
- Revenue growth
- 9.64%
- Net income growth
- 19.53%
- Free cash flow growth
- 34.62%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 9.17%
- Net debt to EBITDA
- 0.18x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $328.06M
- EBITDA
- $303.64M
- Net income
- $90.76M
- Earnings per share
- $3.16
- Interest expense
- $190.29M
- Shares outstanding
- 28.98M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|
| 2025-12-31 | $328.06M | $90.76M | $3.16 |
| 2024-12-31 | $299.23M | $75.93M | $2.60 |
| 2023-12-31 | $296.82M | $71.10M | $2.42 |
| 2022-12-31 | $296.18M | $78.12M | $2.66 |
| 2021-12-31 | - | $91.80M | $3.12 |
| 2020-12-31 | - | $46.92M | $1.60 |
| 2019-12-31 | - | $65.72M | $2.24 |
| 2018-12-31 | - | $50.54M | $1.72 |
| 2017-12-31 | - | $44.09M | $1.64 |
| 2016-12-31 | - | $19.50M | $0.85 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | 27.67% | 9.62% |
| 2024-12-31 | 25.38% | 8.56% |
| 2023-12-31 | 23.96% | 8.47% |
| 2022-12-31 | 26.38% | 10.06% |
| 2021-12-31 | - | 11.86% |
| 2020-12-31 | - | 6.78% |
| 2019-12-31 | - | 9.73% |
| 2018-12-31 | - | 8.10% |
| 2017-12-31 | - | 7.31% |
| 2016-12-31 | - | 3.86% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 2025-12-31 | $553.71M | - |
| 2024-12-31 | $328.84M | - |
| 2023-12-31 | $249.80M | - |
| 2022-12-31 | $152.80M | - |
| 2021-12-31 | $890.15M | - |
| 2020-12-31 | $219.86M | - |
| 2019-12-31 | $125.13M | $150.10M |
| 2018-12-31 | $109.42M | $145.33M |
| 2017-12-31 | $75.41M | $155.83M |
| 2016-12-31 | $57.83M | $127.52M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $96.93M | $4.69M |
| 2024-12-31 | $72.00M | $4.62M |
| 2023-12-31 | $83.02M | $4.19M |
| 2022-12-31 | $104.23M | $4.12M |
| 2021-12-31 | $96.46M | $3.70M |
| 2020-12-31 | $47.43M | $1.48M |
| 2019-12-31 | $69.29M | $2.35M |
| 2018-12-31 | $81.72M | $2.56M |
| 2017-12-31 | $64.70M | $3.17M |
| 2016-12-31 | $20.66M | $2.08M |
Dividend history
- Most recent payment
- 2026-08-05
- Paid in the last twelve months
- $0.90
| Payment date | Dividend per share |
|---|
| 2026-08-05 | $0.23 |
| 2026-05-06 | $0.23 |
| 2026-02-11 | $0.22 |
| 2025-11-05 | $0.22 |
| 2025-08-06 | $0.22 |
| 2025-05-07 | $0.22 |
| 2025-02-05 | $0.21 |
| 2024-11-06 | $0.21 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-28
- Consensus EPS estimate
- $0.95
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-22 | Jun/2026 | $0.86 |
| 2026-04-22 | - | - |
| 2026-01-28 | - | - |
| 2025-10-22 | - | - |
| 2025-07-23 | - | - |
| 2025-04-23 | - | - |
| 2025-01-22 | - | - |
| 2024-10-23 | - | - |
Filings and sources
- Company website
- univest.net
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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