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.

Ticker: UVSP
Exchange: Nasdaq
Sector: Financial Services
Industry: Banks - Regional
Market cap: $1.11B
52-week range: $28.20 - $45.46

Valuation

Share price: $40.47 (close of Nov 6, 2026)
P/E (TTM): 11.94x
Price to book: 1.16x
Price to free cash flow: 9.23x
Enterprise value: $731.20M
Book value per share: $34.76

Price performance

Period	Change
1 day	+0.42%
5 days	+2.20%
1 month	-2.18%
3 months	-7.52%
6 months	+4.41%
Year to date	+23.61%
1 year	+37.51%
3 years	+125.21%
5 years	+32.56%
10 years	+74.06%
All time	+122.87%

Short interest

As of: Oct 15, 2026
Short % of float: 4.02%
Shares short: 1.07M
Days to cover: 5.54
Change since prior report: +7.90%
Source: FINRA consolidated short interest

Profitability and growth

Return on equity: 9.62%
Return on assets: 1.08%
Net margin: 27.67%
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): 10.83%
Net debt to EBITDA: -1.26x

Latest reported year

Period end: Dec 31, 2025
Fiscal year: 2025
Revenue: $328.06M
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	$271.61M	$91.80M	$3.12
2020-12-31	$252.69M	$46.92M	$1.60
2019-12-31	$234.65M	$65.72M	$2.24
2018-12-31	$218.24M	$50.54M	$1.72
2017-12-31	$202.42M	$44.09M	$1.64
2016-12-31	$170.19M	$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	33.80%	11.86%
2020-12-31	18.57%	6.78%
2019-12-31	28.01%	9.73%
2018-12-31	23.16%	8.10%
2017-12-31	21.78%	7.31%
2016-12-31	11.46%	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: Aug 5, 2026
Paid in the last twelve months: $0.68

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

Past earnings dates

Reported	Fiscal period	EPS estimate
2026-10-28	Sep 2026	$0.98
2026-07-22	Jun 2026	$0.86
2026-04-22	Mar 2026	$0.84
2026-01-28	Dec 2025	$0.78
2025-10-22	Sep 2025	-
2025-07-23	Jun 2025	-
2025-04-23	Mar 2025	$0.64
2025-01-22	Dec 2024	$0.61

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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