UNIVEST FINANCIAL Corp
UVSP Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$42.40
KIRA · Stoqly’s AI analyst, in plain words
- UNIVEST FINANCIAL Corp had $328M of revenue in fiscal 2025, up 9.6% on the year before.
- UNIVEST FINANCIAL Corp made $90.8M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 15.7% a year.
- UNIVEST FINANCIAL Corp returned $60.0M to shareholders in fiscal 2025, 62% of free cash flow. The diluted share count fell 1.4%.
- It earned 9.9% on shareholders’ money. Running costs took 61.9% of revenue (the efficiency ratio; lower is better).
Market cap
$1.2B
P/E
12.3x
Revenue
$328M
Net income
$90.8M
Return on equity
9.9%
Efficiency ratio
61.9%
UNIVEST FINANCIAL Corp in 30 seconds · fiscal 2025
Are sales growing?
+9.6%
Yes. Sales grew 9.6% last year.
Does it make a profit?
27.7%
Yes. It keeps 27.7% of every sale as profit.
How lean are its costs?
61.9%
Average. Running costs take 61.9% of revenue.
How much does it earn on its capital?
9.9%
Fair. It earns 9.9% a year on shareholders’ money.
How is the share priced?
12.3x
One share costs 12.3 times its yearly profit per share.
What UNIVEST FINANCIAL Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 23, 2026
- Legal name
- UNIVEST FINANCIAL Corp
- CIK
- 0000102212
UNIVEST FINANCIAL Corp · UVSP
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $0.0M | $296M | $297M | $299M | $328M |
| Revenue growth | — | — | 0.2% | 0.8% | 9.6% |
| Net interest income | $188M | $218M | $220M | $211M | $240M |
| Net income | $91.8M | $78.1M | $71.1M | $75.9M | $90.8M |
| Net margin | — | 26.4% | 24.0% | 25.4% | 27.7% |
| Diluted EPS | $3.11 | $2.64 | $2.41 | $2.58 | $3.13 |
| Cash | |||||
| Cash from operations | $102M | $109M | $89.7M | $75.1M | $102M |
| Capital expenditure | $5.9M | $5.2M | $6.7M | $3.1M | $4.6M |
| Free cash flow | $96.5M | $104M | $83.0M | $72.0M | $96.9M |
| FCF margin | — | 35.2% | 28.0% | 24.1% | 29.5% |
| Dividends paid | $23.6M | $24.6M | $25.1M | $24.8M | $25.3M |
| Share buybacks | $0.3M | $11.4M | $0.5M | $18.9M | $34.6M |
| Share count change | 1.0% | −0.0% | −0.1% | −0.4% | −1.4% |
| Debt and strength | |||||
| Cash and short-term investments | $890M | $153M | $250M | $329M | $554M |
| Debt incl. finance leases | $20.1M | $197M | $6.3M | $11.2M | $24.4M |
| Loans, net | $5.2B | $6.0B | $6.5B | $6.7B | $6.8B |
| Deposits | $6.1B | $5.9B | $6.4B | $6.8B | $7.1B |
| Shareholders' equity | $774M | $777M | $839M | $887M | $943M |
| Returns and quality | |||||
| Return on equity | 12.5% | 10.1% | 8.8% | 8.8% | 9.9% |
| Return on tangible equity | 15.7% | 13.2% | 10.9% | 10.8% | 11.9% |
| Efficiency ratio | — | 63.1% | 66.5% | 66.2% | 61.9% |
| Piotroski F-score | 5 | 5 | 5 | 4 | 6 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$2.9M
7 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
UNIVEST FINANCIAL Corp · UVSP
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $42.40 a share, the company is worth $1.2B: 12.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000102212). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.