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UVSP

Univest Financial Corporation

UVSP

Univest Financial Corporation • NASDAQ
$31.80 ▼ -0.50% (-0.16)
Market Cap $919.37 M
52w High $32.86
52w Low $22.83
Dividend Yield 0.87%
P/E 10.67
Volume 78.73K
Outstanding Shares 28.91M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $131.571M ▲ $50.669M ▲ $25.639M ▲ 19.487% ▲ $0.89 ▲ $33.78M ▲
Q2-2025 $127.207M ▲ $50.332M ▲ $19.978M ▼ 15.705% ▼ $0.69 ▼ $26.359M ▼
Q1-2025 $125.831M ▼ $49.328M ▼ $22.395M ▲ 17.798% ▲ $0.77 ▲ $29.026M ▲
Q4-2024 $128.806M ▲ $50.658M ▲ $18.941M ▲ 14.705% ▲ $0.65 ▲ $23.844M ▼
Q3-2024 $126.588M $48.552M $18.578M 14.676% $0.64 $25.157M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $196.883M ▲ $8.574B ▲ $7.64B ▲ $933.219M ▲
Q2-2025 $169.165M ▼ $7.939B ▼ $7.022B ▼ $916.733M ▲
Q1-2025 $176.927M ▼ $7.975B ▼ $7.072B ▼ $903.472M ▲
Q4-2024 $337.119M ▼ $8.128B ▼ $7.241B ▼ $887.301M ▲
Q3-2024 $858.8M $8.206B $7.329B $877.071M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $25.639M ▲ $31.984M ▲ $16.753M ▼ $607.637M ▲ $656.374M ▲ $31.362M ▲
Q2-2025 $19.978M ▼ $23.255M ▲ $27.209M ▲ $-59.233M ▲ $-8.769M ▲ $21.91M ▲
Q1-2025 $22.395M ▲ $15.603M ▼ $-3.1M ▲ $-172.213M ▼ $-159.71M ▲ $13.655M ▼
Q4-2024 $18.941M ▲ $28.044M ▼ $-104.491M ▼ $-99.409M ▼ $-175.856M ▼ $27.407M ▼
Q3-2024 $18.578M $38.905M $-46.189M $321.073M $313.789M $38.29M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Fiduciary and Trust
Fiduciary and Trust
 $0 ▲$0 ▲$0 ▲$0 ▲
Financial Service Other
Financial Service Other
 $0 ▲$0 ▲$0 ▲$0 ▲
Investment Advice
Investment Advice
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Univest’s income statement shows a steady build in its core business over the past five years. Revenue has climbed at a healthy pace, and profit levels have generally followed, suggesting the bank has been able to grow without sacrificing overall efficiency. Profit margins have been fairly consistent, which implies decent cost control even as the bank invests in technology and expansion. Earnings per share have moved around a bit, with a particularly strong year followed by a step down, but they remain at a solid level compared with earlier years. That pattern hints at sensitivity to interest-rate swings and credit conditions, but not to a degree that disrupts the long-term trend. Overall, the income statement paints a picture of a conservative regional bank that grows gradually, avoids big swings in profitability, and maintains a reasonable balance between growth and risk-taking.

Balance Sheet

Balance Sheet The balance sheet shows a measured, long-term expansion. Assets have grown steadily, suggesting consistent loan growth and a broader customer base. Equity has also increased over time, which strengthens the bank’s capital position and gives it more room to absorb shocks. Debt levels have risen compared with earlier years but do not appear out of line with asset growth. That indicates the bank is using leverage but not in an obviously aggressive way. Cash balances have moved around, including a period with unusually high liquidity, which is typical for banks navigating changing rate and funding environments. Taken together, Univest appears to run with a traditional, moderately conservative balance sheet: growing, reasonably capitalized, and not heavily stretched, but still exposed to the usual banking risks around loan quality and funding costs.

Cash Flow

Cash Flow Cash generation from day‑to‑day operations has been consistently positive, which is important for a bank that funds loans and technology investments largely from its own activities. Free cash flow has also been positive and fairly stable, implying that the business does not require heavy ongoing investment just to stand still. Spending on physical and technology assets has been modest and predictable. This points to a business model that is capital‑light by design, relying more on people, processes, and partnerships than on large infrastructure builds. Overall, the cash flow profile looks steady and self‑funding, giving Univest flexibility to support growth initiatives, absorb credit losses in tougher periods, and continue its shareholder‑return policies when conditions allow.

Competitive Edge

Competitive Edge Univest occupies the regional and community banking space, where relationships and local knowledge matter a great deal. Its edge comes from combining traditional community banking with a broader set of services—banking, wealth management, and insurance—under one roof. This integrated model encourages customers to consolidate more of their financial life with Univest, which can deepen loyalty and raise switching costs. The bank emphasizes high‑touch service and local decision‑making, while still offering modern digital tools. That combination can be appealing to small businesses and households that want both a personal banker and competent online and mobile services. The focus on certain niches, such as agriculture and small business, further differentiates it from more generic regional competitors. On the risk side, Univest still competes in a crowded field against larger regional banks and national players with bigger technology budgets and marketing reach, as well as against digital‑only challengers. Its franchise strength is therefore heavily tied to maintaining service quality, credit discipline, and community reputation through economic cycles.

Innovation and R&D

Innovation and R&D Univest is not a pure technology innovator, but it has been deliberate about adopting practical tools that improve efficiency and customer experience. Rather than building everything in‑house, it partners with established fintech and core‑banking vendors to modernize lending, account opening, and treasury management. Systems like nCino for commercial lending and digital onboarding platforms from Jack Henry help streamline processes, shorten turnaround times, and reduce manual work. For clients, this means faster decisions and more convenient access, especially for small businesses that value both speed and advice. The bank’s “integrated client” approach—coordinating banking, wealth, and insurance for each relationship—is itself an important form of innovation. It uses data and cross‑functional teams to deliver more tailored solutions, which can deepen relationships without requiring cutting‑edge R&D. Longer term, the success of its digital transformation roadmap and continued use of targeted partnerships will be key to staying competitive against larger, more tech‑heavy peers.

Summary

Univest Financial Corporation presents as a steady, relationship‑driven regional bank with a measured growth profile. Its income statement reflects rising revenue and stable profitability, while the balance sheet and cash flows suggest a generally conservative stance with adequate capital and dependable internal funding. The bank’s main strengths lie in its community roots, integrated offering across banking, wealth, and insurance, and a thoughtful use of technology to support (rather than replace) high‑touch service. This positions it well with small businesses and customers who value personal relationships alongside competent digital tools. Key uncertainties revolve around the same forces that affect most regional banks: interest‑rate cycles, credit quality, competition for deposits, and intensifying digital competition from larger banks and fintechs. How effectively Univest continues to execute its digital roadmap, protect asset quality, and leverage its integrated model will largely determine its resilience and growth trajectory over time.

NEWS

October 7, 2025 · 11:07 AM UTC

Univest Financial Corporation to Hold Third Quarter 2025 Earnings Call

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