UNIVEST FINANCIAL Corp (UVSP) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, UNIVEST FINANCIAL reported revenue of $328.1M, up 9.6% from $299.2M the year before. Net income was $90.8M (a 27.7% net margin), or $3.13 per diluted share. Net interest income was $240.2M, and the efficiency ratio (noninterest expense / revenue) was 61.9%. Operating activities generated $101.5M of cash, leaving $96.9M of free cash flow. At fiscal year end, UNIVEST FINANCIAL held $8.44B in total assets against $7.49B in total liabilities.
Open the full interactive UNIVEST FINANCIAL financials → Quarterly statements, key ratios, valuation history and price charts.
UNIVEST FINANCIAL Key Stats
| Share Price | $40.55 |
|---|---|
| Market Cap | $1.13B |
| P/E Ratio | 13.0 |
| Revenue YoY Growth | +9.6% |
| 52-Week Range | $27.60 – $44.98 |
| Shares Outstanding | 27.7 million (basic, 2026 Q2) |
UNIVEST FINANCIAL Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $174.4M | $188.4M | $218.3M | $220.0M | $211.2M | $240.2M |
| Provision for Credit Losses | $40.8M | -$10.1M | $12.2M | $10.8M | $5.9M | $11.7M |
| Noninterest Income | $78.3M | $83.2M | $77.9M | $76.8M | $88.1M | $87.9M |
| Noninterest Expense | $155.0M | $167.4M | $186.8M | $197.4M | $198.0M | $203.0M |
| Revenue | $252.7M | $271.6M | $296.2M | $296.8M | $299.2M | $328.1M |
| Pre-Tax Income | $56.9M | $114.3M | $97.2M | $88.7M | $95.3M | $113.3M |
| Income Tax | $10.0M | $22.5M | $19.1M | $17.6M | $19.4M | $22.6M |
| Net Income | $46.9M | $91.8M | $78.1M | $71.1M | $75.9M | $90.8M |
| Diluted EPS | $1.60 | $3.11 | $2.64 | $2.41 | $2.58 | $3.13 |
UNIVEST FINANCIAL Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $83.2M | $84.6M | $87.5M | $84.4M |
| Net Income | $25.6M | $22.7M | $27.1M | $23.0M |
| Diluted EPS | $0.89 | $0.78 | $0.96 | $0.82 |
UNIVEST FINANCIAL Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $5.22B | $5.24B | $6.04B | $6.48B | — | $6.83B |
| Total Assets | $6.34B | $7.12B | $7.22B | $7.78B | $8.13B | $8.44B |
| Deposits | $5.24B | $6.06B | $5.91B | $6.38B | $6.76B | $7.09B |
| Total Long-Term Debt | $293.5M | $193.9M | $243.3M | $458.8M | $374.3M | $298.9M |
| Total Liabilities | $5.64B | $6.35B | $6.45B | $6.94B | $7.24B | $7.49B |
| Shareholders' Equity | $692.5M | $773.8M | $776.5M | $839.2M | $887.3M | $943.3M |
UNIVEST FINANCIAL Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $51.2M | $102.3M | $109.5M | $89.7M | $75.1M | $101.5M |
| Cash From Investing | -$867.4M | -$126.8M | -$897.6M | -$454.4M | -$259.7M | -$83.7M |
| Cash From Financing | $910.9M | $694.7M | $50.8M | $461.7M | $263.7M | $207.0M |
| Free Cash Flow | $47.4M | $96.5M | $104.2M | $83.0M | $72.0M | $96.9M |
Figures from UNIVEST FINANCIAL's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full UNIVEST FINANCIAL financials page for every line item.
UNIVEST FINANCIAL Company Profile
| Ticker | UVSP |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Souderton, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000102212 |
Frequently Asked Questions
What was UNIVEST FINANCIAL's revenue in fiscal 2025?
UNIVEST FINANCIAL (UVSP) reported revenue of $328.1M for fiscal 2025.
What is UNIVEST FINANCIAL's annual revenue history?
UNIVEST FINANCIAL's annual revenue by fiscal year: 2020: $252.7M; 2021: $271.6M; 2022: $296.2M; 2023: $296.8M; 2024: $299.2M; 2025: $328.1M.
What was UNIVEST FINANCIAL's net income in fiscal 2025?
UNIVEST FINANCIAL reported net income of $90.8M for fiscal 2025.
What was UNIVEST FINANCIAL's earnings per share (EPS) in fiscal 2025?
UNIVEST FINANCIAL's diluted EPS was $3.13 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did UNIVEST FINANCIAL generate in fiscal 2025?
UNIVEST FINANCIAL generated $96.9M of free cash flow in fiscal 2025.
What was UNIVEST FINANCIAL's revenue last quarter?
In its most recent reported quarter (2026 Q2), UNIVEST FINANCIAL reported revenue of $84.4M.
How much debt does UNIVEST FINANCIAL have?
UNIVEST FINANCIAL reported $298.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of UNIVEST FINANCIAL are outstanding?
UNIVEST FINANCIAL reported a weighted average of 27.7 million basic shares outstanding in 2026 Q2.
What is UNIVEST FINANCIAL's market cap?
Based on its latest closing price, UNIVEST FINANCIAL (UVSP) has a market capitalization of about $1.13B.
When does UNIVEST FINANCIAL's fiscal year end?
UNIVEST FINANCIAL's fiscal year end, as registered with the SEC, is December 31.
Where is UNIVEST FINANCIAL headquartered?
UNIVEST FINANCIAL lists its business address in Souderton, Pennsylvania in its SEC filings.