UNIVEST FINANCIAL Corp financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data UNIVEST FINANCIAL Corp files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	0	0	0	0	0	0	296	297	299	328
Selling and marketing	2.02	2.21	2.64	2.59	1.98	2.06	2.46	2.18	2.17	1.65
Interest expense	12.4	19.8	32.4	44.9	29.6	21.3	33.9	152
Pre-tax income	23.4	61.8	60.7	80.1	56.9	114	97.2	88.7	95.3	113
Income tax	3.88	17.7	10.1	14.3	9.98	22.5	19.1	17.6	19.4	22.6
Net income to minority interests								71.1	75.9	90.8
Net income	19.5	44.1	50.5	65.7	46.9	91.8	78.1	71.1	75.9	90.8
EPS, basic	0.85	1.64	1.72	2.24	1.60	3.12	2.66	2.42	2.60	3.16
EPS, diluted	0.84	1.64	1.72	2.24	1.60	3.11	2.64	2.41	2.58	3.13
Shares, basic (weighted)	22.9	26.6	29.2	29.2	29.2	29.4	29.4	29.4
Shares, diluted (weighted)	22.9	26.7	29.3	29.3	29.3	29.6	29.6	29.5	29.4	29
Dividend per share	0.80	0.80	0.80	0.80	0.60	0.80	0.83	0.84	0.84	0.87

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	57.8	75.4	109	125	220	890	153	250	329	554
Property, plant and equipment	63.6	61.8	59.6	56.7	55.6	56.9	50.9	51.4	46.7	45.6
Lease right-of-use assets			0	34.4	34.3	30.4	30.1	31.8	28.5	25.8
Goodwill	173	173	173	173	173	176	176	176	176	176
Intangible assets	16.7	13.9	12	10.3	8.87	11.8	11.4	11	8.31	7.33
Total assets	4,231	4,555	4,984	5,381	6,336	7,122	7,222	7,781	8,128	8,437
Accrued liabilities						16.5	17	12.4	17.1	16.2
Short-term debt	196	105	190	18.7	17.9	20.1	197	6.31	11.2	24.4
Total liabilities	3,725	3,951	4,360	4,706	5,644	6,349	6,446	6,941	7,241	7,494
Total debt	128	156	145	150
Paid-in capital	230	290	292	295	296	299	301	301	303	304
Retained earnings	195	217	248	289	307	375	429	475	526	591
Treasury stock	-44.9	-43.5	-45.8	-44.7	-46.3	-41.9	-48.6	-43.7	-55.1	-84.2
Other comprehensive income	-19.5	-17.8	-28.4	-21.7	-22.1	-16.4	-62.1	-50.6	-44	-25.5
Shareholders' equity	505	603	624	675	692	774	777	839	887	943
Total equity	505	603	624	675	692	774	777	839	887	943
Total liabilities and equity	4,231	4,555	4,984	5,381	6,336	7,122	7,222	7,781	8,128	8,437
Shares outstanding	26.6	29.3	29.3	29.3	29.3	29.5	29.3	29.5	29	28.2

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	19.5	44.1	50.5	65.7	46.9	91.8	78.1	71.1	75.9	90.8
Stock-based compensation	2.08	3.17	2.56	2.35	1.48	3.7	4.12	4.19	4.62	4.69
Deferred income tax	0.94	7.48	-0.6	-1.81	-9.85	3.55	-0.55	-0.71	-1.27	0.51
Cash from operations	33.3	68.7	86	73.1	51.2	102	109	89.7	75.1	102
Capital expenditures	-12.6	-3.96	-4.29	-3.86	-3.75	-5.88	-5.22	-6.72	-3.1	-4.59
Acquisitions	-79.2	0	0	0	0	-3.82	0	0
Purchases of investments				-2.99	-91.3	-154	-117	-25.1	-64	-51.3
Sales and maturities of investments	72.5	65	54.7	67	54.8	50.4	31.6	30.7	55.9	54.8
Cash from investing	-314	-332	-431	-343	-867	-127	-898	-454	-260	-83.7
Debt issued	20	95	10	25
Debt repaid	-15	-65	-20	-20
Stock issued	4.97	1.68	1.13	1.2	0.38	2.06	0.7	0.12	3.2	1.45
Share buybacks	-8.36	-3.52	-5.98	-2.05	-4.38	-0.3	-11.4	-0.46	-18.9	-34.6
Dividends paid	-17	-21.3	-23.5	-23.4	-17.5	-23.6	-24.6	-25.1	-24.8	-25.3
Cash from financing	278	281	379	286	911	695	50.8	462	264	207
Net change in cash		17.6	34	15.7	94.7	670	-737	97	79	225
Free cash flow	20.7	64.7	81.7	69.3	47.4	96.5	104	83	72	96.9
Interest paid	14	21.5	30.9	44.5	29.2	21.8	32.7	140	192	200
Income taxes paid	8.05	12.6	2.02	17.2	17.3	26.6	11.9	21	20.7	21.1

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $42.16 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	36.2%	Pre-tax income / revenue.
Net margin	29.0%	Net income / revenue.
FCF margin	31.2%	Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin	32.0%	Cash from operations / revenue.
Effective tax rate	19.9%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	10.3%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	1.2%	Net income / average total assets.
Stock-based pay / revenue	1.5%	Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue	0.9%	Capital expenditures / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	9.6%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	3.5%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income growth, 1y	19.5%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	5.1%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	14.1%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	21.3%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	5.8%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	14.4%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	35.2%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-2.5%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	14.7%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	34.6%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	-2.4%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	15.4%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	3.6%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	1.6%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	7.7%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	6.3%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	6.7%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	6.4%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	3.8%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	5.3%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	5.9%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	-1.4%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-0.7%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-0.2%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	88.4%	Total liabilities / total assets.
Goodwill and intangibles / assets	2.2%	(Goodwill + intangible assets) / total assets.
Tangible book value	$770.9M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.04x	Revenue / average total assets.
Fixed asset turnover	7.65x	Revenue / average property, plant and equipment.
FCF conversion	107.5%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	2.7%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$3.52	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$12.15	Revenue / diluted weighted shares.
FCF per share	$3.78	Free cash flow / diluted weighted shares.
Operating cash flow per share	$3.89	Cash from operations / diluted weighted shares.
Book value per share	$34.59	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$27.95	Tangible book value / shares outstanding.
Cash per share	$7.08	(Cash + short-term investments) / shares outstanding.
Payout ratio	25.9%	Dividends paid / net income, when net income is positive.
Dividends / FCF	24.1%	Dividends paid / free cash flow, when free cash flow is positive.
Buybacks / FCF	48.9%	Share buybacks / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$1.16B	Share price x shares outstanding.
Enterprise value	$967.5M	Market cap + total debt - cash - short-term investments.
P/E	11.8x	Market cap / net income. Only when net income is positive.
P/S	3.42x	Market cap / revenue.
P/B	1.22x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.51x	Market cap / tangible book value, when positive.
P/FCF	11.0x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	10.7x	Market cap / cash from operations, when positive.
EV/Sales	2.85x	Enterprise value / revenue.
EV/FCF	9.14x	Enterprise value / free cash flow, when both are positive.
FCF yield	9.1%	Free cash flow / market cap.
Earnings yield	8.5%	Net income / market cap (the inverse of P/E).
Dividend yield	2.2%	Dividends paid over the period / market cap.
Shareholder yield	6.6%	(Dividends paid + share buybacks) / market cap.
PEG	2.02x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

What was UNIVEST FINANCIAL Corp's revenue in fiscal 2025?

UNIVEST FINANCIAL Corp reported revenue of $328.1M for fiscal 2025, 9.6% higher than the year before.

Was UNIVEST FINANCIAL Corp profitable in fiscal 2025?

Yes. Net income was $90.8M, a net margin of 27.7%.

How much free cash flow did UNIVEST FINANCIAL Corp generate in fiscal 2025?

Cash from operations of $101.5M minus capital expenditures of $4.6M left free cash flow of $96.9M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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