Univest Financial Corporation

Univest Financial Corporation

UVSPยทNASDAQ

$39.03

-2.1%
Financial ServicesBanks - Regional

Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in Pennsylvania. It operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment provides a range of banking services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking, and equipment lease financing services for individuals, businesses, municipalities, and nonprofit organizations. The Wealth Management segment offers investment advisory, financial planning, and trust and brokerage services for private families and individuals, municipal pension plans, retirement plans, and trusts and guardianships. The Insurance segment provides commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. It serves customers primarily in Bucks, Berks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and York counties in Pennsylvania; and Atlantic, Burlington, and Cape May counties in New Jersey through 37 banking offices. 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.

At a Glance

Live Snapshot
Market Cap$1.09B
EPS3.1600
P/E Ratio12.35
Earnings Date07/22/2026
3Y+57.0%
5Y+84.0%
10Y+184.0%
3Y+16.0%
5Y+93.0%
10Y+365.0%
3Y-7.0%
5Y+98.0%
10Y+205.0%
Univest Financial Corporation

Univest Financial Corporation Profit Bridge

UVSP ยท NASDAQ
Revenue518.35M
Cost of Goods Sold (201.96M)
Gross Profit316.39M
Operating Expenses (203.04M)
Operating Income113.35M
Interest Expense (190.29M)
Other Income/Expense0.00
Pretax Income113.35M
Income Tax (22.59M)
Net Income90.76M
Net Income
90.76M

Profitability Analysis

Gross Margin

61.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

21.9%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

17.5%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

19.9%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Univest Financial Corporation Income Statement

UVSP โ€ข NASDAQ

Univest Financial Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
518.3M
500.4M
448.6M
330.1M
293M
282.3M
279.5M
250.7M
222.3M
182.6M
154.4M
116.9M
115.9M
112.7M
114.8M
125.4M
128.5M
135.9M
143.4M
130.6M
GROSS PROFIT
(202M)
(207.1M)
(162.5M)
(46.1M)
(11.2M)
(70.4M)
(53.4M)
(52.7M)
(29.7M)
(17.2M)
(11.9M)
(7.6M)
(16.3M)
(18.2M)
(28.2M)
(39M)
(49.6M)
(51.1M)
(56.3M)
(45.9M)
316.4M
293.3M
286.1M
284M
281.7M
211.9M
226.1M
197.9M
192.5M
165.4M
142.5M
109.3M
99.5M
94.5M
86.6M
86.4M
78.9M
84.8M
87.1M
84.7M
OPERATING INCOME
(203M)
(198M)
(197.4M)
(186.8M)
(167.4M)
(155M)
(146.1M)
(137.2M)
(130.7M)
(142M)
(105.5M)
(79.6M)
(72.6M)
(68M)
(62.9M)
(67.4M)
(67.5M)
(58.5M)
(52.2M)
(50M)
(142.5M)
(130.4M)
(127.2M)
(121.3M)
(109M)
(97.8M)
(91.7M)
(84.2M)
(79M)
(73M)
(62.1M)
(45.7M)
(43M)
(40.7M)
(36.9M)
(43M)
(42.4M)
(34.7M)
(31.6M)
(30.2M)
113.4M
95.3M
88.7M
97.2M
114.3M
56.9M
80.1M
60.7M
61.8M
23.4M
37M
29.7M
26.9M
26.4M
23.7M
19M
11.3M
26.4M
34.9M
34.8M
PRE-TAX INCOME
(190.3M)
(201.2M)
(151.7M)
(33.9M)
(21.3M)
(29.6M)
(44.9M)
(32.4M)
(19.8M)
(12.4M)
(8.1M)
(4M)
(5.1M)
(8.2M)
(10.7M)
(17.5M)
(28.7M)
(42.3M)
(54.1M)
(43.7M)
240.2M
211.2M
220M
218.3M
188.4M
174.4M
169.2M
158.1M
143.2M
114.2M
93.9M
72.2M
72.5M
72.5M
74.7M
73.5M
67.6M
65.7M
62.4M
61.5M
(60.6M)
(67.6M)
(70.2M)
(65.4M)
(58.4M)
(57.2M)
(54.4M)
(52.3M)
(51M)
(69M)
(43.4M)
(33.9M)
(29.6M)
(27.3M)
(26M)
(24.3M)
(25.1M)
(23.8M)
(20.6M)
(19.7M)
113.4M
95.3M
88.7M
97.2M
114.3M
56.9M
80.1M
60.7M
61.8M
23.4M
37M
29.7M
26.9M
26.4M
23.7M
19M
11.3M
26.4M
34.9M
34.8M
NET INCOME
(22.6M)
(19.4M)
(17.6M)
(19.1M)
(22.5M)
(10M)
(14.3M)
(10.1M)
(17.7M)
(3.9M)
(9.8M)
(7.4M)
(5.7M)
(5.6M)
(4.8M)
(3.3M)
(563K)
(5.8M)
(9.4M)
(9.4M)
90.8M
75.9M
71.1M
78.1M
91.8M
46.9M
65.7M
50.5M
44.1M
19.5M
27.3M
22.2M
21.2M
20.9M
18.9M
15.8M
10.8M
20.6M
25.6M
25.4M

SEC Filings

UVSP - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

April 28, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 24, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 22, 2026
2026
8-K

8-K 2026

N/A

April 02, 2026
April 01, 2026
2026
DEF 14A

DEF 14A 2025

N/A

March 13, 2026
December 31, 2025
2025
10-K

10-K 2025 FY

FY

February 23, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 10, 2026
February 09, 2026
2026
8-K

8-K 2026

N/A

January 29, 2026
January 28, 2026
2026
S-4

S-4

N/A

December 19, 2025
December 19, 2025
ย 
8-K

8-K 2025

N/A

December 10, 2025
December 10, 2025
2025
Showing 1 to 10 of 497 filings