Univest Financial Corporation

Univest Financial Corporation

UVSPยทNASDAQ

$39.88

-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$1.11B
EPS3.1600
P/E Ratio10.37
Earnings Date07/22/2026
3Y-7.0%
5Y+98.0%
10Y+205.0%
3Y-91.0%
5Y-90.0%
10Y-73.0%
3Y+308.0%
5Y-77.0%
10Y-25.0%
UVSP

Univest Financial Corporation Cash Conversion Engine

UVSP ยท NASDAQ
Net Income90.76M
Depreciation & Amortization6.02M
Stock-Based Compensation4.69M
Change in Working Capital-3.89M
Others3.43M
Capital Expenditures-4.58M
Free Cash Flow96.93M

Cash Flow Quality Analysis

FCF Conversion Rate

106.8%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

4.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+34.6%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$3.89M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Univest Financial Corporation Cash Flow Statement

UVSP โ€ข NASDAQ

Univest Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
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
6M
7.5M
4.6M
3.8M
3.2M
5M
5.4M
5.4M
5.5M
3.6M
3.4M
3.3M
1.6M
1.5M
3.2M
2.6M
2.6M
2.9M
2.7M
2.9M
508K
-1.3M
-710K
-545K
3.6M
-9.9M
-1.8M
-599K
7.5M
942K
3.8M
4.2M
933K
2.5M
1.6M
-2.2M
-4.5M
-124K
421K
538K
4.7M
4.6M
4.2M
4.1M
3.7M
1.5M
2.3M
2.6M
3.2M
2.1M
1.4M
1.1M
978K
1.3M
888K
1M
0.0
0.0
0.0
0.0
3.4M
-3.4M
2.2M
23.9M
1M
1.9M
2.4M
17M
9.6M
3.1M
-1M
2.8M
9.9M
786K
14.6M
15.9M
18.6M
5.5M
-1.3M
-1.6M
(0.0)
(20.7M)
(16.8M)
(11.9M)
(26.6M)
(17.3M)
(17.2M)
(2M)
(12.6M)
(8.1M)
(2.1M)
(5.9M)
(5.4M)
(1.8M)
(4.6M)
(2.7M)
(5.1M)
(8.2M)
(0.0)
(0.0)
-3.9M
-8.2M
8.3M
134K
-936K
5.8M
-923K
11.1M
-1.2M
4.1M
4.5M
-3.8M
-1.8M
10.2M
3.5M
1.8M
-7.3M
-6.7M
5.7M
-8.3M
101.5M
75.1M
89.7M
109.5M
102.3M
51.2M
73.1M
86M
68.7M
33.3M
39.3M
29.7M
32.8M
37.1M
42.7M
34.8M
20.1M
22.2M
33.2M
19M
INVESTING ACTIVITIES
-4.6M
-3.1M
-6.7M
-5.2M
-5.9M
-3.8M
-3.9M
-4.3M
-4M
-12.6M
-5.9M
-5.6M
-3.8M
-578K
-2.3M
-2.9M
-3.3M
-6.8M
-8.2M
-1.7M
(0.0)
(0.0)
(0.0)
(0.0)
-3.8M
(0.0)
(0.0)
(0.0)
(0.0)
-79.2M
-3M
-9.3M
-2.2M
-3.2M
-1.8M
-927K
-157K
-5.7M
-198K
-4.3M
-60.3M
-70.7M
-40M
-136.5M
-253.1M
-147.5M
-93.1M
-108.7M
-115M
-85.5M
-162.7M
-65.2M
-81.7M
-251.1M
-247M
-353M
-242.2M
-467.1M
-154M
-272.6M
76.2M
76.8M
46.8M
69.2M
127M
215.4M
132.8M
78.5M
125.2M
209.2M
169.8M
102.7M
164.6M
222.1M
253.5M
300.6M
258.5M
393.7M
127.9M
224.9M
-95M
-262.7M
-454.5M
-825.1M
9.1M
-931.5M
-379.2M
-396.8M
-338.8M
-345.8M
-188.3M
-58.9M
-55.2M
-25.4M
-60.1M
-28.3M
-31.5M
-40M
-11.9M
-105.8M
-83.7M
-259.7M
-454.4M
-897.6M
-126.8M
-867.4M
-343.4M
-431.3M
-332.5M
-313.9M
-190M
-36.3M
(21.6M)
-58.2M
-57.8M
-84.5M
-18.6M
-125.9M
-46.3M
-159.5M
FINANCING ACTIVITIES
-33.2M
-17.4M
871K
-10.7M
1.7M
-2.1M
188K
-3.7M
69.4M
-5.9M
-10.9M
-2.1M
-9.6M
196K
359K
2M
57.3M
400K
-4.6M
455K
-62.6M
-80.1M
24.2M
226.1M
-97.8M
49.2M
-166.1M
74.3M
-60.7M
172.7M
31.5M
4.2M
-59.4M
-20M
-6.6M
-70M
-99M
104.5M
-15.9M
28.8M
-25.3M
-24.8M
-25.1M
-24.6M
-23.6M
-17.5M
-23.4M
-23.5M
-21.3M
-17M
-15M
-13M
-10M
-16.8M
-13.4M
-13.2M
-11.1M
-10.3M
-10.3M
-10M
-34.6M
-19.8M
-1.7M
-11.4M
-650K
-4.5M
-2M
-6M
-3.5M
-8.4M
-13.3M
-4.6M
-32.6M
-2.3M
-1.9M
-153K
-370K
-1.6M
-7.5M
(0.0)
328.1M
386M
461.7M
-140M
814.4M
881.3M
475.3M
332.2M
294.1M
127.8M
145.5M
16.8M
-20.5M
116.1M
63M
122M
37M
-3.2M
44.2M
122.1M
207M
263.7M
461.7M
50.8M
694.7M
910.9M
285.9M
379.3M
281.4M
277.7M
151.1M
5.9M
-120.2M
79.6M
43.3M
40.8M
-15.8M
91.3M
13.4M
141.3M
CASH FLOW SUMMARY
224.9M
79M
97M
-737.4M
670.3M
94.7M
15.7M
34M
17.6M
-3M
361K
-651K
-65.8M
58.5M
28.2M
-8.9M
-14.3M
-12.3M
179K
730K
328.8M
249.8M
152.8M
890.2M
219.9M
125.1M
109.4M
75.4M
57.8M
60.8M
32M
32.6M
98.4M
39.9M
11.6M
20.5M
34.8M
47.1M
47M
46.2M
553.7M
328.8M
249.8M
152.8M
890.2M
219.9M
125.1M
109.4M
75.4M
57.8M
32.4M
32M
32.6M
98.4M
39.9M
11.6M
20.5M
34.8M
47.1M
47M
96.9M
72M
83M
104.2M
96.5M
47.4M
69.3M
81.7M
64.7M
20.7M
33.5M
24.1M
29M
36.6M
40.4M
31.9M
16.8M
15.4M
25M
17.2M

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