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Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking; Wealth Management; and Insurance. The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing. The Wealth Management segment provides investment advisory, financial planning and trust, and brokerage services for private families and individuals, municipal pension plans, retirement plans, trusts, and guardianships. The Insurance segment offers full-service insurance brokerage agency comprising commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting services. 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.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 113.35M | 95.30M | 88.69M | 97.21M | 114.33M |
| Net income | 90.76M | 75.93M | 71.10M | 78.12M | 91.80M |
| Selling general administrative | 131.55M | 128.18M | 125.01M | 118.88M | 106.90M |
| Selling and marketing expenses | 1.65M | 2.17M | 2.18M | 2.46M | 2.06M |
| Gross profit | 316.39M | 293.29M | 286.05M | 296.18M | 271.61M |
| Reconciled depreciation | 6.02M | 7.47M | 4.20M | 3.77M | 3.19M |
| Ebit | 113.35M | 95.30M | 88.69M | 133.26M | 114.33M |
| Ebitda | 119.82M | 102.77M | 93.33M | 137.03M | 117.52M |
| Depreciation and amortization | 6.47M | 7.47M | 4.65M | 3.77M | 3.19M |
| Operating income | 113.35M | 95.30M | 88.69M | 133.26M | 114.33M |
| Other operating expenses | 405.00M | 405.11M | 359.87M | 11.79M | -157.28M |
| Interest expense | 190.29M | 201.19M | 151.73M | 33.90M | 21.35M |
| Tax provision | 22.59M | 19.37M | 19.23M | 19.09M | 22.53M |
| Interest income | 430.49M | 412.36M | 347.90M | 252.19M | 209.73M |
| Net interest income | 240.19M | 211.17M | 229.15M | 218.30M | 188.38M |
| Income tax expense | 22.59M | 19.37M | 17.59M | 19.09M | 22.53M |
| Total revenue | 518.35M | 500.41M | 448.55M | 296.18M | 271.61M |
| Total operating expenses | 203.04M | 197.99M | 197.36M | 11.79M | -157.28M |
| Cost of revenue | 201.96M | 207.12M | 162.50M | - | - |
| Total other income expense net | - | -308.48M | 88.69M | -36.05M | -21.35M |
| Net income from continuing ops | 90.76M | 75.93M | 78.69M | 78.12M | 91.80M |
| Net income applicable to common shares | - | - | - | 78.12M | 91.80M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 8436.90M | 8128.42M | 7803.55M | 7222.02M | 7122.42M |
| Intangible assets | 7.33M | 8.31M | 10.95M | 11.38M | 11.85M |
| Other current assets | 13.54M | 12.52M | 306.92M | -144.37M | 4934.72M |
| Total liab | 7493.58M | 7241.12M | 6964.34M | 6445.52M | 6348.63M |
| Total stockholder equity | 943.32M | 887.30M | 839.21M | 776.50M | 773.79M |
| Other current liab | 7110.75M | 6782.37M | 4987.47M | -74.09M | -46.07M |
| Common stock | 157.78M | 157.78M | 157.78M | 157.78M | 157.78M |
| Capital stock | 157.78M | 157.78M | 157.78M | 157.78M | 157.78M |
| Retained earnings | 591.20M | 525.78M | 474.69M | 428.64M | 375.12M |
| Other liab | - | - | - | 11.11M | 79.52M |
| Good will | 175.51M | 175.51M | 175.51M | 175.51M | 175.51M |
| Other assets | 7859.26M | 7659.29M | - | 5968.89M | 4934.72M |
| Cash | 553.71M | 328.84M | 249.80M | 152.80M | 890.15M |
| Total current liabilities | 7155.35M | 6824.94M | 5095.20M | 191.19M | 46.07M |
| Current deferred revenue | - | - | - | - | -7.49M |
| Net debt | -201.90M | 88.08M | 250.12M | 320.75M | -662.82M |
| Short term debt | 24.41M | 11.18M | 95.97M | 197.14M | 53.56M |
| Short long term debt | - | 0.00M | 0.00M | 197.14M | - |
| Short long term debt total | 351.81M | 416.93M | 499.92M | 473.55M | 227.33M |
| Other stockholder equity | 219.80M | 247.73M | 257.38M | 252.18M | 257.24M |
| Property plant equipment | - | - | - | 50.94M | 56.88M |
| Total current assets | 605.54M | 628.45M | 306.92M | 660.36M | 1416.07M |
| Long term investments | 496.29M | 493.98M | 500.62M | 507.56M | 5753.68M |
| Net tangible assets | - | - | - | 589.61M | 773.79M |
| Short term investments | 8.64M | 8.28M | 351.55M | 350.26M | 317.01M |
| Net receivables | 29.65M | 278.82M | 277.57M | 301.68M | 208.91M |
| Long term debt | 298.87M | 374.26M | 458.76M | 243.26M | 193.87M |
| Inventory | - | - | -204.75M | 19.26M | 0.28M |
| Accounts payable | 20.18M | 31.39M | 11.76M | 68.14M | 46.07M |
| Accumulated other comprehensive income | -25.47M | -43.99M | -50.65M | -62.10M | -16.35M |
| Common stock total equity | - | - | - | 157.78M | 157.78M |
| Retained earnings total equity | - | - | - | 428.64M | 375.12M |
| Treasury stock | - | - | - | -48.62M | -41.94M |
| Non currrent assets other | 460.89M | 219.77M | 6952.39M | -182.69M | -771.64M |
| Non current assets total | 7831.35M | 7499.96M | 7496.63M | 592.77M | 771.64M |
| Capital lease obligations | 28.53M | 31.48M | 34.85M | 33.15M | 33.45M |
| Long term debt total | - | - | - | 243.26M | 193.87M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 15.93M | -259.74M | -746.95M | -59.15M | -125.16M |
| Change to liabilities | - | - | - | 5.99M | 2.19M |
| Total cashflows from investing activities | -83.68M | -259.74M | -454.44M | -897.61M | -126.78M |
| Net borrowings | -61.77M | -80.12M | 24.16M | 226.09M | -97.80M |
| Total cash from financing activities | 207.04M | 263.68M | 461.69M | 50.81M | 694.73M |
| Change to operating activities | - | - | - | 5.99M | 2.19M |
| Net income | 90.76M | 75.93M | 71.10M | 78.12M | 91.80M |
| Change in cash | 224.87M | 79.05M | 97.00M | -737.35M | 670.29M |
| Begin period cash flow | 328.84M | 249.80M | 152.80M | 890.15M | 219.86M |
| End period cash flow | 553.71M | 328.84M | 249.80M | 152.80M | 890.15M |
| Total cash from operating activities | 101.51M | 75.11M | 89.74M | 109.45M | 102.34M |
| Issuance of capital stock | 2.32M | 2.38M | 2.59M | 2.54M | 2.38M |
| Depreciation | 6.02M | 7.47M | 4.65M | 3.77M | 3.19M |
| Other cashflows from investing activities | -95.03M | -262.68M | -454.48M | -833.24M | 4.26M |
| Dividends paid | 25.33M | 24.84M | 25.05M | -24.61M | -23.57M |
| Change to account receivables | 2.14M | -12.02M | -8.88M | -5.86M | -3.13M |
| Sale purchase of stock | -34.62M | -19.75M | -1.69M | -12.28M | -0.65M |
| Other cashflows from financing activities | 328.12M | 386.02M | 461.71M | 85.16M | 816.58M |
| Change to netincome | - | - | - | 26.13M | 5.89M |
| Capital expenditures | 4.58M | 3.10M | 6.72M | 5.22M | 5.88M |
| Cash flows other operating | - | - | - | -6.71M | -4.89M |
| Cash and cash equivalents changes | - | - | - | -737.35M | 670.29M |
| Change in working capital | -3.89M | -8.21M | 8.27M | 0.13M | -0.94M |
| Stock based compensation | 4.69M | 4.62M | 4.19M | 4.12M | 3.70M |
| Other non cash items | 3.43M | -3.42M | 2.23M | 23.85M | 1.03M |
| Free cash flow | 96.93M | 72.00M | 83.02M | 104.23M | 96.46M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| UVSP Univest Corporation Pennsylvania |
1.69 4.26% |
41.28 | 12.35 | 13.02 | 3.57 | 1.24 | 4.22 |
| DBSDY DBS Group Holdings Ltd ADR |
-3.29 1.44% |
224.55 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.86 2.47% |
33.89 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking; Wealth Management; and Insurance. The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing. The Wealth Management segment provides investment advisory, financial planning and trust, and brokerage services for private families and individuals, municipal pension plans, retirement plans, trusts, and guardianships. The Insurance segment offers full-service insurance brokerage agency comprising commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting services. 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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Jeffrey M. Schweitzer CPA | Vice Chairman, Pres & CEO | 1974 |
| Mr. Brian J. Richardson | Sr. Exec. VP & CFO | 1983 |
| Mr. Michael S. Keim CPA | Sr. Exec. VP & COO | 1968 |
| Ms. Megan Duryea Santana Esq. | Sr. Exec. VP, Chief Risk Officer, Gen. Counsel & Corp. Sec. | 1976 |
| Mr. Eric W. Conner | Sr. EVP & Chief Information Officer | 1971 |
| Nicole Heverly | Sr. VP of Corp. Communications | NA |
| Ms. M. Theresa Fosko | Exec. VP & Chief HR Officer | NA |
| Mr. George D. Terry | Exec. VP | 1938 |
| Ms. Karen Elizabeth Tejkl | Sr. VP | NA |
| Mr. John W. Duerksen | Exec. VP of Corp. Banking - Montgomery County | NA |
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