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UNIVEST FINANCIAL Corp

UVSP

$42.83 ▼ -0.89 (-2.04%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

UNIVEST FINANCIAL Corp shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap —

Dividend Yield 2.03%

Revenue Growth 9.6% ↗

Op. Margin 34.6% ↗

ROIC None

FCF / Share None

Trailing P/E 13.6x

Price / Book 1.3x

FCF Yield —

Debt / Equity 0.03

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$328.06M

↑ +9.6% —

Net Income Profit after all expenses

$90.76M

↑ +19.5% —

Operating Margin Operating profit as % of sales

34.6%

↑ +8.5% 90th

Long-Term Debt Long-term obligations

$150.10M

↑ +3.3% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health →

Dividend History

Dividend / share · sourced from SEC filings

$0.87 Latest / share

+3.6% YoY

+0.8% 12-yr CAGR

$0.80

FY 2014

$0.80

FY 2015

$0.80

FY 2016

$0.80

FY 2017

$0.80

FY 2018

$0.80

FY 2019

$0.60

FY 2020

$0.80

FY 2021

$0.83

FY 2022

$0.84

FY 2023

$0.84

FY 2024

$0.87

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	9.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	0.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-87%)	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	9.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+51%)	7.5% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+25%)	7.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+28%)	7.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+25%)	7.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	18.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+216%)	16.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+172%)	21.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+257%)	1.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-82%)	5.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	3.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-45%)	1.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-82%)	10.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	—	—
EPS Growth YoY (%)	21.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	7.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-9.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-14.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	95.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-28.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	30.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	4.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	92.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-38.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	7.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	2.4% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	10.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	18.9% Good Good Year-over-year change in earnings per share Optimal: > 10%	26.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	19.5% Good ↑ Good Improving Year-over-year change in net income	6.8% Fair ↓ Fair Declining Year-over-year change in net income	-9.0% Weak ↓ Weak Declining Year-over-year change in net income	-14.9% Weak ↓ Weak Declining Year-over-year change in net income	95.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-28.6% Weak ↓ Weak Declining Year-over-year change in net income	30.0% Excellent ↓ Excellent Declining Year-over-year change in net income	14.6% Fair ↓ Fair Declining Year-over-year change in net income	126.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-28.5% Weak ↓ Weak Declining Year-over-year change in net income	22.7% Good ↑ Good Improving Year-over-year change in net income	4.9% Caution ↓ Caution Declining Year-over-year change in net income	1.5% Caution ↓ Caution Declining Year-over-year change in net income	10.5% Fair ↓ Fair Declining Year-over-year change in net income	19.8% Good Good Year-over-year change in net income	46.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	18.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.4% Caution Caution Compound annual revenue growth over 3 years	4.9% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.3% Fair Fair Compound annual revenue growth over 5 years	4.3% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	5.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-5.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	22.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	38.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	6.2% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-12.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	10.4% Good Good Compound annual EPS growth over 3 years	18.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	34.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	31.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	29.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	32.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	42.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	22.5% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	27.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	25.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	24.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	26.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	33.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	18.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	28.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	23.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	21.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	11.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	18.6% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	18.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	17.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	18.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	17.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	14.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	11.1% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	6.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	7.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	3.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	7.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	7.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	7.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	6.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	5.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	4.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.25x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.25x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.54x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.43x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.64x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-47%)	0.07x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	—	—	—	0.02x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.02x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	—	—	—	$10.08	$9.24	$8.65	$8.04	$7.48	$7.61	$7.44	$7.51	$7.51	$7.18	$6.73	$6.52	—	—	—
Basic EPS, GAAP (USD)	$3.16	$2.60	$2.42	$2.66	$3.12	$1.60	$2.24	$1.72	$1.64	$0.85	$1.39	$1.37	$1.28	$1.25	$1.13	$0.95	$0.75	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.87	$0.84	$0.84	$0.83	$0.80	$0.60	$0.80	$0.80	$0.80	$0.80	$0.80	$0.80	$0.80	$0.80	$0.80	$0.80	$0.80	—
Book Value per Share (USD)	$33.50	$30.55	$28.44	$26.53	$26.23	$23.64	$23.01	$21.32	$20.57	$19.00	$18.51	$17.54	$17.22	$16.95	$16.34	$15.99	—	—
Tangible Book Value per Share (USD)	$27.27	$24.51	$22.49	$20.53	$20.28	$17.75	$17.13	$15.43	$14.69	$12.51	$12.74	$13.37	$13.69	$13.60	$13.16	$12.91	—	—
Basic Weighted Avg Shares (shares)	—	—	—	29.39M	29.39M	29.20M	29.19M	29.18M	26.61M	22.87M	19.49M	16.06M	16.61M	16.76M	16.74M	—	—	—
Dividend Payout Ratio (%)	27.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	31.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	35.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	94.1% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	57.6% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	58.4% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	62.5% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	64.0% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	70.8% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	84.2% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	106.7% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	$150.10M	$145.33M	$155.83M	$127.52M	$0.00	—	—	—	$5.00M	$5.00M	—	—
Total Equity (USD)	$943.32M	$887.30M	$839.21M	$776.50M	$773.79M	$692.47M	$675.12M	$624.13M	$603.37M	$505.21M	$361.57M	$284.55M	$280.51M	$284.28M	$272.98M	$266.22M	$267.81M	$203.21M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$328.06M	$299.23M	$296.82M	$296.18M	$271.61M	$252.69M	$234.65M	$218.24M	$202.42M	$170.19M	$146.34M	$120.54M	$119.25M	$112.74M	$109.15M	$107.95M	$97.55M	—
Net Income, GAAP (USD)	$90.76M	$75.93M	$71.10M	$78.12M	$91.80M	$46.92M	$65.72M	$50.54M	$44.09M	$19.50M	$27.27M	$22.23M	$21.19M	$20.87M	$18.88M	$15.76M	$10.78M	—
Operating Cash Flow (USD)	$101.51M	$75.11M	$89.74M	$109.45M	$102.34M	$51.18M	$73.15M	$86.01M	$68.66M	$33.31M	$39.34M	$31.87M	$32.81M	$37.14M	$42.70M	$34.85M	$20.23M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.8%	2.6%	2.8%	3.0%	2.6%	2.8%	3.1%	3.2%	3.1%	2.7%	3.3%	3.2%	3.3%	3.1%	3.4%	3.4%	—	—
Efficiency Ratio (%) (%)	61.9%	66.2%	66.5%	63.1%	61.6%	61.3%	62.3%	62.9%	64.6%	83.4%	72.1%	72.4%	68.0%	67.7%	62.3%	62.4%	67.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 68 quarters

UNIVEST FINANCIAL Corp

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