Univest Financial Corporation (UVSP) 10-Year Financial Performance & Capital Metrics

UVSP • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutUnivest 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.Show more

Net Interest Income $211M -4.0%
Total Revenue $500M +11.6%
Net Income $76M +6.8%
Return on Equity 8.8%
Net Interest Margin 2.6% -8.1%
Efficiency Ratio 39.57% -10.1%
ROA 0.95% +0.7%
Equity / Assets 10.92% +1.2%
Book Value per Share 30.18 +6.2%
Tangible BV/Share 23.93 +8.3%
Debt/Equity 0.47 -21.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 39.6% efficiency ratio
✓Well capitalized: 10.9% equity/assets
✓Healthy dividend yield of 2.5%
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y15.65%

5Y12.35%

3Y19.54%

TTM-

Profit (Net Income) CAGR

10Y13.07%

5Y2.93%

3Y-6.13%

TTM18.72%

EPS CAGR

10Y6.53%

5Y2.87%

3Y-6.04%

TTM20.48%

ROCE

10Y Avg8.01%

5Y Avg8.18%

3Y Avg7.95%

Latest7.18%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	93.92M	114.22M	143.18M	158.06M	169.23M	174.36M	188.38M	218.3M	220M	211.17M
NII Growth %	0.3%	0.22%	0.25%	0.1%	0.07%	0.03%	0.08%	0.16%	0.01%	-0.04%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	101.46M	126.61M	163.01M	190.49M	214.09M	203.94M	209.73M	252.19M	371.73M	412.36M
Interest Expense	8.06M	12.38M	19.84M	32.43M	44.86M	29.58M	21.35M	33.9M	151.73M	201.19M
Loan Loss Provision	3.8M	4.82M	9.89M	20.31M	8.51M	40.79M	-10.13M	12.2M	10.77M	5.93M
Non-Interest Income+	52.95M	55.96M	59.24M	60.17M	65.42M	78.33M	83.22M	77.89M	76.82M	88.06M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	154.41M	182.57M	222.25M	250.66M	279.51M	282.27M	292.95M	330.08M	448.55M	500.41M
Revenue Growth %	0.32%	0.18%	0.22%	0.13%	0.12%	0.01%	0.04%	0.13%	0.36%	0.12%
Non-Interest Expense	105.52M	141.98M	130.71M	137.24M	146.09M	155M	167.41M	186.77M	197.36M	197.99M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	37.03M	23.39M	61.81M	60.69M	80.05M	56.9M	114.33M	97.21M	88.69M	95.3M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.25%	-0.37%	1.64%	-0.02%	0.32%	-0.29%	1.01%	-0.15%	-0.09%	0.07%
Pretax Income+	37.03M	23.39M	61.81M	60.69M	80.05M	56.9M	114.33M	97.21M	88.69M	95.3M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	9.76M	3.88M	17.72M	10.14M	14.33M	9.98M	22.53M	19.09M	17.59M	19.37M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	27.27M	19.5M	44.09M	50.54M	65.72M	46.92M	91.8M	78.12M	71.1M	75.93M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.23%	-0.28%	1.26%	0.15%	0.3%	-0.29%	0.96%	-0.15%	-0.09%	0.07%
Net Income (Continuing)	27.27M	19.5M	44.09M	50.54M	65.72M	46.92M	91.8M	78.12M	71.1M	75.93M
EPS (Diluted)+	1.39	0.84	1.64	1.72	2.24	1.60	3.11	2.64	2.41	2.58
EPS Growth %	0.01%	-0.4%	0.95%	0.05%	0.3%	-0.29%	0.94%	-0.15%	-0.09%	0.07%
EPS (Basic)	1.39	0.85	1.64	1.73	2.24	1.60	3.12	2.66	2.42	2.61
Diluted Shares Outstanding	19.66M	23.22M	29.34M	29.37M	29.26M	29.27M	29.55M	29.55M	29.53M	29.4M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	60.8M	57.83M	75.41M	109.42M	125.13M	219.86M	890.15M	152.8M	249.8M	328.84M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	2.41B	3.61B	3.92B	4.31B	4.65B	5.47B	5.58B	6.35B	6.75B	7.01B
Investments Growth %	0.3%	0.5%	0.09%	0.1%	0.08%	0.18%	0.02%	0.14%	0.06%	0.04%
Long-Term Investments	2.08B	3.16B	3.53B	3.98B	4.4B	5.25B	5.26B	6B	6.4B	7B
Accounts Receivables	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	112.66M	172.56M	172.56M	172.56M	172.56M	172.56M	175.51M	175.51M	175.51M	175.51M
Intangible Assets	12.62M	16.65M	13.91M	11.99M	10.28M	8.87M	11.85M	11.38M	10.95M	8.31M
PP&E (Net)	42.16M	63.64M	61.8M	59.56M	91.09M	89.96M	87.29M	81M	83.24M	75.2M
Other Assets	91.9M	177.06M	176.95M	141.44M	144.23M	156.55M	152.15M	179.46M	201.92M	219.77M
Total Current Assets	526.89M	636.2M	596.63M	612.72M	556.48M	638.82M	1.42B	752.05M	888.58M	628.45M
Total Non-Current Assets	2.35B	3.59B	3.96B	4.37B	4.82B	5.7B	5.7B	6.47B	6.89B	7.5B
Total Assets+	2.88B	4.23B	4.56B	4.98B	5.4B	6.34B	7.12B	7.22B	7.78B	8.13B
Asset Growth %	0.29%	0.47%	0.08%	0.09%	0.08%	0.17%	0.12%	0.01%	0.08%	0.04%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	49.93M	49.97M	40.98M	44.61M	44.51M	52.2M	46.07M	14.46M	28.73M	31.39M
Total Debt+	73.59M	417.78M	355.59M	429.67M	319.89M	349.11M	247.43M	473.55M	499.92M	416.93M
Net Debt	12.79M	359.95M	280.18M	320.25M	194.76M	129.25M	-642.72M	320.75M	250.12M	88.08M
Long-Term Debt	49.38M	190.34M	219.37M	219.57M	234.82M	293.51M	193.87M	243.26M	458.76M	374.26M
Short-Term Debt	24.21M	227.44M	136.22M	210.1M	47.46M	17.91M	20.11M	197.14M	6.31M	11.18M
Other Liabilities	0	0	0	0	-18.68M	0	0	22.31M	18.8M	10.43M
Total Current Liabilities	2.47B	3.53B	3.73B	4.14B	4.45B	5.31B	6.12B	6.15B	6.43B	6.82B
Total Non-Current Liabilities	49.38M	190.34M	219.37M	219.57M	253.75M	331.2M	227.33M	298.73M	512.41M	416.17M
Total Liabilities	2.52B	3.73B	3.96B	4.36B	4.73B	5.64B	6.35B	6.45B	6.94B	7.24B
Total Equity+	361.57M	505.21M	603.37M	624.13M	672.65M	692.47M	773.79M	776.5M	839.21M	887.3M
Equity Growth %	0.27%	0.4%	0.19%	0.03%	0.08%	0.03%	0.12%	0%	0.08%	0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.08%	0.05%	0.08%	0.08%	0.1%	0.07%	0.13%	0.1%	0.09%	0.09%
Book Value per Share	18.39	21.76	20.57	21.25	22.99	23.66	26.18	26.28	28.42	30.18
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	110.27M	144.56M	157.78M	157.78M	157.78M	157.78M	157.78M	157.78M	157.78M	157.78M
Additional Paid-in Capital	121.28M	230.49M	290.13M	292.4M	295M	296.19M	299.18M	300.81M	301.07M	302.83M
Retained Earnings	193.45M	194.52M	216.76M	248.17M	288.8M	306.9M	375.12M	428.64M	474.69M	525.78M
Accumulated OCI	-16.71M	-19.45M	-17.77M	-28.42M	-21.73M	-22.14M	-16.35M	-62.1M	-50.65M	-43.99M
Treasury Stock	-46.72M	-44.91M	-43.53M	-45.8M	-44.73M	-46.25M	-41.94M	-48.63M	-43.69M	-55.1M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	39.34M	33.31M	68.66M	86.01M	73.15M	51.18M	102.34M	109.45M	89.74M	75.11M
Operating CF Growth %	0.32%	-0.15%	1.06%	0.25%	-0.15%	-0.3%	1%	0.07%	-0.18%	-0.16%
Net Income	27.27M	19.5M	44.09M	50.54M	65.72M	46.92M	91.8M	78.12M	71.1M	75.93M
Depreciation & Amortization	3.39M	3.57M	5.47M	5.38M	5.42M	5M	3.19M	3.77M	4.65M	7.47M
Deferred Taxes	3.82M	942K	7.48M	-599K	-1.81M	-9.85M	3.55M	-545K	-710K	-1.27M
Other Non-Cash Items	-1.05M	3.09M	9.6M	17.03M	2.39M	1.87M	1.03M	23.85M	2.23M	-3.42M
Working Capital Changes	4.5M	4.12M	-1.15M	11.09M	-923K	5.77M	-936K	134K	8.27M	-8.21M
Cash from Investing+	-190.04M	-313.93M	-332.49M	-431.32M	-343.37M	-867.39M	-126.78M	-897.61M	-454.44M	-259.74M
Purchase of Investments	-162.72M	-85.55M	-114.97M	-108.73M	-93.14M	-147.53M	-253.14M	-136.47M	-40.01M	-70.75M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-2.97M	-79.21M	0	0	0	0	-3.82M	0	0	0
Other Investing	-188.25M	-345.75M	-338.8M	-396.76M	-379.21M	-931.51M	9.08M	-825.08M	-454.48M	-262.68M
Cash from Financing+	151.06M	277.65M	281.41M	379.32M	285.93M	910.94M	694.73M	50.81M	461.69M	263.68M
Dividends Paid	-15.01M	-17.02M	-21.3M	-23.5M	-23.43M	-17.54M	-23.57M	-24.61M	-25.05M	-24.84M
Share Repurchases	-13.34M	-8.36M	-3.52M	-5.98M	-2.04M	-4.45M	-650K	-12.28M	-1.69M	-19.75M
Stock Issued	2.43M	2.47M	72.91M	2.29M	2.23M	2.37M	2.38M	2.54M	2.56M	2.38M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	1000K	-1000K
Other Financing	145.47M	127.84M	294.06M	332.17M	475.26M	881.34M	814.38M	-141.88M	461.71M	386.02M
Net Change in Cash+	361K	-2.97M	17.58M	34.01M	15.71M	94.73M	670.29M	-737.35M	97M	79.05M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	32M	60.8M	57.83M	75.41M	109.42M	125.13M	219.86M	890.15M	152.8M	249.8M
Cash at End	32.36M	57.83M	75.41M	109.42M	125.13M	219.86M	890.15M	152.8M	249.8M	328.84M
Interest Paid	8.1M	13.98M	21.49M	30.88M	44.48M	29.23M	21.82M	32.67M	139.6M	191.51M
Income Taxes Paid	2.14M	8.05M	12.6M	2.02M	17.17M	17.32M	26.59M	11.86M	16.78M	20.7M
Free Cash Flow+	33.45M	20.66M	64.7M	81.72M	69.29M	47.43M	96.46M	104.23M	83.02M	72M
FCF Growth %	0.39%	-0.38%	2.13%	0.26%	-0.15%	-0.32%	1.03%	0.08%	-0.2%	-0.13%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	8.44%	4.5%	7.95%	8.24%	10.14%	6.87%	12.52%	10.08%	8.8%	8.8%
Return on Assets (ROA)	1.07%	0.55%	1%	1.06%	1.27%	0.8%	1.36%	1.09%	0.95%	0.95%
Net Interest Margin	3.26%	2.7%	3.14%	3.17%	3.13%	2.75%	2.64%	3.02%	2.83%	2.6%
Efficiency Ratio	68.34%	77.77%	58.81%	54.75%	52.27%	54.91%	57.14%	56.58%	44%	39.57%
Equity / Assets	12.56%	11.94%	13.23%	12.52%	12.46%	10.93%	10.86%	10.75%	10.79%	10.92%
Book Value / Share	18.39	21.76	20.57	21.25	22.99	23.66	26.18	26.28	28.42	30.18
NII Growth	30.09%	21.62%	25.35%	10.4%	7.07%	3.03%	8.04%	15.88%	0.78%	-4.01%
Dividend Payout	55.05%	87.28%	48.3%	46.49%	35.66%	37.38%	25.68%	31.5%	35.23%	32.72%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Investment Advice	-	-	-	-	-	-	-	-	18.86M	21.21M
Investment Advice Growth	-	-	-	-	-	-	-	-	-	12.43%
Financial Service, Other	-	-	-	-	-	-	-	-	12.38M	14.75M
Financial Service, Other Growth	-	-	-	-	-	-	-	-	-	19.11%
Fiduciary and Trust	-	-	-	-	-	-	-	-	7.73M	8.49M
Fiduciary and Trust Growth	-	-	-	-	-	-	-	-	-	9.82%
Deposit Account	-	-	-	-	-	-	-	-	7.05M	8.08M
Deposit Account Growth	-	-	-	-	-	-	-	-	-	14.67%
Banking1	-	-	-	-	-	1.1M	1.29M	1.73M	-	-
Banking1 Growth	-	-	-	-	-	-	17.14%	34.06%	-	-
Wealth Management	-867K	-788K	-585K	-612K	-688K	-627K	-656K	-843K	-	-
Wealth Management Growth	-	9.11%	25.76%	-4.62%	-12.42%	8.87%	-4.63%	-28.51%	-	-
Insurance	-1.25M	-978K	-474K	-501K	-516K	-476K	-636K	-889K	-	-
Insurance Growth	-	21.63%	51.53%	-5.70%	-2.99%	7.75%	-33.61%	-39.78%	-	-
Others	-	-	-	-	-	-	-	-	-	-
Others Growth	-	-	-	-	-	-	-	-	-	-
Banking	2.12M	1.77M	1.06M	1.11M	1.2M	-	-	-	-	-
Banking Growth	-	-16.50%	-40.03%	5.10%	8.18%	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Univest Financial Corporation (UVSP) has a price-to-earnings (P/E) ratio of 13.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Univest Financial Corporation (UVSP) grew revenue by 11.6% over the past year. This is steady growth.

Yes, Univest Financial Corporation (UVSP) is profitable, generating $87.0M in net income for fiscal year 2024 (15.2% net margin).

Dividend & Returns

Yes, Univest Financial Corporation (UVSP) pays a dividend with a yield of 2.52%. This makes it attractive for income-focused investors.

Univest Financial Corporation (UVSP) has a return on equity (ROE) of 8.8%. This is below average, suggesting room for improvement.

Industry Metrics

Univest Financial Corporation (UVSP) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

Univest Financial Corporation (UVSP) has an efficiency ratio of 39.6%. This is excellent, indicating strong cost control.

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