Capital allocation remains balanced, with the company deploying up to $15.4 million in quarterly share repurchases while generating net income of $27.1 million in 2026Q1.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Cash from Operations | 108.04M | 101.51M | 75.11M | 89.74M | 109.45M | 102.34M | 51.18M | 73.15M | 86.01M | 68.66M | 33.31M | 39.34M | 29.72M | 32.81M | 37.14M | 42.7M | 34.85M | 20.18M | 22.19M | 33.16M | 18.95M | 34.76M | 32.6M | 5.63M | 22.96M | 21.49M | 21.48M | 14.8M | 17.42M | 18.86M | 11.29M |
| Operating CF Growth % | 815.2% | 35.16% | -16.31% | -18.01% | 6.96% | 99.96% | -30.03% | -14.95% | 25.26% | 106.15% | -15.34% | 32.37% | -9.4% | -11.67% | -13.02% | 22.53% | 72.65% | -9.04% | -33.08% | 74.96% | -45.48% | 6.6% | 479.13% | -75.48% | 6.82% | 0.07% | 45.16% | -15.06% | -7.63% | 67% | -28.65% |
| Net Income | 95.45M | 90.76M | 75.93M | 71.1M | 78.12M | 91.8M | 46.92M | 65.72M | 50.54M | 44.09M | 19.5M | 27.27M | 22.23M | 21.19M | 20.87M | 18.88M | 15.76M | 10.78M | 20.59M | 25.56M | 25.38M | 24.87M | 23.59M | 23.08M | 21.11M | 19.21M | 17.35M | 15.8M | 14.5M | 13.18M | 12.04M |
| Depreciation & Amortization | 6.12M | 6.02M | 7.47M | 4.65M | 3.77M | 3.19M | 5M | 5.42M | 5.38M | 5.47M | 3.57M | 3.39M | 3.25M | 1.56M | 1.49M | 3.2M | 2.62M | 2.6M | 2.89M | 2.75M | 2.88M | 2.48M | 2.75M | 2.32M | 2.06M | 2.5M | 2.28M | 2.33M | 2.48M | 2.41M | 2.24M |
| Deferred Taxes | 0 | 508K | -1.27M | -710K | -545K | 3.55M | -9.85M | -1.81M | -599K | 7.48M | 942K | 3.82M | 4.16M | 933K | 2.54M | 1.61M | -2.25M | -4.48M | -124K | 421K | 538K | 0 | 286K | 64K | 247K | -757K | -458K | 31K | -279K | 0 | 0 |
| Other Non-Cash Items | 4.29M | 3.43M | -3.42M | 2.23M | 23.85M | 1.03M | 1.87M | 2.39M | 17.03M | 9.6M | 3.09M | -1.05M | 2.76M | 9.92M | 786K | 14.58M | 15.91M | 18.56M | 5.53M | -1.29M | -1.55M | -309K | 173K | -1.84M | -852K | -432K | -1.16M | 595K | 724K | 3.27M | -2.98M |
| Working Capital Changes | -2.67M | -3.89M | -8.21M | 8.27M | 134K | -936K | 5.77M | -923K | 11.09M | -1.15M | 4.12M | 4.5M | -3.82M | -1.77M | 10.18M | 3.54M | 1.76M | -7.28M | -6.69M | 5.72M | -8.29M | 7.72M | 5.81M | -18M | 401K | 978K | 3.47M | -3.96M | 0 | 0 | 0 |
| Cash from Investing | -117.71M | -83.68M | -259.74M | -454.44M | -897.61M | -126.78M | -867.39M | -343.37M | -431.32M | -332.49M | -313.93M | -190.04M | -36.3M | 21.59M | -58.18M | -57.79M | -84.55M | -18.64M | -125.86M | -46.33M | -159.54M | -96.9M | -34.99M | -101.19M | -57.74M | -55.22M | -73.49M | -46.09M | -104.88M | -66.58M | -24.74M |
| Purchase of Investments | -77.06M | -60.31M | -70.75M | -40.01M | -136.47M | -253.14M | -147.53M | -93.14M | -108.73M | -114.97M | -85.55M | -162.72M | -65.22M | -81.71M | -251.13M | -246.98M | -352.99M | -242.2M | -467.09M | -154.01M | -272.59M | -163.84M | -145.68M | -298.35M | -214.54M | -286.06M | -136.02M | -126.63M | -250.36M | -160.29M | -114.66M |
| Sale/Maturity of Investments | 81.66M | 76.24M | 76.79M | 46.77M | 69.17M | 126.98M | 215.4M | 132.84M | 78.46M | 125.24M | 209.22M | 169.79M | 102.71M | 164.57M | 222.13M | 253.48M | 300.57M | 258.52M | 393.73M | 127.93M | 224.88M | 148.02M | 225.69M | 314.05M | 183.39M | 306.62M | 90.86M | 148.27M | 25.08M | 24.02M | 27.45M |
| Net Investment Activity | 4.6M | 15.93M | 6.04M | 6.76M | -67.31M | -126.16M | 67.87M | 39.7M | -30.27M | 10.27M | 123.67M | 7.07M | 37.5M | 82.85M | -29M | 6.5M | -52.42M | 16.32M | -73.37M | -26.08M | -47.71M | -15.81M | 80.01M | 15.7M | -31.14M | 20.56M | -45.16M | 21.64M | -225.28M | -136.26M | -87.21M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | -3.82M | 0 | 0 | 0 | 0 | -79.21M | -2.97M | -9.26M | -2.17M | -3.23M | -1.85M | -927K | -157K | -5.74M | -198K | -4.34M | -200K | 0 | -51.62M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -119.1M | -95.03M | -262.68M | -454.48M | -825.08M | 9.08M | -931.51M | -379.21M | -396.76M | -338.8M | -345.75M | -188.25M | -58.94M | -55.25M | -25.38M | -60.14M | -28.27M | -31.52M | -40.01M | -11.85M | -105.77M | -76.84M | -112.69M | -59.4M | -24.56M | -72.8M | -25.92M | -65.83M | 120.39M | 69.69M | 62.48M |
| Cash from Financing | 62.89M | 207.04M | 263.68M | 461.69M | 50.81M | 694.73M | 910.94M | 285.93M | 379.32M | 281.41M | 277.65M | 151.06M | 5.92M | -120.15M | 79.58M | 43.32M | 40.79M | -15.81M | 91.34M | 13.35M | 141.32M | 72.49M | -10.62M | 103.57M | 36.56M | 32.31M | 57.46M | 40.35M | 80.12M | 42.14M | 21.48M |
| Dividends Paid | -25.46M | -25.33M | -24.84M | -25.05M | -24.61M | -23.57M | -17.54M | -23.43M | -23.5M | -21.3M | -17.02M | -15.01M | -13M | -10.03M | -16.75M | -13.37M | -13.25M | -11.08M | -10.28M | -10.34M | -9.98M | -8.95M | -8.13M | -6.71M | -6.26M | -5.75M | -5.23M | -4.66M | -4.18M | -3.64M | -3.09M |
| Share Repurchases | -41.87M | -34.63M | -19.75M | -1.69M | -11.38M | -650K | -4.45M | -2.04M | -5.98M | -3.52M | -8.36M | -13.34M | -4.61M | -12.01M | -2.32M | -1.93M | -153K | -370K | -1.61M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -13.69M | -3.38M | -1.43M |
| Stock Issued | 3.07M | 1.45M | 2.38M | 2.56M | 698K | 2.38M | 2.37M | 2.23M | 2.29M | 72.91M | 2.47M | 2.43M | 2.46M | 2.42M | 2.52M | 2.29M | 2.19M | 57.66M | 2.01M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 656K | 59K | 109K |
| Net Stock Activity | -38.8M | -33.18M | -17.37M | 871K | -10.68M | 1.73M | -2.08M | 188K | -3.69M | 69.39M | -5.89M | -10.91M | -2.14M | -9.59M | 196K | 359K | 2.04M | 57.28M | 400K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -13.04M | -3.32M | -1.32M |
| Debt Issuance (Net) | -2M | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Financing | 155.88M | 328.12M | 386.02M | 461.71M | -139.99M | 814.38M | 881.34M | 475.26M | 332.17M | 294.06M | 127.84M | 145.47M | 16.84M | -20.52M | 116.1M | 62.96M | 122.01M | 37.02M | -3.24M | 44.21M | 122.07M | 96.24M | 1.28M | 44.39M | 44.97M | 27.42M | 62.49M | 36.17M | 1.2M | 15.04M | 249K |
| Net Change in Cash | 53.22M | 224.87M | 79.05M | 97M | -737.35M | 670.29M | 94.73M | 15.71M | 34.01M | 17.58M | -2.97M | 361K | -651K | -65.75M | 58.54M | 28.23M | -8.91M | -14.27M | -12.34M | 179K | 730K | 10.35M | -13.01M | 8M | 1.77M | -1.41M | 5.45M | 9.05M | -7.34M | -5.58M | 8.03M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 553.71M | 328.84M | 249.8M | 152.8M | 890.15M | 219.86M | 125.13M | 109.42M | 75.41M | 57.83M | 60.8M | 32M | 32.65M | 98.4M | 39.86M | 11.62M | 20.54M | 34.8M | 47.13M | 46.96M | 46.23M | 35.88M | 48.88M | 40.88M | 39.11M | 40.52M | 35.07M | 26.01M | 33.35M | 38.93M | 30.9M |
| Cash at End | 222.36M | 553.71M | 328.84M | 249.8M | 152.8M | 890.15M | 219.86M | 125.13M | 109.42M | 75.41M | 57.83M | 32.36M | 32M | 32.65M | 98.4M | 39.86M | 11.62M | 20.54M | 34.8M | 47.13M | 46.96M | 46.23M | 35.88M | 48.88M | 40.88M | 39.11M | 40.52M | 35.07M | 26.01M | 33.35M | 38.93M |
| Interest Paid | 193.42M | 200.41M | 191.51M | 139.6M | 32.67M | 21.82M | 29.23M | 44.48M | 30.88M | 21.49M | 13.98M | 8.1M | 4.12M | 6M | 8.7M | 11.2M | 21.2M | 30.44M | 44.59M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 14.41M | 0 | 20.7M | 16.78M | 11.86M | 26.59M | 17.32M | 17.17M | 2.02M | 12.6M | 8.05M | 2.14M | 5.9M | 5.35M | 1.82M | 4.63M | 2.73M | 5.08M | 8.18M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 100.26M | 96.93M | 72M | 83.02M | 104.23M | 96.46M | 47.43M | 69.29M | 81.72M | 64.7M | 20.66M | 33.45M | 24.13M | 28.97M | 36.56M | 40.4M | 31.91M | 16.89M | 15.44M | 24.96M | 17.23M | 30.72M | 30.29M | -239K | 20.92M | 18.51M | 19.07M | 12.9M | 17.42M | 18.86M | 11.29M |
| FCF Growth % | 33.45% | 34.62% | -13.27% | -20.36% | 8.06% | 103.39% | -31.56% | -15.21% | 26.3% | 213.13% | -38.24% | 38.65% | -16.7% | -20.77% | -9.5% | 26.58% | 88.91% | 9.45% | -38.15% | 44.84% | -43.91% | 1.42% | 12773.64% | -101.14% | 13.01% | -2.9% | 47.74% | -25.93% | -7.63% | 67% | -28.65% |
Commercial Real Estate Concentration
According to quarterly cash flow statements, Univest Financial Corporation consistently allocated between $4.2 million and $15.4 million toward share repurchases over the last ten quarters, while maintaining a steady dividend payout of approximately $6.3 million, suggesting a balanced approach to returning capital while funding regional expansion efforts.
The bank's ability to sustain both dividends and buybacks appears supported by its diversified fee-income streams, which provide a buffer against interest rate volatility. Investors should monitor whether the recent uptick in buyback activity in late 2025 signals management's confidence in internal capital generation or a tactical response to valuation levels.
Based on reported financial data, Univest frequently rotates its investment securities portfolio, with quarterly purchase activity reaching $29.5 million in 2026Q1, while simultaneously generating cash through maturities and sales, indicating an active management strategy designed to optimize yield and maintain liquidity within the bank's broader asset-liability framework.
The consistent turnover in the investment portfolio suggests that management is actively adjusting duration and credit exposure in response to the shifting interest rate environment. This activity appears to be a secondary lever for managing net interest margin, complementing the bank's core commercial lending operations.
As reported in recent financial filings, Univest's provision for loan losses has exhibited significant quarterly variance, peaking at $5.7 million in 2025Q2 before moderating to $1.3 million in 2026Q1, which may indicate a proactive, cycle-aware approach to managing credit risk within the bank's commercial loan portfolio.
The fluctuation in provisioning levels suggests that management is adjusting its forward-looking economic assumptions in real-time, likely reflecting sensitivity to regional commercial real estate valuations. This volatility warrants further investigation into the underlying credit quality of the loan book as the bank expands into new, less familiar markets.
Based on the provided cash flow data, Univest has demonstrated a capacity to generate positive net income, ranging from $16.3 million to $27.1 million per quarter, which serves as the primary engine for funding organic growth and supporting the bank's regulatory capital buffers during its current expansion phase.
The bank's ability to maintain positive operating cash flow, despite the inherent distortions caused by loan originations and trading assets, suggests a resilient core earnings profile. This internal capital generation appears sufficient to support current growth initiatives without necessitating significant external financing or dilutive equity issuance.
Quick answers to the most common questions about buying UVSP stock.
Univest Financial Corporation (UVSP) generated $101.5M in net cash from operating activities in 2025. This reflects the cash generated directly from core business operations.
Univest Financial Corporation (UVSP) generated $96.9M in free cash flow in 2025. Free cash flow is the cash left over after capital expenditures, which can be used to pay dividends, repurchase shares, or pay down debt.
Univest Financial Corporation (UVSP) spent $4.6M on capital expenditures in 2025. CapEx represents the cash invested in physical assets like property, plant, and equipment to maintain or grow the business.
In 2025, Univest Financial Corporation (UVSP) returned $25.3M to shareholders via cash dividends and spent $34.6M on share repurchases. This shows the company's commitment to returning capital to its equity investors.