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Univest Corporation Pennsylvania

Univest Corporation Pennsylvania

UVSP · NASDAQ · Financial Services / Banks - Regional

40.52USD-0.22 (-0.54%)

Price History

Full chart

Market Stats

Previous Close40.74
Open40.77
Day Range40.37 – 40.77
52-Week Range27.35 – 45.23
Volume123.60K
Market Cap1.15B
P/E (TTM)12.16
Forward P/E13.02
EPS3.42
Dividend Yield2.18%
Beta0.64
50-Day Avg42.78
200-Day Avg38.35

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jeffrey M. Schweitzer CPA
  • Employees892
  • Headquarters14 North Main Street, Souderton, PA, United States, 18964, USA
  • Websitehttps://www.univest.net

Leadership

  • Mr. Jeffrey M. Schweitzer CPAChairman, President & CEO · b. 1974
  • Mr. Brian J. Richardson CPASenior Executive VP & CFO · b. 1984
  • Mr. Michael S. Keim CPASenior EVP & COO · b. 1968
  • Ms. Megan Duryea Santana Esq.Senior EVP, Chief Risk Officer, General Counsel & Corporate Secretary · b. 1977
  • Mr. Patrick C. McCormickSenior EVP & Chief Commercial Banking Officer of Univest Bank and Trust Co. · b. 1978
  • Ms. Nicole HeverlySenior VP & Director of Corporate Communications
  • Ms. M. Theresa FoskoExecutive VP & Chief Human Resources Officer
  • Ms. Karen Elizabeth TejklSenior Vice President
  • Ms. Annette D. SzygielChief Experience Officer & Executive VP
  • Mr. Craig PortnerSenior VP & Relationship Manager

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue28.80M33.95M34.95M38.11M43.47M89.39M96.62M97.17M93.63M95.44M97.39M107.95M130.58M143.41M135.92M128.48M125.43M114.78M112.74M115.85M116.90M154.41M182.57M222.25M250.66M279.51M282.27M292.95M330.08M448.55M500.41M518.35M
Growth (%)-+17.91%+2.95%+9.02%+14.06%+105.66%+8.08%+0.58%-3.64%+1.94%+2.04%+10.84%+20.97%+9.82%-5.22%-5.47%-2.38%-8.49%-1.78%+2.76%+0.90%+32.09%+18.24%+21.74%+12.78%+11.51%+0.99%+3.78%+12.67%+35.89%+11.56%+3.58%
Cost of Revenue23.22M27.86M28.73M30.22M32.77M32.43M36.66M35.20M27.12M22.15M20.57M28.37M45.87M56.29M51.08M49.61M39.03M28.21M18.21M16.34M7.60M11.87M17.20M29.73M52.74M53.37M70.38M11.22M46.09M162.50M207.12M201.96M
Gross Profit5.57M6.09M6.23M7.89M10.69M56.96M59.95M61.97M66.52M73.30M76.82M79.57M84.72M87.12M84.84M78.88M86.40M86.57M94.47M99.51M109.30M142.54M165.37M192.52M197.93M226.14M211.90M281.74M283.98M286.05M293.29M316.39M
Gross Margin19.35%17.95%17.82%20.70%24.60%63.72%62.05%63.77%71.04%76.79%78.88%73.72%64.88%60.75%62.42%61.39%68.88%75.43%83.79%85.89%93.50%92.31%90.58%86.62%78.96%80.91%75.07%96.17%86.04%63.77%58.61%61.04%
Operating Expense-9.09M-10.13M-10.84M-11.28M-9.85M34.54M35.81M35.79M37.79M42.02M44.92M45.80M49.96M52.21M58.48M67.53M67.36M62.92M68.04M72.62M79.62M105.52M141.98M130.71M137.24M146.09M155.00M167.41M186.77M197.36M197.99M203.04M
Operating Income14.66M16.22M17.07M19.16M20.55M22.42M24.14M26.18M28.73M31.27M31.90M33.78M34.76M34.91M26.37M11.34M19.04M23.66M26.42M26.89M29.68M37.03M23.39M61.81M60.69M80.05M56.90M114.33M97.21M88.69M95.30M113.35M
Operating Margin50.90%47.78%48.82%50.29%47.27%25.08%24.98%26.94%30.68%32.76%32.76%31.29%26.62%24.34%19.40%8.83%15.18%20.61%23.44%23.21%25.39%23.98%12.81%27.81%24.21%28.64%20.16%39.03%29.45%19.77%19.04%21.87%
EBITDA16.18M17.95M19.30M21.57M23.02M24.75M26.42M28.68M30.78M33.59M34.65M36.26M37.63M37.66M29.26M13.94M21.66M26.86M27.91M28.45M32.93M40.41M26.95M67.28M66.07M85.47M61.90M117.52M100.98M93.33M102.77M119.82M
EBITDA Margin56.20%52.86%55.23%56.60%52.96%27.68%27.35%29.51%32.88%35.20%35.58%33.59%28.82%26.26%21.52%10.85%17.26%23.40%24.76%24.55%28.17%26.17%14.76%30.27%26.36%30.58%21.93%40.12%30.59%20.81%20.54%23.12%
Net Income10.12M11.23M12.04M13.18M14.50M15.80M17.35M19.21M21.11M23.08M23.59M24.87M25.38M25.56M20.59M10.78M15.76M18.88M20.87M21.19M22.23M27.27M19.50M44.09M50.54M65.72M46.92M91.80M78.12M71.10M75.93M90.76M
Net Income Margin35.14%33.07%34.44%34.58%33.36%17.68%17.96%19.77%22.54%24.18%24.22%23.04%19.43%17.82%15.15%8.39%12.56%16.45%18.51%18.29%19.02%17.66%10.68%19.84%20.16%23.51%16.62%31.34%23.67%15.85%15.17%17.51%
R&D-----------------00000000-------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense21.27M25.96M27.68M28.91M31.82M31.38M36.46M34.44M25.81M21.15M18.95M26.26M43.65M54.13M42.31M28.72M17.47M10.73M8.17M5.12M4.00M8.06M12.38M19.84M32.43M44.86M29.58M21.35M33.90M151.73M201.19M190.29M
Interest Expense % of Total Revenue73.87%76.47%79.19%75.87%73.19%35.10%37.74%35.44%27.57%22.16%19.46%24.33%33.43%37.74%31.13%22.36%13.93%9.35%7.25%4.42%3.42%5.22%6.78%8.93%12.94%16.05%10.48%7.29%10.27%33.83%40.20%36.71%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets847.15M881.89M912.46M973.16M1.07B1.12B1.20B1.26B1.33B1.66B1.67B1.77B1.93B1.97B2.08B2.09B2.13B2.21B2.30B2.19B2.24B2.88B4.23B4.56B4.98B5.40B6.34B7.12B7.22B7.78B8.13B8.44B
Total Liabilities767.00M792.55M815.19M868.55M967.29M1.02B1.09B1.14B1.19B1.51B1.51B1.60B1.74B1.77B1.88B1.82B1.87B1.93B2.02B1.91B1.95B2.52B3.73B3.96B4.36B4.73B5.64B6.35B6.45B6.94B7.24B7.49B
Total Equity80.16M89.34M97.27M104.60M103.18M102.75M115.24M121.58M133.45M145.75M160.39M173.08M185.38M198.73M203.21M267.81M266.22M272.98M284.28M280.51M284.55M361.57M505.21M603.37M624.13M672.65M692.47M773.79M776.50M839.21M887.30M943.32M
Cash42.53M47.88M39.36M40.35M42.65M38.91M45.65M54.84M41.62M50.18M36.59M46.79M47.54M47.64M40.07M68.60M29.19M107.38M146.11M69.17M38.56M60.80M57.83M75.41M109.42M125.13M219.86M890.15M152.80M249.80M328.84M553.71M
Total Debt10.59M5.24M19.13M10.23M10.23M90.17M94.57M189.42M120.58M216.94M212.36M196.76M225.07M188.11M292.12M193.44M123.25M137.23M117.28M37.30M41.97M123.50M417.78M355.59M429.67M319.89M349.11M247.43M473.55M499.92M416.93M351.81M
Net Debt-31.93M-42.64M-20.23M-30.12M-32.42M51.27M48.93M134.58M78.96M166.75M175.77M149.97M177.53M140.47M252.05M124.85M94.06M29.86M-28.84M-31.91M3.41M-11.42M359.95M280.18M320.25M194.76M111.35M-662.82M320.75M250.12M88.08M-201.90M

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow16.92M15.83M11.29M18.86M17.42M14.80M21.48M21.49M22.96M5.63M32.60M34.76M18.95M33.16M22.19M20.18M34.85M42.70M37.14M32.81M29.72M39.34M33.31M68.66M86.01M73.15M51.18M102.34M109.45M89.74M75.11M101.51M
Investing Cash Flow-58.53M-39.48M-24.74M-66.58M-104.88M-46.09M-73.49M-55.22M-57.74M-101.19M-34.99M-96.90M-159.54M-46.33M-125.86M-18.64M-84.55M-57.79M-58.18M21.59M-36.30M-190.04M-313.93M-332.49M-431.32M-343.37M-867.39M-126.78M-897.61M-454.44M-259.74M-83.68M
Financing Cash Flow42.09M19.38M21.48M42.14M80.12M40.35M57.46M32.31M36.56M103.57M-10.62M72.49M141.32M13.35M91.34M-15.81M40.79M43.32M79.58M-120.15M5.92M151.06M277.65M281.41M379.32M285.93M910.94M694.73M50.81M461.69M263.68M207.04M
Capital Expenditure000001.89M2.41M2.98M2.04M5.87M2.31M4.04M1.72M8.20M6.75M3.29M2.93M2.30M578.00K3.84M5.59M5.89M12.64M3.96M4.29M2.45M3.75M5.88M5.22M6.72M3.10M4.58M
Free Cash Flow16.92M15.83M11.29M18.86M17.42M12.90M19.07M18.51M20.92M-239.00K30.29M30.72M17.23M24.96M15.44M16.89M31.91M40.40M36.56M28.97M24.13M33.45M20.66M64.70M81.72M70.70M47.43M96.46M104.23M83.02M72.00M96.93M
Dividends Paid2.29M2.54M3.09M3.64M4.18M4.66M5.23M5.75M6.26M6.71M8.13M8.95M9.98M10.34M10.28M11.08M13.25M13.37M16.75M10.03M13.00M15.01M17.02M21.30M23.50M23.43M17.54M23.57M24.61M25.05M24.84M25.33M
FCF to OCF100.00%100.00%100.00%100.00%100.00%87.21%88.76%86.13%91.12%-4.25%92.90%88.38%90.93%75.28%69.57%83.70%91.59%94.61%98.44%88.29%81.18%85.03%62.04%94.23%95.01%96.66%92.67%94.26%95.23%92.51%95.87%95.48%
Dividend Paid to FCF13.53%16.05%27.34%19.31%24.00%36.12%27.45%31.07%29.95%-2809.21%26.83%29.12%57.93%41.44%66.57%65.57%41.51%33.09%45.83%34.62%53.86%44.87%82.39%32.92%28.75%33.15%36.98%24.44%23.61%30.17%34.50%26.14%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jul 28, 2003Oct 27, 2003Jan 26, 2004Apr 27, 2004Jul 28, 2004Oct 27, 2004Jan 26, 2005Apr 27, 2005Jul 27, 2005Oct 26, 2005Jan 25, 2006Apr 26, 2006Jul 26, 2006Oct 25, 2006Jan 24, 2007Apr 25, 2007Jul 25, 2007Oct 24, 2007Jan 23, 2008Apr 23, 2008Jul 23, 2008Oct 22, 2008Jan 28, 2009Apr 22, 2009Jul 23, 2009Oct 28, 2009Jan 27, 2010Apr 28, 2010Jul 28, 2010Oct 27, 2010Jan 26, 2011Apr 27, 2011Jul 27, 2011Oct 26, 2011Jan 25, 2012Apr 25, 2012Jul 25, 2012Oct 24, 2012Jan 23, 2013Apr 24, 2013Jul 24, 2013Oct 23, 2013Jan 22, 2014Apr 23, 2014Jul 23, 2014Oct 22, 2014Jan 28, 2015Apr 22, 2015Jul 22, 2015Oct 28, 2015Jan 27, 2016Apr 27, 2016Jul 27, 2016Oct 26, 2016Jan 25, 2017Apr 26, 2017Jul 26, 2017Oct 25, 2017Jan 24, 2018Apr 25, 2018Jul 25, 2018Oct 24, 2018Jan 23, 2019Apr 24, 2019Jul 24, 2019Oct 23, 2019Jan 22, 2020Apr 22, 2020Jul 22, 2020Oct 28, 2020Jan 27, 2021Apr 28, 2021Jul 28, 2021Oct 27, 2021Jan 26, 2022Apr 27, 2022Jul 27, 2022Oct 26, 2022Jan 25, 2023Apr 26, 2023Jul 26, 2023Oct 25, 2023Jan 24, 2024Apr 24, 2024Jul 24, 2024Oct 23, 2024Jan 22, 2025Apr 23, 2025Jul 23, 2025Oct 22, 2025Jan 28, 2026Apr 22, 2026Jul 22, 2026Oct 28, 2026
EPS Estimate--------------------------------------------0.230.220.140.180.190.220.280.310.280.310.370.310.300.310.310.330.320.310.330.340.340.390.400.360.400.390.390.350.380.360.390.410.450.420.450.120.490.510.540.530.520.530.410.210.400.490.590.640.580.610.590.600.690.740.750.590.550.470.510.510.540.570.640.690.770.770.830.860.97
EPS Actual0.240.240.260.270.260.290.300.330.310.310.310.370.360.380.370.390.410.450.390.420.460.500.420.430.450.510.440.460.510.500.480.460.500.510.480.470.520.510.520.460.320.290.300.200.190.090.180.230.250.300.230.270.310.320.310.280.340.300.320.290.360.300.350.310.390.350.310.380.390.390.370.310.530.390.410.410.420.410.450.150.510.630.550.560.570.550.580.070.620.921.110.680.700.590.680.450.690.810.710.610.580.560.600.610.630.650.730.690.860.790.980.82-
Surprise---------------------------------------------17.39%-59.09%28.57%27.78%31.58%36.36%-17.86%-12.90%10.71%3.23%-16.22%-9.68%13.33%-3.23%3.23%-12.12%12.50%-3.23%6.06%-8.82%14.71%-10.26%-22.50%5.56%-2.50%0.00%-5.13%-11.43%39.47%8.33%5.13%0.00%-6.67%-2.38%0.00%25.00%4.08%23.53%1.85%5.66%9.62%3.77%41.46%-66.67%55.00%87.76%88.14%6.25%20.69%-3.28%15.25%-25.00%0.00%9.46%-5.33%3.39%5.45%19.15%17.65%19.61%16.67%14.04%14.06%0.00%11.69%2.60%18.07%-4.65%-
Timing----------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.15B
Enterprise Value1.22B
Trailing P/E12.16
Forward P/E13.02
PEG Ratio1.30
Price / Sales3.48
Price / Book1.20
EPS3.42
Book Value34.06
Revenue (TTM)329.89M
Gross Profit (TTM)329.89M
Profit Margin29.84%
Operating Margin36.33%
Return on Equity10.52%
Return on Assets1.22%
Shares Outstanding27.58M
Shares Float26.93M
Beta0.64
Dividend Yield2.18%
Dividend Rate0.92
Payout Ratio26.09%

Analyst Ratings

Hold
Based on 3 analystsTarget 45.50
  • Hold
    3

Ownership Breakdown

Institutions
84.48%
Insiders
1.59%
Retail / Other
13.93%

Top Institutional Holders

  • BlackRock Inc
    3.11M11.28%
  • FMR Inc
    1.90M6.90%
  • Dimensional Fund Advisors, Inc.
    1.90M6.88%
  • Vanguard Capital Management, LLC
    1.22M4.41%
  • Manufacturers Life Insurance Co
    1.10M3.97%
  • State Street Corp
    933.69K3.39%
  • American Century Companies Inc
    846.28K3.07%
  • Pzena Investment Management, LLC
    842.42K3.05%
  • Geode Capital Management, LLC
    790.94K2.87%
  • Renaissance Technologies Corp
    583.73K2.12%
  • Univest Financial Corp
    503.43K1.83%
  • Two Sigma Investments LLC
    424.25K1.54%
  • The Goldman Sachs Group Inc
    358.71K1.30%
  • Assenagon Asset Management SA
    358.18K1.30%
  • AQR Capital Management LLC
    350.94K1.27%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    846.28K3.07%
  • Avantis US Small Cap Value ETF
    797.06K2.89%
  • iShares Russell 2000 ETF
    727.42K2.64%
  • JHancock Small Cap Core NAV
    469.69K1.70%
  • DFA US Small Cap Value I
    415.48K1.51%

Dividends

20264×
0.23Nov 10, 20260.23Aug 5, 20260.23May 6, 20260.22Feb 11, 2026
20254×
0.22Nov 5, 20250.22Aug 6, 20250.22May 7, 20250.21Feb 5, 2025
20244×
0.21Nov 6, 20240.21Aug 7, 20240.21May 7, 20240.21Feb 6, 2024
20234×
0.21Nov 7, 20230.21Aug 8, 20230.21May 9, 20230.21Feb 7, 2023
20224×
0.21Nov 8, 20220.21Aug 9, 20220.21May 10, 20220.20Feb 8, 2022
20214×
0.20Nov 9, 20210.20Aug 10, 20210.20May 11, 20210.20Feb 9, 2021

Stock Splits

  • May 2, 20053:2
  • Mar 3, 20035:4
  • Apr 12, 200021:20
  • May 4, 19982:1
  • Mar 4, 19965:4