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Univest Corporation of Pennsylvania

UVSP Financial Banks Regional

Univest Corporation of Pennsylvania’s revenue for fiscal 2025 (year ended December 2025) was $518.3 million, up 3.58% from fiscal 2024.

Revenue
+2.73%
EPS
−12.4%
Free cash flow
+47.8%
Total debt
−33.8%

Quarter to September 2026, against a year earlier

40.20 1.29 −3.11%
Market cap
$1.1B
P/E
11.9×
Fwd P/E
10.5×
Dividend yield
1.69%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.02
Sold, $m 2.89
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — — — — — — — —
Sell 4 — — — 1 1 3 — 2 — — —
Insider Ownership 2.24%

Capital & Financial Ratios $m

Size
Market Cap 1,090.00
Revenue ttm 525.57
Net income ttm 94.36
Free cash flow ttm 123.17
Net debt Q (625.08)
Valuation
P/E 11.89
Forward P/E 10.50
Price / sales 2.10
Forward P/S Powerpack
Price / FCF 9.18
Price / book 1.16
Financial health
Current ratio Q 1.02
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +2.73% (above 0%: growing)
Operating income growth Q +14.16% (above 0%: growing)
EPS, this year +17.25% (at or above 15%: strong)
EPS, next year A +7.18%
Revenue, next year A −31.17% (below 0%: weak)
EPS, past 5 yrs +14.36%
EPS, next 5 yrs A +9.50%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 55.70%
10-year low 10-year high
P/S against its own 10 years 36.45%
10-year low 10-year high
P/B against its own 10 years 70.19%
10-year low 10-year high

Dividends raised 2 years running

Yield
1.69%
Annual rate
0.68
Payout ratio
20.3%
Growth, 2018–26
+1.62%/yr
  1. 0.80 ’18
  2. 0.80 ’19 +0
  3. 0.60 ’20 −25
  4. 0.80 ’21 +33
  5. 0.83 ’22 +4
  6. 0.84 ’23 +1
  7. 0.84 ’24 +0
  8. 0.87 ’25 +4
  9. 0.91 ’26 +5
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 250 329 554 625
Receivables — — — —
Inventory — — — —
Other — — — —
6,838 7,197 7,509 —
2023 2024 2025 Q'26
Payables 6,376 6,759 7,087 7,355
ST’ Debt — — — —
Other — — — —
6,448 6,835 7,166 —

Compound Annual Growth %

10y 5y 3y
Sales 12.87% 12.93% 16.23%
Cash Flow 9.94% 14.68% (2.48%)
Earnings 12.86% 14.14% 5.12%
Book Value 10.06% 6.38% 6.70%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.98 Actual 0.78

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.78 0.79 Beat by 0.01
Q1 FY26 0.84 0.96 Beat by 0.12
Q2 FY26 0.86 0.82 Miss by 0.04
Q3 FY26 0.98 0.78 Miss by 0.20
Q4 FY26 0.97 — Reports 27 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.96 0.82 0.78 — —
’25 0.77 0.69 0.89 0.79 3.13
’24 0.69 0.62 0.63 0.65 2.58
’23 0.71 0.57 0.58 0.55 2.41
’22 0.68 0.45 0.71 0.81 2.64
’21 1.11 0.71 0.71 0.59 3.11
’20 0.03 0.07 0.62 0.88 1.60
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 130 126 135 — —
’25 126 127 132 134 518
’24 124 121 127 129 500
’23 103 110 116 120 449
’22 72 76 85 98 330
’21 75 73 74 71 293
’20 70 68 72 71 282
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 22 24 46 — —
’25 16 23 32 31 102
’24 12 (3) 39 28 75
’23 21 19 22 28 90
’22 24 36 24 26 109
’21 30 19 17 37 102
’20 11 15 21 5 51
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 22 23 46 — —
’25 14 22 31 30 97
’24 11 (4) 38 27 72
’23 18 18 21 26 83
’22 23 34 22 24 104
’21 29 24 17 34 104
’20 11 13 20 5 49
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 183 222 251 280 282 293 330 449 500 518 526 +12.3% 357 369 378 (10.0%)
Gross margin, % 93.22 91.07 87.06 83.95 89.52 92.71 89.73 66.17 59.80 63.29 65.91 (29.9) pt
EBT 23 62 61 80 57 114 97 89 95 113 118 +19.2%
EBT margin, % 12.81 27.81 24.21 28.64 20.16 39.03 29.45 19.77 19.04 21.87 22.41 +9.1 pt
Net income 20 44 51 66 47 92 78 71 76 91 94 +18.6%
Per share, $
Per share, $ Revenue 7.98 8.35 8.59 9.57 9.67 9.97 11.23 15.24 17.13 18.04 19.12 +9.5%
Earnings 0.85 1.64 1.72 2.24 1.60 3.12 2.66 2.42 2.60 3.16 3.38 +15.7%
Cash flow 1.46 2.58 2.95 2.51 1.75 3.48 3.72 3.05 2.57 3.53 4.48 +10.3%
Capex (0.51) 0.00 (0.13) (0.11) (0.08) 0.05 (0.18) (0.22) (0.10) (0.15) 0.00 (12.9%)
Free cash flow 0.94 2.58 2.82 2.40 1.67 3.53 3.55 2.83 2.47 3.38 4.48 +15.3%
Book value 22.09 22.68 21.39 23.13 23.72 26.32 26.42 28.51 30.37 32.83 34.53 +4.5%
Shares, m 23 27 29 29 29 29 29 29 29 29 28 +2.6%
Valuation, ×
Valuation, × P/E 34.19 17.10 12.47 11.96 12.86 9.59 9.75 9.09 11.35 10.39 11.89 13.9
P/S 3.86 3.36 2.51 2.80 2.13 3.00 2.32 1.44 1.72 1.82 2.10 2.5
P/B 1.40 1.24 1.01 1.16 0.87 1.14 0.99 0.77 0.97 1.00 1.16 1.1
EV/Sales 4.06 4.14 3.03 3.23 2.39 0.63 2.59 1.91 1.81 0.94 — 2.5
EV/FCF 34.43 13.41 9.24 12.88 13.85 1.77 8.21 10.28 12.59 5.00 — 12.2
Cash, $m
Cash, $m Operating cash flow 33 69 86 73 51 102 109 90 75 102 123 +13.2%
Capex (12) 0 (4) (3) (2) 1 (5) (6) (3) (4) (3) (10.7%)
Free cash flow 22 69 82 70 49 104 104 83 72 97 123 +18.2%
Balance, $m
Balance, $m Working capital (247) 16 7 99 233 83 123 391 362 342 156 n/m
Net debt 36 175 130 120 74 (696) 90 209 45 (255) (625) n/m
Shareholders’ equity 505 603 624 675 692 774 777 839 887 943 949 +7.2%
Returns, %
Returns, % ROA 0.54 0.99 1.05 1.26 0.80 1.36 1.09 0.95 0.95 1.10 1.10 +0.6 pt
ROIC 4.08 4.96 5.07 6.29 4.76 92.18 7.02 5.38 6.39 10.29 0.00 +6.2 pt
ROE 4.46 7.88 8.18 10.08 6.85 12.52 10.08 8.80 8.80 9.92 10.03 +5.5 pt
People
People Employees 840 855 841 873 896 920 973 979 949 960 — +1.5%
Revenue/emp, $m 0.22 0.26 0.30 0.32 0.32 0.32 0.34 0.46 0.53 0.54 — +10.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 3 Nov 2026

Univest Corporation of Pennsylvania vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HFWA Heritage Financial Corporation $1.2B 14.1× 14.6× +24.60% (above 0%: growing) −17.86% (below 0%: shrinking) +0.66% (above 0%: growing) 79.05% 0.00% Compare
AMTB Amerant Bancorp Inc. $1.2B 17.3× 13.2× −6.05% (below 0%: shrinking) +87.60% (above 0%: growing) +137.85% (above 0%: growing) 68.11% 0.00% Compare
UVSP Univest Corporation of Pennsylvania $1.1B 11.9× 10.5× +2.73% (above 0%: growing) −12.36% (below 0%: shrinking) +47.79% (above 0%: growing) 66.61% 0.00%
NBN Northeast Bancorp $1.1B 9.7× 8.7× +6.35% (above 0%: growing) +34.97% (above 0%: growing) −136.55% (below 0%: shrinking) 62.31% 0.00% Compare
FSBC Five Star Bancorp $1.1B 12.4× 12.5× +21.04% (above 0%: growing) +19.48% (above 0%: growing) +40.75% (above 0%: growing) 65.07% 0.00% Compare
CFFN Capitol Federal Financial $1.1B 13.1× 12.3× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00% Compare
HBNC Horizon Bancorp (IN) $1.1B — (loss-making) 9.8× −1.83% (below 0%: shrinking) +4.26% (above 0%: growing) +72.88% (above 0%: growing) 75.11% 0.00% Compare
CCNE CNB Financial Corporation $1.1B 10.7× 9.9× +6.10% (above 0%: growing) +31.88% (above 0%: growing) +2.73% (above 0%: growing) 69.41% 0.00% Compare
BFST Business First Bancshares, Inc. $1.0B 11.3× 11.0× +7.42% (above 0%: growing) +3.47% (above 0%: growing) +38.67% (above 0%: growing) 66.54% 0.00% Compare
Median of peers $1.1B 12.4× 11.7× +6.43% +25.68% +39.71% 67.33% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 13 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.10m 2.25m 187.66
2024 1.92m 2.48m 164.29
2023 1.63m 1.44m 118.46
2022 1.84m 1.74m 134.71
2021 1.65m 2.09m 149.59
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

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stockrow.com/UVSP · Data as of Nov 3, 2026 · For information only; not investment advice. · © 2026 stockrow.com