Saturday 17 October 2026
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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. In the quarter to June 2026, revenue was flat, EPS grew 20.3%, free cash flow grew 4.85% and total debt fell 33.8%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for ten; insiders bought in the last twelve months.
41.25
0.20
+0.49%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
34.19 | 17.10 | 12.47 | 11.96 | 12.86 | 9.59 | 9.75 | 9.09 | 11.35 | 10.39 |
Piotroski F-Score |
4 | 5 | 6 | 7 | 5 | 6 | 6 | 5 | 6 | 7 |
P/S ratio |
3.86 | 3.36 | 2.51 | 2.80 | 2.13 | 3.00 | 2.32 | 1.44 | 1.72 | 1.82 |
P/FCF ratio |
32.75 | 10.86 | 7.66 | 11.17 | 12.34 | 8.48 | 7.34 | 7.77 | 11.96 | 9.67 |
P/Operating CF |
75.03 | 31.21 | 25.48 | 40.64 | 118.10 | 23.90 | 29.46 | 23.22 | 30.74 | 30.67 |
P/B ratio |
1.40 | 1.24 | 1.01 | 1.16 | 0.87 | 1.14 | 0.99 | 0.77 | 0.97 | 1.00 |
Price to Tangible BV |
2.23 | 1.79 | 1.43 | 1.59 | 1.18 | 1.50 | 1.30 | 0.99 | 1.23 | 1.24 |
EV/Sales |
4.06 | 4.14 | 3.03 | 3.23 | 2.39 | 0.63 | 2.59 | 1.91 | 1.81 | 0.94 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
22.27 | 13.41 | 8.83 | 12.33 | 13.18 | 1.79 | 7.82 | 9.54 | 12.08 | 4.79 |
EV/FCF |
34.43 | 13.41 | 9.24 | 12.88 | 13.85 | 1.77 | 8.21 | 10.28 | 12.59 | 5.00 |
Quick Ratio |
0.02 | 0.02 | 0.03 | 0.03 | 0.04 | 0.15 | 0.02 | 0.04 | 0.05 | 0.08 |
Current Ratio |
0.93 | 1.00 | 1.00 | 1.02 | 1.04 | 1.01 | 1.02 | 1.06 | 1.05 | 1.05 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.22% | 5.49% | 4.81% | 4.55% | 4.63% | 2.72% | 3.37% | 5.90% | 4.60% | 3.54% |
Debt/Equity |
0.19 | 0.41 | 0.38 | 0.36 | 0.42 | 0.25 | 0.31 | 0.55 | 0.42 | 0.32 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.72 | 1.57 | 1.71 | 1.12 | 1.09 | 1.12 | 1.40 | 1.26 | 0.99 | 1.12 |
Capex/Depreciation |
(2.17) | 0.00 | (0.54) | (0.44) | (0.33) | 0.23 | (1.00) | (1.12) | (0.35) | (0.61) |
| 4.46% | 7.88% | 8.18% | 10.08% | 6.85% | 12.52% | 10.08% | 8.80% | 8.80% | 9.92% | |
| 0.54% | 0.99% | 1.05% | 1.26% | 0.80% | 1.36% | 1.09% | 0.95% | 0.95% | 1.10% | |
ROIC |
4.08% | 4.96% | 5.07% | 6.29% | 4.76% | 92.18% | 7.02% | 5.38% | 6.39% | 10.29% |
Return on Tangible Assets |
(10.55%) | 56.34% | 75.79% | 42.04% | 16.22% | 65.80% | 44.83% | 16.08% | 18.59% | 23.39% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
73.84% | 63.26% | 62.63% | 55.31% | 68.85% | 53.69% | 60.22% | 46.06% | 40.75% | 41.42% |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
1.14% | 1.42% | 1.02% | 0.84% | 0.52% | 1.26% | 1.25% | 0.94% | 0.92% | 0.90% |
Graham Net Nets |
(0.48) | (0.31) | (0.37) | (0.23) | (0.16) | (0.16) | (0.20) | (0.16) | (0.05) | 0.02 |
Graham Number |
21.18 | 28.93 | 28.86 | 34.14 | 29.22 | 42.99 | 39.84 | 39.40 | 42.15 | 48.24 |
Earnings Yield |
2.92% | 5.85% | 8.02% | 8.36% | 7.77% | 10.43% | 10.25% | 11.01% | 8.81% | 9.62% |
Free Cash Flow Yield |
3.05% | 9.20% | 13.06% | 8.96% | 8.10% | 11.79% | 13.62% | 12.87% | 8.36% | 10.34% |
Revenue per Share |
7.98 | 8.35 | 8.59 | 9.57 | 9.67 | 9.97 | 11.23 | 15.24 | 17.13 | 18.04 |
Operating CF per Share |
1.46 | 2.58 | 2.95 | 2.51 | 1.75 | 3.48 | 3.72 | 3.05 | 2.57 | 3.53 |
Capex per Share |
(0.51) | 0.00 | (0.13) | (0.11) | (0.08) | 0.05 | (0.18) | (0.22) | (0.10) | (0.15) |
Free Cash Flow per Share |
0.94 | 2.58 | 2.82 | 2.40 | 1.67 | 3.53 | 3.55 | 2.83 | 2.47 | 3.38 |
Cash per Share |
2.53 | 2.83 | 3.75 | 4.29 | 7.53 | 30.28 | 5.20 | 8.49 | 11.26 | 19.27 |
Shareholders Equity per Share |
22.09 | 22.68 | 21.39 | 23.13 | 23.72 | 26.32 | 26.42 | 28.51 | 30.37 | 32.83 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
22.09 | 22.68 | 21.39 | 23.13 | 23.72 | 26.32 | 26.42 | 28.51 | 30.37 | 32.83 |
Free Cash Flow |
21.55 | 68.70 | 82.21 | 70.01 | 48.70 | 103.71 | 104.23 | 83.28 | 72.08 | 97.25 |
Working Capital |
(246.89) | 15.74 | 6.69 | 99.09 | 233.21 | 82.60 | 123.32 | 390.66 | 361.72 | 342.43 |
Capital Expenditures |
(11.76) | 0.04 | (3.80) | (3.14) | (2.48) | 1.38 | (5.22) | (6.46) | (3.02) | (4.26) |
Net Current Asset Value |
(340.97) | (234.42) | (233.22) | (183.45) | (97.99) | (144.73) | (153.09) | (102.95) | (44.03) | 15.03 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.06 | 0.00 | 0.02 | 0.01 | 0.01 | 0.00 | 0.02 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
19.95 | 12.07 | 10.27 | 9.77 | 10.30 | 7.69 | 7.86 | 7.17 | 9.05 | 8.30 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.09 | 0.12 | 0.12 | 0.13 | 0.14 | 0.10 | 0.10 | 0.11 | 0.18 | 0.15 |
Cash ROIC |
3.28% | 7.39% | 8.44% | 6.70% | 4.04% | 5.58% | 8.89% | 5.38% | 4.53% | 5.42% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
96,027.46 | 65,403.77 | 43,741.61 | 35,474.63 | 64,683.31 | 103,528.21 | 63,678.22 | 15,337.20 | 12,262.99 | 13,594.28 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,825.96 | 3,406.24 | 3,720.43 | 4,123.00 | 4,801.40 | 5,648.92 | 5,984.33 | 6,144.65 | 6,567.52 | 6,923.29 |
Average Assets |
3,554.99 | 4,392.70 | 4,769.60 | 5,182.64 | 5,858.71 | 6,729.46 | 7,172.22 | 7,501.32 | 7,954.52 | 8,282.66 |
Average Common Equity |
433.39 | 554.29 | 613.75 | 649.63 | 683.80 | 733.13 | 775.15 | 807.85 | 863.25 | 915.31 |
Columns are period end dates