Saturday 17 October 2026 Export UVSP’s income statement to Excel — free account

Univest Corporation of Pennsylvania

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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Market cap: $1.1B
P/E: 11.8×
Fwd P/E: 11.2×
Dividend yield: 2.18%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.04

Total sells 2.89

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	1	—	—	—	—	—	—	—	—
Sell	—	4	—	—	—	1	1	3	—	2	—	—

Insider Ownership 2.17%

Capital & Financial Ratios $m

Market Cap 1,130.00

Revenue 521.98

Net Income 98.43

Free Cash Flow 105.97

Net Debt (96.33)

Current Ratio 1.02

Debt/Equity 0.10

P/E ratio 11.82

Fwd P/E 11.20

P/S ratio 2.19

P/B ratio 1.20

Past 5Y EPS Growth 14.36%

This Y EPS Growth 21.73%

Next Y EPS Growth 3.94%

Next Y revenue growth (31.46%)

Next 5Y EPS Growth 9.77%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 55.40%

10-year low 10-year high

P/S against its own 10 years 37.85%

10-year low 10-year high

P/B against its own 10 years 76.37%

10-year low 10-year high

Dividends

Payout Ratio 0.26

Annual Dividend Rate 0.90

Annual Dividend Yield 2.18%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.91	0.22 0.23 0.23
2025	0.87	0.21 0.22 0.22 0.22
2024	0.84	0.21 0.21 0.21 0.21
2023	0.84	0.21 0.21 0.21 0.21
2022	0.83	0.20 0.21 0.21 0.21
2021	0.80	0.20 0.20 0.20 0.20
2020	0.60	0.20 0.20 0.20
2019	0.80	0.20 0.20 0.20 0.20
2018	0.80	0.20 0.20 0.20 0.20
2017	0.80	0.20 0.20 0.20 0.20
2016	0.80	0.20 0.20 0.20 0.20

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	250	329	554	195
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	6,838	7,197	7,509	7,279

	2023	2024	2025	Q'26
Payables	6,376	6,759	7,087	6,933
ST’ Debt	—	—	—	—
Other	—	—	—	—
	6,448	6,835	7,166	7,123

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	130	126	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.96	0.82	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	18.43	25.65	20.18	21.27	13.20	20.16	23.48	16.10	18.41	22.83	Analyst estimates 2026–2028 Powerpack
	High	31.50	32.35	30.15	27.80	26.98	30.95	31.93	29.05	32.75	35.65
People
People	Employees	840	855	841	873	896	920	973	979	949	960
	Revenue/emp, $m	0.22	0.26	0.30	0.32	0.32	0.32	0.34	0.46	0.53	0.54
Income, $m
Income, $m	Revenue	183	222	251	280	282	293	330	449	500	518
	Gross margin, %	93.22	91.07	87.06	83.95	89.52	92.71	89.73	66.17	59.80	63.29
	EBT	23	62	61	80	57	114	97	89	95	113
	EBT margin, %	12.81	27.81	24.21	28.64	20.16	39.03	29.45	19.77	19.04	21.87
	Net income	20	44	51	66	47	92	78	71	76	91
	Depreciation	5	7	7	7	8	6	5	6	9	7
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
	Earnings	0.85	1.64	1.72	2.24	1.60	3.12	2.66	2.42	2.60	3.16
	Cash flow	1.46	2.58	2.95	2.51	1.75	3.48	3.72	3.05	2.57	3.53
	Capex	(0.51)	0.00	(0.13)	(0.11)	(0.08)	0.05	(0.18)	(0.22)	(0.10)	(0.15)
	Free cash flow	0.94	2.58	2.82	2.40	1.67	3.53	3.55	2.83	2.47	3.38
	Book value	22.09	22.68	21.39	23.13	23.72	26.32	26.42	28.51	30.37	32.83
	Shares, m	23	27	29	29	29	29	29	29	29	29
Valuation, ×
Valuation, ×	P/E	34.19	17.10	12.47	11.96	12.86	9.59	9.75	9.09	11.35	10.39
	P/S	3.86	3.36	2.51	2.80	2.13	3.00	2.32	1.44	1.72	1.82
	P/B	1.40	1.24	1.01	1.16	0.87	1.14	0.99	0.77	0.97	1.00
	EV/Sales	4.06	4.14	3.03	3.23	2.39	0.63	2.59	1.91	1.81	0.94
	EV/FCF	34.43	13.41	9.24	12.88	13.85	1.77	8.21	10.28	12.59	5.00
Cash, $m
Cash, $m	Operating cash flow	33	69	86	73	51	102	109	90	75	102
	Capex	(12)	0	(4)	(3)	(2)	1	(5)	(6)	(3)	(4)
	Free cash flow	22	69	82	70	49	104	104	83	72	97
Balance, $m
Balance, $m	Working capital	(247)	16	7	99	233	83	123	391	362	342
	Total debt	94	250	240	245	294	194	243	459	374	299
	Net debt	36	175	130	120	74	(696)	90	209	45	(255)
	Shareholders’ equity	505	603	624	675	692	774	777	839	887	943
Returns, %
Returns, %	ROA	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
	ROE	4.46	7.88	8.18	10.08	6.85	12.52	10.08	8.80	8.80	9.92

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
OSBC Old Second Bancorp, Inc.	$1.3B	14.0×	9.9×	+32.87% (above 0%: growing)	+12.24% (above 0%: growing)	−31.22% (below 0%: shrinking)	84.39%	0.00%	Compare
PFBC Preferred Bank	$1.2B	9.4×	9.2×	+1.39% (above 0%: growing)	+10.55% (above 0%: growing)	−33.29% (below 0%: shrinking)	58.34%	0.00%	Compare
AMTB Amerant Bancorp Inc.	$1.1B	20.7×	12.7×	−9.98% (below 0%: shrinking)	−1.82% (below 0%: shrinking)	−30.03% (below 0%: shrinking)	65.49%	0.00%	Compare
UVSP Univest Corporation of Pennsylvania	$1.1B	11.8×	11.2×	−0.76% (below 0%: shrinking)	+20.29% (above 0%: growing)	+4.85% (above 0%: growing)	66.82%	0.00%
HFWA Heritage Financial Corporation	$1.1B	12.9×	13.5×	+33.70% (above 0%: growing)	+16.67% (above 0%: growing)	+0.66% (above 0%: growing)	78.63%	0.00%	Compare
MCB Metropolitan Bank Holding Corp.	$1.1B	10.9×	8.8×	+10.67% (above 0%: growing)	−12.92% (below 0%: shrinking)	−168.73% (below 0%: shrinking)	64.82%	0.00%	Compare
NBN Northeast Bancorp	$1.1B	9.7×	8.2×	+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	12.7×	12.1×	+18.93% (above 0%: growing)	+33.82% (above 0%: growing)	+32.43% (above 0%: growing)	64.63%	0.00%	Compare
CFFN Capitol Federal Financial	$1.0B	12.6×	11.9×	+6.50% (above 0%: growing)	+35.71% (above 0%: growing)	+45.71% (above 0%: growing)	53.81%	0.00%	Compare
Median of peers	$1.1B	12.6×	10.9×	+8.59%	+14.45%	−30.62%	64.73%	0.00%

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