UVSP

MKT CAP:$1B

Univest Financial Corporation

Market Cap

$1B

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$37.51+$5.23 (+16.20%)

Apr 23, 2026

Company Details

Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in Pennsylvania. It operates through three segments: Banking, Wealth Management, and Ins...

CEO

Jeffrey Schweitzer

IPO Date

Apr 16, 1998

Website

www.univest.net

Key Metrics TTM

Revenue

$522M

+4.0% YoY

Net Income

$95M

EPS (Diluted)

$3.34

Free Cash Flow

$92M

Revenue / Share

$18.50

Gross Margin

62.2%

Operating Margin

22.8%

Net Margin

18.3%

FCF Margin

17.7%

P/S

2.1x

P/E

11.3x

Earnings Reports

Q1 2026

Mar 30, 2026

$130M+3.0%EPS $0.96

FY 2025

Feb 23, 2026

$518M+3.6%EPS $3.16

Q4 2025

Feb 23, 2026

$134M+3.8%EPS $0.80

Q3 2025

Oct 24, 2025

$132M+3.9%EPS $0.89

Q2 2025

Jul 29, 2025

$127M+5.3%EPS $0.69

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$76M	$64M	$16M
Q3 22	$85M	$73M	$26M
Q4 22	$98M	$77M	$30M
Q1 23	$103M	$76M	$26M
Q2 23	$110M	$71M	$21M
Q3 23	$116M	$70M	$21M
Q4 23	$120M	$69M	$20M
Q1 24	$124M	$76M	$26M
Q2 24	$121M	$71M	$23M
Q3 24	$127M	$72M	$23M
Q4 24	$129M	$74M	$24M
Q1 25	$126M	$77M	$28M
Q2 25	$127M	$75M	$25M
Q3 25	$132M	$83M	$32M
Q4 25	$134M	$81M	$29M
Q1 26	$130M	$85M	$33M

Valuation

Quarter	P/S	P/E
Q2 22	2.6x	10.6x
Q3 22	2.3x	9.7x
Q4 22	2.3x	9.6x
Q1 23	1.9x	8.8x
Q2 23	1.3x	6.5x
Q3 23	1.2x	6.5x
Q4 23	1.4x	8.6x
Q1 24	1.3x	8.5x
Q2 24	1.4x	9.2x
Q3 24	1.7x	11.2x
Q4 24	1.7x	11.4x
Q1 25	1.6x	10.6x
Q2 25	1.7x	10.9x
Q3 25	1.7x	10.0x
Q4 25	1.8x	10.5x
Q1 26	1.8x	10.1x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$24M	$23M
Q2 22	$36M	$34M
Q3 22	$24M	$22M
Q4 22	$26M	$24M
Q1 23	$21M	$18M
Q2 23	$19M	$18M
Q3 23	$22M	$21M
Q4 23	$28M	$26M
Q1 24	$12M	$11M
Q2 24	-$3M	-$4M
Q3 24	$39M	$38M
Q4 24	$28M	$27M
Q1 25	$16M	$14M
Q2 25	$23M	$22M
Q3 25	$32M	$31M
Q4 25	$31M	$25M

Capital Expenditures

Quarter	CapEx
Q1 22	$676.0K
Q2 22	$1M
Q3 22	$2M
Q4 22	$2M
Q1 23	$3M
Q2 23	$2M
Q3 23	$946.0K
Q4 23	$2M
Q1 24	$1M
Q2 24	$812.0K
Q3 24	$615.0K
Q4 24	$637.0K
Q1 25	$2M
Q2 25	$1M
Q3 25	$622.0K
Q4 25	$5M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+4.2%	+26.4%
Q3 22	+14.5%	+22.7%
Q4 22	+37.0%	+37.9%
Q1 23	+43.6%	+65.3%
Q2 23	+45.2%	+50.2%
Q3 23	+36.5%	+60.6%
Q4 23	+22.5%	+45.8%
Q1 24	+20.7%	+28.4%
Q2 24	+9.9%	+10.3%
Q3 24	+9.3%	+9.2%
Q4 24	+7.5%	+5.6%
Q1 25	+1.3%	-0.4%
Q2 25	+5.3%	+4.0%
Q3 25	+3.9%	-3.6%
Q4 25	+3.8%	-0.0%
Q1 26	+3.0%	-2.2%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$934.0K	1.3%
Q2 22	$1M	1.3%
Q3 22	$1M	1.2%
Q4 22	$1M	1.1%
Q1 23	$1M	1.1%
Q2 23	$1M	0.9%
Q3 23	$1M	1.0%
Q4 23	$965.0K	0.8%
Q1 24	$1M	0.8%
Q2 24	$1M	1.0%
Q3 24	$1M	0.9%
Q4 24	$1M	0.9%
Q1 25	$1M	0.8%
Q2 25	$1M	0.9%
Q3 25	$1M	0.9%
Q4 25	$1M	1.0%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$30M	$693.0K
Q3 22	$30M	$605.0K
Q4 22	$30M	$739.0K
Q1 23	$32M	$371.0K
Q2 23	$31M	$622.0K
Q3 23	$31M	$555.0K
Q4 23	$31M	$632.0K
Q1 24	$32M	$416.0K
Q2 24	$31M	$715.0K
Q3 24	$32M	$490.0K
Q4 24	$33M	$552.0K
Q1 25	$32M	$353.0K
Q2 25	$2M	$498.0K
Q3 25	$33M	$323.0K
Q4 25	$37M	—
Q1 26	$38M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$95M	$351M	$446M
Q3 22	$113M	$347M	$461M
Q4 22	$153M	$350M	$503M
Q1 23	$138M	$368M	$506M
Q2 23	$140M	$356M	$497M
Q3 23	$290M	$335M	$625M
Q4 23	$250M	$352M	$601M
Q1 24	$202M	$351M	$552M
Q2 24	$191M	$343M	$534M
Q3 24	$505M	$354M	$859M
Q4 24	$329M	$8M	$337M
Q1 25	$169M	$8M	$177M
Q2 25	$160M	$9M	$169M
Q3 25	$817M	$7M	$824M
Q4 25	$554M	$9M	$562M
Q1 26	$70M	$0	$70M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	30M	-0.5%	+0.2%
Q3 22	29M	-0.6%	-0.4%
Q4 22	29M	-0.0%	-0.1%
Q1 23	30M	+0.3%	-0.8%
Q2 23	30M	-0.0%	-0.3%
Q3 23	30M	+0.2%	+0.4%
Q4 23	30M	-0.0%	+0.4%
Q1 24	30M	+0.0%	+0.2%
Q2 24	29M	-0.7%	-0.5%
Q3 24	29M	-0.0%	-0.7%
Q4 24	29M	-0.9%	-1.6%
Q1 25	29M	+1.1%	-0.6%
Q2 25	29M	-1.2%	-1.0%
Q3 25	29M	-0.3%	-1.3%
Q4 25	28M	-2.0%	-2.4%
Q1 26	28M	-0.5%	-4.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$82.3K	920
Q3 22	$92.2K	920
Q4 22	$100.6K	973
Q1 23	$105.8K	973
Q2 23	$113.0K	973
Q3 23	$119.0K	973
Q4 23	$122.4K	979
Q1 24	$126.9K	979
Q2 24	$123.4K	979
Q3 24	$129.3K	979
Q4 24	$135.7K	949
Q1 25	$132.6K	949
Q2 25	$134.0K	949
Q3 25	$138.6K	949
Q4 25	$139.3K	960
Q1 26	$135.0K	960

Revenue / Employee