UVSP FY 2025 Earnings Report — Univest Financial Corporation Revenue & Financial Results | Market Cap Arena

Univest Financial CorporationUVSP

FY 2025 Earnings

Reported February 23, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$518M	—	$500M	—	3.6%
Op. Income	$113M	—	$95M	—	18.9%
Gross Margin	61.0%	—	58.6%	—	2.4pp
Net Margin	17.5%	—	15.2%	—	2.3pp
EPS (Diluted)	$3.16	—	$2.58	—	22.5%
Free Cash Flow	$97M	—	$72M	—	34.6%

Revenue Flow

Item	Amount
REVENUE	$518M
Cost of Revenue	$202M
GROSS PROFIT	$316M
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$142M
SG&A Expenses	$142M
Other Expenses	$61M
Operating Expenses	$203M
Cost & Expenses	$405M
OPERATING INCOME	$113M
Interest Income	$430M
Interest Expense	$190M
Other Income/Expenses	$0
INCOME BEFORE TAX	$113M
Income Tax Expense	$23M
Net Income from Continuing Ops	$91M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$91M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$91M
D&A	$6M
EBIT	$113M
EBITDA	$120M
EPS	$3
EPS Diluted	$3

Income Statement

Item	Amount
REVENUE	$518M
Cost of Revenue	$202M
GROSS PROFIT	$316M
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$142M
SG&A Expenses	$142M
Other Expenses	$61M
Operating Expenses	$203M
Cost & Expenses	$405M
OPERATING INCOME	$113M
Interest Income	$430M
Interest Expense	$190M
Other Income/Expenses	$0
INCOME BEFORE TAX	$113M
Income Tax Expense	$23M
Net Income from Continuing Ops	$91M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$91M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$91M
D&A	$6M
EBIT	$113M
EBITDA	$120M
EPS	$3
EPS Diluted	$3

Cash Flow Statement

Item	Amount
Net Income	$91M
Depreciation & Amortization	$6M
Stock-Based Compensation	$5M
Deferred Income Tax	$508.0K
Other Non-Cash Items	$3M
Change in Working Capital	-$4M
OPERATING CASH FLOW	$102M
Capital Expenditure	-$5M
Acquisitions (Net)	$0
Purchases of Investments	-$60M
Sales/Maturities of Investments	$76M
Other Investing Activities	-$95M
NET CASH FROM INVESTING	-$84M
Net Debt Issuance	-$63M
Common Stock Repurchased	-$35M
Common Dividends Paid	-$25M
Other Financing Activities	$328M
NET CASH FROM FINANCING	$207M
FREE CASH FLOW	$97M
Net Change in Cash	$225M

Balance Sheet

Item	Amount
Cash & Equivalents	$554M
Short-Term Investments	$9M
Net Receivables	$30M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$606M
PP&E (Net)	$71M
Goodwill	$176M
Intangible Assets	$7M
Long-Term Investments	$7.1B
Tax Assets	$16M
Other Non-Current Assets	$461M
TOTAL NON-CURRENT ASSETS	$7.8B
TOTAL ASSETS	$8.4B
Account Payables	$20M
Short-Term Debt	$24M
Deferred Revenue	$0
Other Current Liabilities	$7.1B
TOTAL CURRENT LIABILITIES	$7.2B
Long-Term Debt	$299M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$11M
TOTAL NON-CURRENT LIABILITIES	$338M
TOTAL LIABILITIES	$7.5B
Common Stock	$158M
Additional Paid-In Capital	$304M
Retained Earnings	$591M
Treasury Stock	-$84M
Accum. Other Comp. Income	-$25M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$943M
Minority Interest	$0
TOTAL EQUITY	$943M
TOTAL LIABILITIES & EQUITY	$8.4B
Total Debt	$352M
Net Debt	-$202M