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Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking; Wealth Management; and Insurance. The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing. The Wealth Management segment provides investment advisory, financial planning and trust, and brokerage services for private families and individuals, municipal pension plans, retirement plans, trusts, and guardianships. The Insurance segment offers full-service insurance brokerage agency comprising commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting services. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $328M | - | $91M | $97M | 9.6% | 9.6% | 19.5% |
| 2024 | $299M | - | $76M | $72M | 8.6% | 0.8% | 6.8% |
| 2023 | $297M | - | $71M | $83M | 8.5% | 0.2% | -9.0% |
| 2022 | $296M | - | $78M | $104M | 10.1% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 296.18 | 296.82 | 299.23 | 328.06 |
| Operating Revenue | - | 296.18 | 296.82 | 299.23 | 328.06 |
| Selling General And Administration | - | 121.34 | 127.19 | 130.35 | 133.20 |
| Interest Income | - | 252.19 | 371.73 | 412.36 | 430.49 |
| Interest Expense | - | 33.90 | 151.73 | 201.18 | 190.29 |
| Net Interest Income | - | 218.30 | 220 | 211.17 | 240.20 |
| Pretax Income | - | 97.21 | 88.69 | 95.30 | 113.35 |
| Tax Provision | - | 19.09 | 17.58 | 19.37 | 22.59 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -0.04 | -0.30 | 0 | 0 |
| Net Income Continuous Operations | - | 78.12 | 71.10 | 75.93 | 90.76 |
| Net Income From Continuing And Discontinued Operation | - | 78.12 | 71.10 | 75.93 | 90.76 |
| Net Income From Continuing Operation Net Minority Interest | - | 78.12 | 71.10 | 75.93 | 90.76 |
| Net Income | - | 78.12 | 71.10 | 75.93 | 90.76 |
| Net Income Common Stockholders | - | 78.12 | 71.10 | 75.93 | 90.76 |
| Net Income Including Noncontrolling Interests | - | 78.12 | 71.10 | 75.93 | 90.76 |
| Normalized Income | - | 78.27 | 72.32 | 75.93 | 90.76 |
| Diluted NI Availto Com Stockholders | - | 78.12 | 71.10 | 75.93 | 90.76 |
| Basic Average Shares | - | 29.39 | 29.43 | 29.22 | 28.73 |
| Diluted Average Shares | - | 29.59 | 29.50 | 29.43 | 29 |
| Reconciled Depreciation | - | 3.77 | 4.65 | 7.47 | 6.02 |
| Total Unusual Items | - | -0.18 | -1.52 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | - | -0.18 | -1.52 | 0 | 0 |
| Special Income Charges | - | -0.18 | -1.52 | 0 | 0 |
| Restructuring And Mergern Acquisition | - | 0.18 | 1.52 | 0 | 0 |
| Gain On Sale Of Security | - | 0.03 | 0 | 0.02 | 0 |
| General And Administrative Expense | - | 118.88 | 125.01 | 128.18 | 131.55 |
| Other Gand A | 12.74 | - | - | - | - |
| Salaries And Wages | - | 115.81 | 120.19 | 123.74 | 127.02 |
| Insurance And Claims | - | 3.08 | 4.82 | 4.43 | 4.53 |
| Selling And Marketing Expense | - | 2.46 | 2.18 | 2.17 | 1.65 |
| Otherunder Preferred Stock Dividend | 0.03 | - | - | - | - |
| Occupancy And Equipment | - | 14.10 | 14.82 | 15.48 | 15.44 |
| Professional Expense And Contract Services Expense | - | 9.33 | 7.14 | 6.40 | 7.22 |
| Other Non Interest Expense | - | 41.82 | 46.69 | 45.76 | 47.18 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Univest Financial Corporationthis co. | UVSP | $1.1B | 12.37↓ discount | 1.19 | 9.6% | - |
| Strive Asset Management, LLC | ASST | $1.2B | - | 2.03 | -3.0% | - |
| Exzeo Group, Inc. | XZO | $1.1B | 13.79 | 4.49 | 32.6% | 7.44 |
| Heritage Financial Corporation | HFWA | $1.1B | 16.86 | 1.24 | 7.3% | - |
| Preferred Bank | PFBC |
| - |
| - |
| - |
| - |
| - |
| - |
| $1.1B |
| 8.51 |
| 1.44 |
| 16.9% |
| - |
| United Fire Group, Inc. | UFCS | $1.1B | 9.51 | 1.19 | 12.6% | - |
| Metropolitan Bank Holding Corp. | MCB | $1.1B | 15.75 | 1.51 | 9.6% | - |
| Old Second Bancorp, Inc. | OSBC | $1.1B | 13.72 | 1.23 | 9.0% | - |
| Coastal Financial Corporation | CCB | $1.1B | 22.81 | 2.18 | 9.6% | - |
| Peer Median | - | 13.79 | 1.47 | 9.6% | 7.44 | |