Univest Financial Corp - Understand $uvsp stock

$UVSP Market Cap: $935.5 Million

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Financial Snapshot

Revenue

$304.9M

TTM

Gross Margin

Net Earnings

$179.7M

TTM

Current Assets

Current Liabilities

$100.4M

Q3 2024

Current Ratio

Total Assets

$8.206B

Q3 2024

Total Liabilities

$7.329B

Q3 2024

Book Value

$877.1M

Q3 2024

Cash

$504.7M

Q3 2024

P/E

5.206

Nov 29, 2024 EST

Free Cash Flow

$70.97M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987
Revenue	$371.7M	$252.2M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$80.65M	$85.47M
YoY Change	47.4%										-100.0%	-5.63%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$371.7M	$252.2M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$80.65M	$85.47M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$5.057M	$4.465M	$4.700M	$4.800M	$5.300M	$5.600M	$5.600M	$4.100M	$3.800M	$3.200M	$2.900M	$2.900M	$2.600M	$2.500M	$2.400M	$2.200M	$2.000M	$2.200M	$2.000M	$2.000M	$1.900M	$1.700M	$2.500M	$2.300M	$2.300M	$2.500M	$2.400M	$2.200M	$1.700M	$1.500M	$1.300M	$1.300M	$1.200M	$1.000M	$1.200M	$1.400M
YoY Change	13.26%	-5.0%	-2.08%	-9.43%	-5.36%	0.0%	36.59%	7.89%	18.75%	10.34%	0.0%	11.54%	4.0%	4.17%	9.09%	10.0%	-9.09%	10.0%	0.0%	5.26%	11.76%	-32.0%	8.7%	0.0%	-8.0%	4.17%	9.09%	29.41%	13.33%	15.38%	0.0%	8.33%	20.0%	-16.67%	-14.29%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$151.7M	$33.90M	$21.35M	$29.58M	$44.86M	$32.43M	$19.84M	$12.38M	$8.065M	$3.996M	$5.117M	$8.174M	$10.73M
YoY Change	347.64%	58.78%	-27.84%	-34.05%	38.35%	63.45%	60.22%	53.53%	101.83%	-21.91%	-37.4%	-23.81%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987
Pretax Income	$88.69M	$97.21M	$114.3M	$56.90M	$80.05M	$60.69M	$61.81M	$23.39M	$37.03M	$29.68M	$26.89M	$26.42M	$23.66M	$19.00M	$11.30M	$26.40M	$34.90M	$34.80M	$33.80M	$31.90M	$31.30M	$28.70M	$26.20M	$24.10M	$22.40M	$20.50M	$19.20M	$17.10M	$16.20M	$14.70M	$13.50M	$11.70M	$10.70M	$9.900M	$9.300M	$7.900M	$5.500M
YoY Change	-8.77%	-14.97%	100.94%	-28.93%	31.91%	-1.82%	164.31%	-36.84%	24.75%	10.39%	1.75%	11.69%	24.52%	68.14%	-57.2%	-24.36%	0.29%	2.96%	5.96%	1.92%	9.06%	9.54%	8.71%	7.59%	9.27%	6.77%	12.28%	5.56%	10.2%	8.89%	15.38%	9.35%	8.08%	6.45%	17.72%	43.64%	17.02%
Income Tax	$17.59M	$19.09M	$22.53M	$9.981M	$14.33M	$10.14M	$17.72M	$3.881M	$9.758M	$7.448M	$5.696M	$5.551M	$4.776M	$3.300M	$600.0K	$5.800M	$9.400M	$9.400M	$8.900M	$8.300M	$8.200M	$7.600M	$7.000M	$6.800M	$6.600M	$6.000M	$6.000M	$5.000M	$5.000M	$4.500M	$4.100M	$3.300M	$3.000M	$2.500M	$2.100M	$1.400M	$700.0K
% Of Pretax Income	19.83%	19.64%	19.71%	17.54%	17.91%	16.71%	28.66%	16.6%	26.35%	25.1%	21.19%	21.01%	20.19%	17.37%	5.31%	21.97%	26.93%	27.01%	26.33%	26.02%	26.2%	26.48%	26.72%	28.22%	29.46%	29.27%	31.25%	29.24%	30.86%	30.61%	30.37%	28.21%	28.04%	25.25%	22.58%	17.72%	12.73%
Net Earnings	$71.10M	$78.12M	$91.80M	$46.92M	$65.72M	$50.54M	$44.09M	$19.51M	$27.27M	$22.23M	$21.19M	$20.87M	$18.88M	$15.80M	$10.80M	$20.60M	$25.60M	$25.40M	$24.90M	$23.60M	$23.10M	$21.10M	$19.20M	$17.30M	$15.80M	$14.50M	$13.20M	$12.00M	$11.20M	$10.10M	$8.800M	$8.400M	$7.700M	$7.500M	$7.200M	$6.500M	$4.800M
YoY Change	-8.98%	-14.9%	95.67%	-28.61%	30.03%	14.63%	126.07%	-28.47%	22.66%	4.92%	1.52%	10.54%	19.51%	46.3%	-47.57%	-19.53%	0.79%	2.01%	5.51%	2.16%	9.48%	9.9%	10.98%	9.49%	8.97%	9.85%	10.0%	7.14%	10.89%	14.77%	4.76%	9.09%	2.67%	4.17%	10.77%	35.42%	-2.04%
Net Earnings / Revenue	19.13%	30.98%										25.88%	22.09%
Basic Earnings Per Share	$2.42	$2.66	$3.12	$1.60	$2.24	$1.72	$1.64	$0.85	$1.39	$1.37	$1.28	$1.25	$1.13
Diluted Earnings Per Share	$2.41	$2.658M	$3.11	$1.60	$2.24	$1.72	$1.64	$0.84	$1.39	$1.37	$1.28	$1.24	$1.13	$951.8K	$755.2K	$1.597M	$1.984M	$1.954M	$1.915M	$1.802M	$1.777M	$1.611M	$1.433M	$1.263M	$1.105M	$973.2K	$862.7K	$779.2K	$722.6K	$655.8K	$571.4K	$545.5K	$500.0K	$487.0K	$467.5K	$422.1K	$309.7K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$83.24M	$81.00M	$87.30M	$90.00M	$91.10M	$59.60M	$61.80M	$63.60M	$42.20M	$37.00M	$34.10M	$33.20M	$34.30M	$34.60M	$34.20M	$32.60M	$28.00M	$21.90M	$21.60M	$19.80M	$19.50M	$16.00M	$16.00M	$15.50M	$15.40M	$15.80M	$16.60M	$16.80M	$16.20M	$13.90M	$12.60M	$11.50M	$11.60M	$11.20M	$7.500M	$7.400M	$5.800M
YoY Change	2.76%	-7.22%	-3.0%	-1.21%	52.85%	-3.56%	-2.83%	50.71%	14.05%	8.5%	2.71%	-3.21%	-0.87%	1.17%	4.91%	16.43%	27.85%	1.39%	9.09%	1.54%	21.88%	0.0%	3.23%	0.65%	-2.53%	-4.82%	-1.19%	3.7%	16.55%	10.32%	9.57%	-0.86%	3.57%	49.33%	1.35%	27.59%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$3.293M	$2.579M	$3.000M	$3.300M	$2.600M	$2.200M
YoY Change	27.69%	-14.03%	-9.09%	26.92%	18.18%
Other Assets	$21.79M	$24.13M	$11.40M	$16.50M	$3.600M	$3.600M	$1.200M	$10.00M	$10.50M	$10.80M	$12.30M
YoY Change	-9.68%	111.66%	-30.91%	358.33%	0.0%	200.0%	-88.0%	-4.76%	-2.78%	-12.2%
Total Long-Term Assets
YoY Change
Total Assets	$7.777B	$7.222B	$7.122B	$6.337B	$5.381B	$4.984B	$4.555B	$4.231B	$2.880B	$2.235B	$2.192B	$2.305B	$2.207B	$2.134B	$2.085B	$2.085B	$1.973B	$1.930B	$1.769B	$1.667B	$1.657B	$1.327B	$1.261B	$1.205B	$1.121B	$1.071B	$973.2M	$912.5M	$881.9M	$847.2M	$789.9M	$791.3M	$756.5M	$746.9M	$561.1M	$521.9M	$456.9M
YoY Change
Accounts Payable		$68.14M	$46.10M	$52.20M	$44.50M	$44.60M	$41.00M	$50.00M	$49.90M	$47.50M	$29.30M	$38.00M	$47.40M	$37.50M	$39.30M	$41.50M	$32.40M	$30.50M	$32.80M	$23.30M	$24.20M	$28.70M	$25.30M	$23.00M	$17.40M	$19.70M	$17.10M	$13.60M	$16.60M	$13.60M	$8.600M	$8.400M	$9.800M	$10.90M	$9.100M	$8.900M	$7.200M
YoY Change		47.8%	-11.69%	17.3%	-0.22%	8.78%	-18.0%	0.2%	5.05%	62.12%	-22.89%	-19.83%	26.4%	-4.58%	-5.3%	28.09%	6.23%	-7.01%	40.77%	-3.72%	-15.68%	13.44%	10.0%	32.18%	-11.68%	15.2%	25.74%	-18.07%	22.06%	58.14%	2.38%	-14.29%	-10.09%	19.78%	2.25%	23.61%
Accrued Expenses	$97.16M	$33.15M	$33.50M	$37.70M	$37.60M	$44.60M	$41.00M	$50.00M	$49.90M	$47.50M	$29.30M	$38.00M	$47.40M	$37.50M	$39.30M	$41.50M	$32.40M	$30.50M	$32.80M	$23.30M	$24.20M	$28.70M	$25.30M	$23.00M	$17.40M	$19.70M	$17.10M	$13.60M	$16.60M	$13.60M	$8.600M	$8.400M	$9.800M	$10.90M	$9.100M	$8.900M	$7.200M
YoY Change	193.07%	-1.04%	-11.14%	0.27%	-15.7%	8.78%	-18.0%	0.2%	5.05%	62.12%	-22.89%	-19.83%	26.4%	-4.58%	-5.3%	28.09%	6.23%	-7.01%	40.77%	-3.72%	-15.68%	13.44%	10.0%	32.18%	-11.68%	15.2%	25.74%	-18.07%	22.06%	58.14%	2.38%	-14.29%	-10.09%	19.78%	2.25%	23.61%
Deferred Revenue
YoY Change
Short-Term Debt	$6.306M	$197.1M	$20.10M	$17.90M	$18.70M	$189.8M	$105.4M	$196.2M	$24.20M	$42.00M	$37.30M	$96.30M	$109.7M	$114.9M	$183.4M	$192.7M	$94.30M	$117.7M	$108.3M	$121.9M	$129.6M	$89.50M	$91.60M	$68.50M	$72.10M	$64.00M	$49.50M	$60.70M	$46.80M	$44.90M	$29.30M	$31.90M	$26.80M	$33.60M	$25.30M	$23.00M	$19.80M
YoY Change	-96.8%	880.8%	12.29%	-4.28%	-90.15%	80.08%	-46.28%	710.74%	-42.38%	12.6%	-61.27%	-12.22%	-4.53%	-37.35%	-4.83%	104.35%	-19.88%	8.68%	-11.16%	-5.94%	44.8%	-2.29%	33.72%	-4.99%	12.66%	29.29%	-18.45%	29.7%	4.23%	53.24%	-8.15%	19.03%	-20.24%	32.81%	10.0%	16.16%
Long-Term Debt Due																							$0.00	$7.000M	$0.00
YoY Change																							-100.0%
Total Short-Term Liabilities	$103.5M	$101.3M	$79.60M	$89.90M	$82.10M	$44.60M	$41.00M	$50.00M	$49.90M	$47.50M	$29.30M	$38.00M	$47.40M	$37.50M	$39.30M	$41.50M	$32.40M	$30.50M	$32.80M	$23.30M	$24.20M	$28.70M	$25.30M	$30.00M	$17.40M	$19.70M	$17.10M	$13.60M	$16.60M	$13.60M	$8.600M	$8.400M	$9.800M	$10.90M	$9.100M	$8.900M	$7.200M
YoY Change	2.15%	27.25%	-11.46%	9.5%	84.08%	8.78%	-18.0%	0.2%	5.05%	62.12%	-22.89%	-19.83%	26.4%	-4.58%	-5.3%	28.09%	6.23%	-7.01%	40.77%	-3.72%	-15.68%	13.44%	-15.67%	72.41%	-11.68%	15.2%	25.74%	-18.07%	22.06%	58.14%	2.38%	-14.29%	-10.09%	19.78%	2.25%	23.61%
Long-Term Debt	$458.8M	$243.3M	$98.90M	$183.5M	$244.9M	$239.9M	$250.2M	$221.6M	$49.40M	$0.00	$0.00	$21.00M	$22.50M	$24.00M	$25.50M	$27.40M	$28.90M	$30.40M	$31.90M	$33.40M	$34.30M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$7.500M	$9.500M	$10.20M	$700.0K	$700.0K	$700.0K
YoY Change	88.59%	145.97%	-46.1%	-25.07%	2.08%	-4.12%	12.91%	348.58%			-100.0%	-6.67%	-6.25%	-5.88%	-6.93%	-5.19%	-4.93%	-4.7%	-4.49%	-2.62%											-100.0%	-21.05%	-6.86%	1357.14%	0.0%	0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities	$458.8M	$243.3M	$98.90M	$183.5M	$244.9M	$239.9M	$250.2M	$221.6M	$49.40M	$0.00	$0.00	$21.00M	$22.50M	$24.00M	$25.50M	$27.40M	$28.90M	$30.40M	$31.90M	$33.40M	$34.30M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$7.500M	$9.500M	$10.20M	$700.0K	$700.0K	$700.0K
YoY Change	88.59%	145.97%	-46.1%	-25.07%	2.08%	-4.12%	12.91%	348.58%			-100.0%	-6.67%	-6.25%	-5.88%	-6.93%	-5.19%	-4.93%	-4.7%	-4.49%	-2.62%											-100.0%	-21.05%	-6.86%	1357.14%	0.0%	0.0%
Total Liabilities	$6.938B	$6.446B	$6.349B	$5.644B	$4.706B	$4.360B	$3.952B	$3.725B	$2.518B	$1.951B	$1.911B	$2.021B	$1.934B	$1.868B	$1.818B	$1.882B	$1.774B	$1.744B	$1.596B	$1.507B	$1.511B	$1.192B	$1.139B	$1.090B	$1.018B	$967.3M	$868.6M	$815.2M	$792.6M	$767.0M	$717.0M	$725.1M	$696.7M	$693.4M	$513.2M	$479.9M	$419.8M
YoY Change	7.64%	1.53%	12.48%	19.94%	7.93%	10.34%	6.07%	47.95%	29.07%	2.08%	-5.42%	4.48%	3.54%	2.76%	-3.4%	6.08%	1.7%	9.27%	5.95%	-0.32%	26.75%	4.68%	4.55%	7.0%	5.26%	11.36%	6.55%	2.85%	3.34%	6.97%	-1.12%	4.08%	0.48%	35.11%	6.94%	14.32%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	29.43M shares	29.39M shares	29.40M shares	29.20M shares	29.19M shares	29.18M shares	26.61M shares	22.87M shares	19.49M shares	16.06M shares	16.42M shares	16.76M shares	16.74M shares
Diluted Shares Outstanding	29.53M shares	29.55M shares	29.55M shares	29.27M shares	29.26M shares	29.26M shares	26.71M shares	22.93M shares	19.52M shares	16.08M shares	16.43M shares	16.82M shares	16.74M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $935.47 Million

About UNIVEST FINANCIAL Corp

Univest Financial Corp. is a holding company, which engages in the provision of financial solutions for individuals, businesses, municipalities, and non-profit organizations. The company is headquartered in Souderton, Pennsylvania and currently employs 979 full-time employees. The Bank is a state-chartered bank and trust company. The firm has three segments: Banking, Wealth Management and Insurance. Banking segment provides financial services to individuals, businesses, municipalities and non-profit organizations. These services include a full range of banking services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing. Wealth Management segment offers investment advisory, financial planning, trust and brokerage services. The segment serves a diverse client base of private families and individuals, municipal pension plans, retirement plans, trusts and guardianships. Insurance segment includes a full-service insurance brokerage agency offering commercial property and casualty insurance, employee benefit solutions, personal insurance lines and human resources consulting.

Industry: State Commercial Banks Peers: Amalgamated Financial Corp. Bank First Corp FARMERS & MERCHANTS BANCORP FIRST BANCSHARES INC /MS/ GREAT SOUTHERN BANCORP, INC. HANMI FINANCIAL CORP HERITAGE COMMERCE CORP Metropolitan Bank Holding Corp. PNC FINANCIAL SERVICES GROUP, INC. REPUBLIC BANCORP INC /KY/