UVSP UNIVEST FINANCIAL Corp

Overview and Growth

In fiscal 2025, UNIVEST FINANCIAL Corp recorded $328.06M of revenue and net income of $90.76M. Reported revenue of $328.06M establishes the scale of the bank’s recognized income for the year and provides context for comparing earnings with the financial resources employed. Revenue was 9.6% above fiscal 2024 revenue of $299.23M, marking a year-over-year increase. On a per-share basis, diluted EPS was $3.13, which connects the reported earnings outcome with the company’s diluted share count. The per-share result recorded a 21.3% increase from fiscal 2024 diluted EPS of $2.58. A diluted share base of 28.98M links the aggregate earnings figure to diluted EPS and helps frame the per-share comparison. Compared with 29.40M diluted shares in fiscal 2024, the current 28.98M base was 1.4% lower. The bank reported $8.44B of total assets, the resource base supporting its lending, investing, and other financial activities and the basis for assessing earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

Net income was $90.76M, providing the bank’s bottom-line earnings result for the fiscal year. Net margin was 27.7%, meaning that this portion of revenue remained as net income after all recognized expenses. Pretax income was $113.35M, isolating the reported earnings outcome before the income-tax provision recognized for the fiscal year. Pretax income represented 34.6% of revenue, placing earnings before tax in the context of the company’s operating scale. The reported income-tax provision was $22.59M, the amount recognized between pretax income and the final net-income result. Relative to pretax income, the tax provision measured 19.9%, quantifying the portion of pre-tax earnings paid in income tax. The relationship between net income and period-end equity was 9.6%, indicating the profitability achieved on book capital. The net-income-to-assets relationship measured 1.1%, showing earnings relative to the full balance sheet. The company moved from fiscal 2024 net income of $75.93M to $90.76M, with the current outcome ending above that comparison. The balance-sheet-intensive banking model makes net income, return on assets, and return on equity the most relevant links between earnings and financial scale. Return on assets connects earnings to the full financial balance sheet, while return on equity shows the result relative to shareholder capital; together they separate operating scale from capitalization and clarify the relationship between them.

Liquidity and Capital Structure

Total assets were $8.44B, supported by $7.49B of liabilities and $943.32M of shareholder equity. Cash and equivalents totaled $553.71M, identifying the most liquid reported component available within the broader current-asset balance. The equity-to-assets relationship was 11.2%, placing book capital against the total resource base. The liabilities-to-assets relationship was 88.8%, placing reported obligations against the full positive asset balance. Measured against total assets, cash and equivalents represented 6.6%, a balance-sheet composition measure rather than a liquidity forecast. The asset base changed 3.8% from $8.13B in fiscal 2024, leaving current total assets higher year over year. Reported equity changed 6.3% from $887.30M in fiscal 2024, placing the current capital base higher year over year. The reported cash balance changed 68.4% from $328.84M in fiscal 2024, ending higher year over year. Equity capitalization is particularly important for a bank because it provides the loss-absorbing layer beneath a predominantly liability-funded balance sheet. Reading changes in assets and equity together shows how the bank’s operating scale and book-capital base developed over the year.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.