UNIVEST FINANCIAL Corp's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), UNIVEST FINANCIAL Corp reported net income of $90.8M (+19.5% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and fees on loans and leases | $397.8M | $383.3M | $347.9M | $237.2M |
| Taxable | $15.9M | $14.9M | $14.2M | $11.4M |
| Exempt from federal income taxes | $4.0K | $33.0K | $58.0K | $58.0K |
| Interest on deposits with other banks | $13.9M | $11.2M | $6.7M | $1.9M |
| Interest and dividends on other earning assets | $2.8M | $2.9M | $2.9M | $1.6M |
| Total interest income | $430.5M | $412.4M | $371.7M | $252.2M |
| Interest on demand deposits | $106.2M | $113.1M | $87.8M | $18.8M |
| Interest on savings deposits | $4.0M | $3.5M | $3.2M | $1.3M |
| Interest on time deposits | $61.8M | $64.3M | $35.0M | $5.3M |
| Interest on short-term borrowings | $19.0K | $249.0K | $7.1M | $1.4M |
| Interest on long-term debt and subordinated notes | $18.3M | $20.1M | $18.6M | $7.1M |
| Total interest expense | $190.3M | $201.2M | $151.7M | $33.9M |
| Net interest income (expense) | $240.2M | $211.2M | $220.0M | $218.3M |
| Provision for credit losses | $11.7M | $5.9M | $10.8M | $12.2M |
| Net interest income after provision for credit losses | $228.5M | $205.2M | $209.2M | $206.1M |
| Noninterest income | $51.6M | $52.5M | $46.0M | $46.1M |
| Insurance commission and fee income | $22.4M | $22.3M | $21.0M | $19.1M |
| Bank owned life insurance income | $5.8M | $3.9M | $3.2M | $3.8M |
| Net gain on sales of investment securities | $0 | $18.0K | $0 | $30.0K |
| Net gain on mortgage banking activities | $3.4M | $5.3M | $3.7M | $4.4M |
| Other income | $4.6M | $4.0M | $2.9M | $4.5M |
| Total noninterest income | $87.9M | $88.1M | $76.8M | $77.9M |
| Salaries, benefits and commissions | $127.0M | $123.7M | $120.2M | $115.8M |
| Net occupancy | $11.1M | $11.0M | $10.7M | $10.2M |
| Equipment | $4.3M | $4.5M | $4.1M | $3.9M |
| Data processing | $17.4M | $17.0M | $16.8M | $15.2M |
| Professional fees | $7.2M | $6.4M | $7.1M | $9.3M |
| Marketing and advertising | $1.7M | $2.2M | $2.2M | $2.5M |
| Deposit insurance premiums | $4.5M | $4.4M | $4.8M | $3.1M |
| Intangible expenses | $469.0K | $694.0K | $938.0K | $1.3M |
| Restructuring charges | $0 | $0 | $1.5M | $184.0K |
| Other expense | $29.3M | $28.1M | $29.0M | $25.3M |
| Total noninterest expense | $203.0M | $198.0M | $197.4M | $186.8M |
| Income before income taxes | $113.3M | $95.3M | $88.7M | $97.2M |
| Income tax expense | $22.6M | $19.4M | $17.6M | $19.1M |
| Net income | $90.8M | $75.9M | $71.1M | $78.1M |
| Basic (in dollars per share) | $3.16 | $2.60 | $2.42 | $2.66 |
| Diluted (in dollars per share) | $3.13 | $2.58 | $2.41 | $2.64 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Interest and fees on loans and leases | $102.2M | $98.8M | $100.6M | $99.7M |
| Taxable | $4.2M | $4.1M | $3.9M | $4.0M |
| Exempt from federal income taxes | $0 | $0 | $0 | $0 |
| Interest on deposits with other banks | $1.1M | $2.8M | $4.4M | $1.4M |
| Interest and dividends on other earning assets | $625.0K | $704.0K | $736.0K | $671.0K |
| Total interest income | $108.1M | $106.4M | $109.6M | $105.7M |
| Interest on deposits | $38.8M | $39.1M | $43.6M | $41.8M |
| Interest on short-term borrowings | $30.0K | $3.0K | $1.0K | $1.0K |
| Interest on long-term debt and subordinated notes | $3.1M | $3.8M | $4.7M | $4.4M |
| Total interest expense | $41.9M | $43.0M | $48.3M | $46.2M |
| Net interest income | $66.2M | $63.4M | $61.3M | $59.5M |
| Provision for credit losses | $2.7M | $1.3M | $517.0K | $5.7M |
| Net interest income after provision for credit losses | $63.6M | $62.1M | $60.8M | $53.8M |
| Noninterest income | $14.0M | $13.7M | $12.6M | $13.0M |
| Insurance commission and fee income | $5.4M | $7.4M | $5.5M | $5.3M |
| Bank owned life insurance income | $1.7M | $1.3M | $1.9M | $1.0M |
| Net gain on investment securities transactions | $11.0K | — | $0 | — |
| Net gain on mortgage banking activities | $1.3M | $791.0K | $848.0K | $981.0K |
| Net (loss) gain on sales and write-downs of other real estate owned | ($5.2M) | — | — | — |
| Other income | $941.0K | $832.0K | $1.1M | $1.2M |
| Noninterest income | $18.1M | $24.1M | $21.9M | $21.5M |
| Salaries, benefits and commissions | $33.2M | $33.5M | $31.7M | $31.5M |
| Net occupancy | $2.9M | $3.0M | $2.7M | $2.7M |
| Equipment | $1.1M | $1.1M | $1.1M | $1.0M |
| Data processing | $4.6M | $4.5M | $4.3M | $4.4M |
| Professional fees | $2.0M | $1.7M | $1.9M | $1.6M |
| Marketing and advertising | $988.0K | $634.0K | $323.0K | $498.0K |
| Deposit insurance premiums | $1.1M | $1.2M | $1.2M | $1.1M |
| Intangible expenses | $92.0K | $93.0K | $106.0K | $131.0K |
| Restructuring charges | $0 | $427.0K | — | — |
| Other expense | $7.0M | $6.7M | $7.5M | $7.3M |
| Total noninterest expense | $53.1M | $52.7M | $50.7M | $50.3M |
| Income before income taxes | $28.6M | $33.5M | $32.1M | $25.0M |
| Income tax expense | $5.6M | $6.4M | $6.4M | $5.0M |
| Net income | $23.0M | $27.1M | $25.6M | $20.0M |
| Basic (in dollars per share) | $0.83 | $0.97 | $0.89 | $0.69 |
| Diluted (in dollars per share) | $0.82 | $0.96 | $0.89 | $0.69 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and due from banks | $63.6M | $76.0M | $72.8M | $84.2M |
| Interest-earning deposits with other banks | $490.1M | $252.8M | $177.0M | $68.6M |
| Cash and cash equivalents | $553.7M | $328.8M | $249.8M | $152.8M |
| Investment securities held-to-maturity (fair value $109,724 and $115,007 at December 31, 2025 and 2024, respectively) | $123.0M | $134.1M | $145.8M | $154.7M |
| Investment securities available-for-sale (amortized cost $398,476 and $402,651, net of allowance for credit losses of $11 and $839 at December 31, 2025 and 2024, respectively) | $371.3M | $357.4M | $351.6M | $350.3M |
| Investments in equity securities | $2.0M | $2.5M | $3.3M | $2.6M |
| Federal Home Loan Bank, Federal Reserve Bank and other stock, at cost | $37.8M | $39.0M | $40.5M | $33.8M |
| Loans held for sale | $15.3M | $16.7M | $11.6M | $5.0M |
| Loans and leases held for investment | $6.9B | $6.8B | $6.6B | $6.1B |
| Allowance for credit losses, loans and leases | ($88.2M) | — | ($85.4M) | ($79.0M) |
| Net loans and leases held for investment | $6.8B | $6.7B | $6.5B | $6.0B |
| Premises and equipment, net | $45.6M | $46.7M | $51.4M | $50.9M |
| Operating lease right-of-use asset | $25.8M | $28.5M | $31.8M | $30.1M |
| Goodwill | $175.5M | $175.5M | $175.5M | $175.5M |
| Other intangibles, net of accumulated amortization | $7.3M | $8.3M | $10.9M | $11.4M |
| Bank owned life insurance | $140.0M | $139.4M | $131.3M | $120.3M |
| Accrued interest receivable and other assets | $113.0M | $112.1M | $95.2M | $90.4M |
| Total assets | $8.4B | $8.1B | $7.8B | $7.2B |
| Noninterest-bearing deposits | $1.4B | $1.4B | $1.5B | $2.0B |
| Interest-bearing deposits | $5.7B | $5.3B | $4.9B | $3.9B |
| Total deposits | $7.1B | $6.8B | $6.4B | $5.9B |
| Short-term borrowings | $24.4M | $11.2M | $6.3M | $197.1M |
| Long-term debt | $200.0M | $225.0M | $310.0M | $95.0M |
| Subordinated notes | $98.9M | $149.3M | $148.8M | $148.3M |
| Operating lease liabilities | $28.5M | $31.5M | $34.9M | $33.2M |
| Accrued interest payable and other liabilities | $54.5M | $64.9M | $65.7M | $58.4M |
| Total liabilities | $7.5B | $7.2B | $6.9B | $6.4B |
| Common stock, $5 par value: 48,000,000 shares authorized at December 31, 2025 and 2024; 31,556,799 shares issued at December 31, 2025 and 2024; 28,156,917 and 29,045,877 shares outstanding at December 31, 2025 and 2024, respectively | 157.8M | 157.8M | 157.8M | 157.8M |
| Additional paid-in capital | $304.0M | $302.8M | $301.1M | $300.8M |
| Retained earnings | $591.2M | $525.8M | $474.7M | $428.6M |
| Accumulated other comprehensive loss, net of tax benefit | ($25.5M) | ($44.0M) | ($50.6M) | ($62.1M) |
| Treasury stock, at cost; 3,399,882 and 2,510,922 shares at December 31, 2025 and 2024, respectively | -84.2M | -55.1M | -43.7M | 48.6M |
| Shareholders' equity: | $943.3M | $887.3M | $839.2M | $776.5M |
| Total liabilities and shareholders' equity | $8.4B | $8.1B | $7.8B | $7.2B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and due from banks | $79.5M | $69.6M | $70.8M | $76.6M |
| Interest-earning deposits with other banks | $115.8M | $152.7M | $745.9M | $83.7M |
| Cash and cash equivalents | $195.3M | $222.4M | $816.7M | $160.4M |
| Investment securities held-to-maturity (fair value $102,497 and $109,724 at June 30, 2026 and December 31, 2025, respectively) | $116.2M | $119.5M | $126.0M | $128.5M |
| Investment securities available-for-sale (amortized cost $408,196 and $398,476, net of allowance for credit losses of $34 and $11 at June 30, 2026 and December 31, 2025, respectively) | $378.6M | $379.0M | $368.4M | $366.4M |
| Investments in equity securities | $2.7M | $2.9M | $2.4M | $1.8M |
| Federal Home Loan Bank, Federal Reserve Bank and other stock, at cost | $32.8M | $35.5M | $39.6M | $36.5M |
| Loans held for sale | $13.2M | $14.4M | $6.3M | $17.8M |
| Loans and leases held for investment | $7.0B | $6.9B | $6.8B | $6.8B |
| Less: Allowance for credit losses, loans and leases | ($90.0M) | ($88.9M) | ($86.5M) | ($87.0M) |
| Net loans and leases held for investment | $7.0B | $6.9B | $6.7B | $6.7B |
| Premises and equipment, net | $44.4M | $44.8M | $46.2M | $47.1M |
| Operating lease right-of-use assets | $24.3M | $25.0M | $26.5M | $27.3M |
| Goodwill | $175.5M | $175.5M | $175.5M | $175.5M |
| Other intangibles, net of accumulated amortization | $7.8M | $7.6M | $7.5M | $8.0M |
| Bank owned life insurance | $142.1M | $142.1M | $139.0M | $140.1M |
| Accrued interest receivable and other assets | $118.0M | $121.6M | $120.3M | $115.6M |
| Total assets | $8.2B | $8.1B | $8.6B | $7.9B |
| Noninterest-bearing deposits | $1.5B | $1.5B | $1.4B | $1.5B |
| Interest-bearing deposits | $5.5B | $5.3B | $5.8B | $5.1B |
| Total | $6.9B | $6.8B | $7.2B | $6.6B |
| Short-term borrowings | $18.8M | $26.2M | $12.0M | $6.3M |
| Long-term debt | $125.0M | $175.0M | $200.0M | $200.0M |
| Subordinated notes | $99.0M | $98.9M | $129.6M | $149.5M |
| Operating lease liabilities | $26.9M | $27.7M | $29.3M | $30.1M |
| Accrued interest payable and other liabilities | $46.0M | $48.1M | $51.4M | $53.8M |
| Total liabilities | $7.2B | $7.2B | $7.6B | $7.0B |
| Common stock, $5 par value: 48,000,000 shares authorized at June 30, 2026 and December 31, 2025; 31,556,799 shares issued at June 30, 2026 and December 31, 2025; 27,585,768 and 28,156,917 shares outstanding at June 30, 2026 and December 31, 2025, respectively | 157.8M | 157.8M | 157.8M | 157.8M |
| Additional paid-in capital | $302.5M | $301.2M | $302.7M | $301.6M |
| Retained earnings | $628.3M | $611.8M | $574.7M | $555.4M |
| Accumulated other comprehensive loss, net of tax benefit | ($26.7M) | ($26.0M) | ($31.6M) | ($35.0M) |
| Treasury stock, at cost; 3,971,031 and 3,399,882 shares at June 30, 2026 and December 31, 2025, respectively | -107.7M | -92.8M | -70.3M | -63.1M |
| Total shareholders’ equity | $954.3M | $952.0M | $933.2M | $916.7M |
| Total liabilities and shareholders’ equity | $8.2B | $8.1B | $8.6B | $7.9B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income | $90.8M | $75.9M | $71.1M | $78.1M |
| Provision for credit losses | $11.7M | $5.9M | $10.8M | $12.2M |
| Depreciation of premises and equipment | $5.5M | $5.5M | $5.1M | $4.5M |
| Net gain on sales of investment securities | $0 | ($18.0K) | $0 | ($30.0K) |
| Net gain on mortgage banking activities | ($3.4M) | ($5.3M) | ($3.7M) | ($4.4M) |
| Bank owned life insurance income | ($5.8M) | ($3.9M) | ($3.2M) | ($3.8M) |
| Net amortization of investment securities premiums and discounts | $968.0K | $1.1M | $1.1M | $1.5M |
| Amortization, fair market value adjustments and capitalization of servicing rights | $512.0K | $2.0M | ($411.0K) | ($693.0K) |
| Stock-based compensation | $4.7M | $4.6M | $4.2M | $4.1M |
| Intangible expenses | $469.0K | $694.0K | $938.0K | $1.3M |
| Other adjustments to reconcile net income to cash used in by operating activities | ($4.4M) | ($3.4M) | ($1.5M) | ($4.1M) |
| Deferred tax expense (benefit) | $508.0K | ($1.3M) | ($710.0K) | ($545.0K) |
| Originations of loans held for sale | ($213.6M) | ($309.5M) | ($228.5M) | ($233.6M) |
| Proceeds from the sale of loans held for sale | $217.8M | $311.1M | $226.5M | $255.2M |
| Contributions to pension and other postretirement benefit plans | ($257.0K) | ($243.0K) | ($250.0K) | ($252.0K) |
| Decrease (increase) in accrued interest receivable and other assets | $2.1M | ($12.0M) | ($8.9M) | ($5.9M) |
| (Decrease) increase in accrued interest payable and other liabilities | ($6.0M) | $3.8M | $17.1M | $6.0M |
| Net cash provided by operating activities | $101.5M | $75.1M | $89.7M | $109.5M |
| Proceeds from sale of premises and equipment | $411.0K | $2.4M | $1.9M | $6.8M |
| Purchases of premises and equipment | ($4.6M) | ($3.1M) | ($6.7M) | ($5.2M) |
| Proceeds from maturities, calls and principal repayments of securities held-to-maturity | $13.3M | $13.9M | $14.8M | $32.0M |
| Proceeds from maturities, calls and principal repayments of securities available-for-sale | $54.8M | $55.9M | $30.7M | $31.6M |
| Proceeds from sales | $0 | $505.0K | $0 | $1.5M |
| Purchases of investment securities held-to-maturity | ($2.5M) | ($2.6M) | ($6.3M) | $10.4M |
| Purchases of investment securities available-for-sale | ($51.3M) | ($64.0M) | ($25.1M) | ($116.6M) |
| Proceeds from sales of equity securities | $6.9M | $4.9M | $1.2M | $4.0M |
| Purchases of money market mutual funds | ($6.4M) | ($4.1M) | ($2.0M) | ($3.8M) |
| Net decrease (increase) in other investments | $1.2M | $1.5M | ($6.7M) | ($5.7M) |
| Proceeds from sale of loans originally held-for-investment | $0 | $0 | $25.4M | $2.5M |
| Net increase in loans and leases | ($101.0M) | ($261.0M) | ($474.2M) | ($836.6M) |
| Proceeds from sales of foreclosed / repossessed assets | $322.0K | $80.0K | $260.0K | $0 |
| Purchases of bank owned life insurance | $0 | ($5.7M) | ($7.9M) | — |
| Proceeds from bank owned life insurance | $5.2M | $1.6M | $0 | $2.2M |
| Net cash used in investing activities | ($83.7M) | ($259.7M) | ($454.4M) | ($897.6M) |
| Net increase in deposits | $328.1M | $383.5M | $462.2M | ($141.6M) |
| Net increase (decrease) in short-term borrowings | $13.2M | $4.9M | ($190.8M) | $177.0M |
| Proceeds from issuance of long-term debt | $50.0M | $0 | $250.0M | $0 |
| Repayment of long-term debt | ($75.0M) | ($85.0M) | ($35.0M) | $0 |
| Proceeds from issuance of subordinated notes | $50.0M | $0 | $0 | $50.0M |
| Subordinated notes issuance costs | ($802.0K) | $0 | $0 | ($949.0K) |
| Repayment of subordinated notes | $100.0M | — | $0 | $0 |
| Payment of contingent consideration on acquisitions | ($635.0K) | ($635.0K) | ($635.0K) | $0 |
| Payment for shares withheld to cover taxes on vesting of restricted stock units | -1.6M | -873.0K | -1.2M | -903.0K |
| Purchases of treasury stock | ($34.6M) | ($18.9M) | ($462.0K) | ($11.4M) |
| Stock issued under dividend reinvestment and employee stock purchase plans | $2.3M | $2.4M | $2.6M | $2.5M |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $50.0M | $27.1M | $68.0M | $42.4M |
| Provision for credit losses | $4.0M | $1.3M | $8.5M | $8.0M |
| Depreciation of premises and equipment | $2.8M | $1.4M | $4.1M | $2.7M |
| Net amortization of investment securities premiums and discounts | $418.0K | $210.0K | $723.0K | $480.0K |
| Amortization, fair market value adjustments and capitalization of servicing rights | ($707.0K) | ($348.0K) | $404.0K | $81.0K |
| Net gain on investment securities transactions | ($11.0K) | — | $0 | — |
| Net gain on mortgage banking activities | ($2.1M) | ($791.0K) | ($2.5M) | ($1.6M) |
| Net (loss) gain on sales and write-downs of other real estate owned | $5.2M | — | — | — |
| Bank owned life insurance income | ($3.0M) | ($1.3M) | ($4.9M) | ($3.0M) |
| Stock-based compensation | $2.6M | $1.2M | $3.4M | $2.3M |
| Intangible expenses | $185.0K | $93.0K | $367.0K | $261.0K |
| Other adjustments to reconcile net income to cash used in operating activities | ($1.8M) | ($756.0K) | ($2.5M) | ($1.6M) |
| Originations of loans held for sale | ($110.8M) | ($43.3M) | ($151.7M) | ($95.1M) |
| Proceeds from the sale of loans held for sale | $114.6M | $49.4M | $164.3M | $95.7M |
| Contributions to pension and other postretirement benefit plans | ($136.0K) | ($68.0K) | ($199.0K) | ($125.0K) |
| Increase in accrued interest receivable and other assets | ($9.6M) | ($7.7M) | ($7.3M) | ($3.5M) |
| Decrease in accrued interest payable and other liabilities | ($5.6M) | ($4.3M) | ($10.0M) | ($8.2M) |
| Net cash provided by operating activities | $46.1M | $22.1M | $70.8M | $38.9M |
| Proceeds from sale of premises and equipment | $9.0K | $9.0K | $427.0K | $305.0K |
| Purchases of premises and equipment | ($1.6M) | ($578.0K) | ($3.9M) | ($3.3M) |
| Proceeds from maturities, calls and principal repayments of securities held-to-maturity | $6.7M | $3.5M | $10.4M | $6.7M |
| Proceeds from maturities, calls and principal repayments of securities available-for-sale | $34.1M | $17.2M | $38.0M | $24.0M |
| Purchases of investment securities held-to-maturity | $0 | — | ($2.5M) | ($1.2M) |
| Purchases of investment securities available-for-sale | ($44.1M) | ($26.3M) | ($34.8M) | ($22.4M) |
| Proceeds from sales of equity securities | $5.7M | $2.3M | $5.4M | $3.0M |
| Purchases of money market mutual funds | ($6.4M) | ($3.2M) | ($5.3M) | ($2.3M) |
| Net decrease in other investments | $5.0M | $2.3M | ($637.0K) | $2.5M |
| Proceeds from sale of loans originally held-for-investment | $16.7M | — | — | — |
| Net (increase) decrease in loans and leases | ($146.0M) | ($30.7M) | $28.5M | $14.3M |
| Proceeds from sales of foreclosed / repossessed assets | $73.0K | $0 | $275.0K | $239.0K |
| Purchases of bank owned life insurance | ($1.6M) | ($1.6M) | $0 | $0 |
| Proceeds from bank owned life insurance | $2.5M | $0 | $5.2M | $2.2M |
| Net cash used in investing activities | ($128.9M) | ($37.1M) | $40.9M | $24.1M |
| Net decrease in deposits | ($154.3M) | ($273.6M) | $458.9M | ($176.6M) |
| Net decrease in short-term borrowings | ($5.6M) | $1.7M | $770.0K | ($4.9M) |
| Proceeds from issuance of long-term debt | $25.0M | $25.0M | $50.0M | $50.0M |
| Repayment of long-term debt | ($100.0M) | ($50.0M) | ($75.0M) | ($75.0M) |
| Early Repayment of Subordinated Debt | ($55.0K) | ($51.0K) | ($20.0M) | — |
| Payment of contingent consideration on acquisitions | $0 | $0 | ($635.0K) | ($635.0K) |
| Payment for shares withheld to cover taxes on vesting of restricted stock units | -1.9M | -1.9M | -1.6M | -1.6M |
| Purchases of treasury stock | ($28.5M) | ($11.9M) | ($19.2M) | ($11.4M) |
| Stock issued under dividend reinvestment and employee stock purchase plans | $1.2M | $576.0K | $1.7M | $1.1M |
| Proceeds from exercise of stock options | $1.5M | $212.0K | $323.0K | $323.0K |
| Cash dividends paid | ($12.9M) | ($6.5M) | ($19.1M) | ($12.7M) |
| Net cash used in financing activities | ($275.6M) | ($316.4M) | $376.2M | ($231.4M) |
UNIVEST FINANCIAL Corp score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.