Univest Financial Corporation (UVSP) Balance Sheet
UVSP balance sheet, 2025
December 31, 2025 · U.S. dollars$8.44B assets = $7.49B liabilities + $943.3M equity
Both columns are drawn to the same scale: what UVSP owns equals what it owes plus shareholders’ equity. Hover a block for its value.
UVSP financial health
Descriptive bands, not a rating. Fiscal 2025.
UVSP balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $4.23B2016 | $8.44B2025 | +8.0%/yr | |
| Total liabilities | $3.73B2016 | $7.49B2025 | +8.1%/yr | |
| Shareholders’ equity | $505.2M2016 | $943.3M2025 | +7.2%/yr | |
| Cash & short-term investments | $501.5M2016 | $562.4M2025 | +1.3%/yr | |
| Total debt | $417.8M2016 | $351.8M2025 | −1.9%/yr | |
| Net cash (debt) | $83.7M2016 | $210.5M2025 | +$126.9M | |
| Working capital | −$2.90B2016 | −$6.55B2025 | −$3.7B | |
| Book value per share | $21.762016 | $32.832025 | +4.7%/yr | |
| Debt / equity | 0.832016 | 0.372025 | −0.45 | |
| Shares outstanding | 23.2M2016 | 28.7M2025 | +2.4%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
UVSP assets
UVSP liabilities and equity
UVSP debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
UVSP balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $562.4M | $337.1M | $601.4M | $503.1M | $1.21B | $438.5M | $372.1M | $437.9M | $466.9M | $501.5M |
| Cash & equivalents | $553.7M | $328.8M | $249.8M | $152.8M | $890.1M | $219.9M | $125.1M | $109.4M | $75.4M | $57.8M |
| Short-term investments | $8.6M | $8.3M | $351.6M | $350.3M | $317.0M | $218.6M | $246.9M | $328.5M | $391.5M | $443.6M |
| Receivables | $29.6M | $278.8M | $277.6M | $239.5M | $208.9M | $188.9M | $170.5M | $160.1M | $129.8M | $134.7M |
| Inventory | $0 | $0 | −$204.8M | $19.3M | −$921.1M | −$255.2M | −$153.7M | $1.2M | $1.8M | $5.0M |
| Other current assets | $13.5M | $12.5M | $214.4M | $0 | $921.1M | $255.2M | $167.6M | $13.5M | $0 | $0 |
| Total current assets | $605.5M | $628.5M | $888.6M | $752.0M | $1.42B | $627.4M | $556.5M | $612.7M | $596.6M | $636.2M |
| Property, plant & equipment (net) | $71.3M | $75.2M | $83.2M | $81.0M | $87.3M | $90.0M | $91.1M | $59.6M | $61.8M | $63.6M |
| Goodwill & intangible assets | $182.8M | $183.8M | $186.5M | $186.9M | $187.4M | $181.4M | $182.8M | $184.5M | $186.5M | $189.2M |
| Long-term investments | $496.3M | $494.0M | $500.6M | $507.6M | $5.75B | $5.63B | $4.80B | $4.45B | $3.66B | $3.30B |
| Other non-current assets | $7.08B | $6.75B | $6.12B | $5.69B | $0 | $0 | $0 | $0 | $59.8M | $42.3M |
| Total assets | $8.44B | $8.13B | $7.78B | $7.22B | $7.12B | $6.34B | $5.40B | $4.98B | $4.56B | $4.23B |
| Liabilities | ||||||||||
| Accounts payable | $20.2M | $31.4M | $28.7M | $14.5M | $46.1M | $52.2M | $44.5M | $44.6M | $41.0M | $50.0M |
| Short-term debt | $24.4M | $11.2M | $6.3M | $197.1M | $53.6M | $55.6M | $47.5M | $210.1M | $136.2M | $227.4M |
| Deferred revenue | — | — | — | — | −$7.5M | −$3.4M | — | −$2.83B | −$3.17B | −$1.83B |
| Total current liabilities | $7.16B | $6.82B | $6.43B | $6.15B | $46.1M | $52.2M | $4.45B | $4.14B | $3.73B | $3.53B |
| Long-term debt | $298.9M | $374.3M | $458.8M | $243.3M | $193.9M | $293.5M | $244.9M | $239.9M | $250.2M | $221.6M |
| Lease obligations | $28.5M | $31.5M | $34.9M | $33.2M | $33.5M | $37.7M | $37.6M | — | — | — |
| Other long-term liabilities | $39.4M | $41.9M | $53.7M | $55.5M | $33.5M | $37.7M | $8.8M | $0 | $0 | $0 |
| Total liabilities | $7.49B | $7.24B | $6.94B | $6.45B | $6.35B | $5.64B | $4.73B | $4.36B | $3.96B | $3.73B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $144.6M |
| Retained earnings (deficit) | $591.2M | $525.8M | $474.7M | $428.6M | $375.1M | $306.9M | $288.8M | $248.2M | $216.8M | $194.5M |
| Treasury stock | — | — | — | −$48.6M | −$41.9M | −$46.3M | −$44.7M | −$45.8M | −$43.5M | −$44.9M |
| Accumulated other comprehensive income | −$25.5M | −$44.0M | −$50.6M | −$62.1M | −$16.4M | −$22.1M | −$21.7M | −$28.4M | −$17.8M | −$19.5M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $943.3M | $887.3M | $839.2M | $776.5M | $773.8M | $692.5M | $672.6M | $624.1M | $603.4M | $505.2M |
| Key figures | ||||||||||
| Total debt | $351.8M | $416.9M | $499.9M | $473.6M | $247.4M | $349.1M | $319.9M | $429.7M | $355.6M | $417.8M |
| Net cash (debt) | $210.5M | −$79.8M | $101.4M | $29.5M | $959.7M | $89.4M | $52.2M | $8.3M | $111.3M | $83.7M |
| Working capital | −$6.55B | −$6.20B | −$5.54B | −$5.39B | $1.37B | $575.2M | −$3.90B | −$3.53B | −$3.14B | −$2.90B |
| Tangible book value | $760.5M | $703.5M | $652.7M | $589.6M | $586.4M | $511.0M | $489.8M | $439.6M | $416.9M | $316.0M |
| Book value per share | $32.83 | $30.18 | $28.42 | $26.28 | $26.18 | $23.66 | $22.99 | $21.25 | $20.57 | $21.76 |
| Shares outstanding | 28.7M | 29.4M | 29.5M | 29.6M | 29.6M | 29.3M | 29.3M | 29.4M | 29.3M | 23.2M |
| Current ratio | 0.08 | 0.09 | 0.14 | 0.12 | 30.74 | 12.02 | 0.12 | 0.15 | 0.16 | 0.18 |
| Quick ratio | 0.08 | 0.09 | 0.14 | 0.12 | 30.74 | 12.02 | 0.12 | 0.14 | 0.16 | 0.18 |
| Debt / equity | 0.37 | 0.47 | 0.60 | 0.61 | 0.32 | 0.50 | 0.48 | 0.69 | 0.59 | 0.83 |
| Equity / assets | 11.2% | 10.9% | 10.8% | 10.8% | 10.9% | 10.9% | 12.5% | 12.5% | 13.2% | 11.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $79.5M | $233.0M | $562.4M | $824.1M | $169.2M | $176.9M | $337.1M | $858.8M | $533.7M | $552.4M | $601.4M | $624.9M |
| Cash & equivalents | −$36.7M | $222.4M | $553.7M | $816.7M | $160.4M | $169.1M | $328.8M | $504.7M | $190.9M | $201.6M | $249.8M | $290.3M |
| Short-term investments | $116.2M | $10.6M | $8.6M | $7.4M | $8.8M | $7.8M | $8.3M | $354.1M | $342.8M | $350.8M | $351.6M | $334.5M |
| Receivables | $0 | $0 | $29.6M | $228.4M | $229.9M | $233.0M | $278.8M | $246.5M | $248.4M | $247.0M | $277.6M | $238.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $309.6M | −$439.3M | −$448.6M | −$204.8M | −$311.4M |
| Other current assets | $0 | $0 | $13.5M | $0 | $0 | $0 | $12.5M | $0 | $439.3M | $448.6M | $214.4M | $311.4M |
| Total current assets | $79.5M | $233.0M | $605.5M | $1.05B | $399.1M | $410.0M | $628.5M | $1.11B | $782.1M | $799.4M | $888.6M | $862.8M |
| Property, plant & equipment (net) | $68.6M | $69.8M | $71.3M | $74.2M | $74.4M | $74.4M | $75.2M | $76.7M | $78.2M | $79.4M | $83.2M | $82.3M |
| Goodwill & intangible assets | $183.4M | $183.1M | $182.8M | $183.0M | $183.5M | $183.6M | $183.8M | $182.7M | $183.2M | $183.0M | $186.5M | $186.6M |
| Long-term investments | $497.5M | $501.4M | $496.3M | $496.8M | $495.1M | $497.1M | $494.0M | $494.2M | $485.9M | $497.6M | $500.6M | $488.0M |
| Other non-current assets | $7.37B | $7.15B | $7.08B | $6.77B | $6.79B | $6.81B | $6.75B | $6.35B | $6.33B | $6.19B | $6.12B | $6.21B |
| Total assets | $8.20B | $8.14B | $8.44B | $8.57B | $7.94B | $7.98B | $8.13B | $8.21B | $7.86B | $7.75B | $7.78B | $7.83B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | $20.2M | — | — | — | $31.4M | — | — | — | $28.7M | $64.4M |
| Short-term debt | $18.8M | $26.2M | $24.4M | $12.0M | $6.3M | $4.0M | $11.2M | $8.3M | $11.8M | $4.8M | $6.3M | $14.7M |
| Deferred revenue | — | — | — | — | — | — | — | — | — | — | — | −$49.7M |
| Total current liabilities | $18.8M | $6.84B | $7.16B | $41.3M | $6.59B | $6.66B | $6.82B | $6.86B | $6.51B | $6.41B | $6.43B | $6.52B |
| Long-term debt | $224.0M | $273.9M | $298.9M | $329.6M | $349.5M | $324.4M | $374.3M | $374.1M | $399.0M | $398.9M | $458.8M | $468.6M |
| Lease obligations | $26.9M | $27.7M | $28.5M | $29.3M | $30.1M | $30.1M | $31.5M | $32.2M | $33.0M | $33.7M | $34.9M | $34.0M |
| Other long-term liabilities | $7.01B | $75.8M | $39.4M | $7.27B | $83.9M | $84.8M | $41.9M | $92.1M | $95.2M | $93.8M | $53.7M | $34.0M |
| Total liabilities | $7.25B | $7.19B | $7.49B | $7.64B | $7.02B | $7.07B | $7.24B | $7.33B | $7.00B | $6.90B | $6.94B | $7.02B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M | $157.8M |
| Retained earnings (deficit) | $628.3M | $611.8M | $591.2M | $574.7M | $555.4M | $541.8M | $525.8M | $512.9M | $500.5M | $488.8M | $474.7M | $464.6M |
| Accumulated other comprehensive income | −$26.7M | −$26.0M | −$25.5M | −$31.6M | −$35.0M | −$37.9M | −$44.0M | −$41.6M | −$54.1M | −$54.7M | −$50.6M | −$71.6M |
| Total shareholders' equity | $954.3M | $952.0M | $943.3M | $933.2M | $916.7M | $903.5M | $887.3M | $877.1M | $854.1M | $843.7M | $839.2M | $807.2M |
| Key figures | ||||||||||||
| Total debt | $269.7M | $327.8M | $351.8M | $241.3M | $385.9M | $358.5M | $416.9M | $414.6M | $443.8M | $437.4M | $499.9M | $517.3M |
| Net cash (debt) | −$190.2M | −$94.8M | $210.5M | $582.9M | −$216.7M | −$181.6M | −$79.8M | $444.2M | $89.9M | $115.0M | $101.4M | $107.5M |
| Working capital | $60.7M | −$6.61B | −$6.55B | $1.01B | −$6.19B | −$6.25B | −$6.20B | −$5.76B | −$5.72B | −$5.61B | −$5.54B | −$5.66B |
| Tangible book value | $770.9M | $768.9M | $760.5M | $750.2M | $733.3M | $719.9M | $703.5M | $694.4M | $670.9M | $660.7M | $652.7M | $620.6M |
| Book value per share | $34.09 | $33.73 | $33.24 | $32.22 | $31.56 | $30.73 | $30.52 | $29.89 | $29.10 | $28.54 | $28.40 | $27.31 |
| Shares outstanding | 28.0M | 28.2M | 28.4M | 29.0M | 29.0M | 29.4M | 29.1M | 29.3M | 29.4M | 29.6M | 29.6M | 29.6M |
| Current ratio | 4.22 | 0.03 | 0.08 | 25.51 | 0.06 | 0.06 | 0.09 | 0.16 | 0.12 | 0.12 | 0.14 | 0.13 |
| Quick ratio | 4.22 | 0.03 | 0.08 | 25.51 | 0.06 | 0.06 | 0.09 | 0.16 | 0.12 | 0.12 | 0.14 | 0.13 |
| Debt / equity | 0.28 | 0.34 | 0.37 | 0.26 | 0.42 | 0.40 | 0.47 | 0.47 | 0.52 | 0.52 | 0.60 | 0.64 |
| Equity / assets | 11.6% | 11.7% | 11.2% | 10.9% | 11.5% | 11.3% | 10.9% | 10.7% | 10.9% | 10.9% | 10.8% | 10.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 23, 2026); data from EODHD.
UVSP financial position
At the end of fiscal 2025 (December 31, 2025), Univest Financial had total assets of $8.4 billion (up 3.8% from a year earlier), total liabilities of $7.5 billion and shareholders' equity of $943.3 million. It held $562.4 million in cash and short-term investments against $351.8 million of debt, a net cash position of $210.5 million. Its current ratio was 0.08. In the latest quarter (ended June 30, 2026) total assets were $8.2 billion and equity $954.3 million.
Related: UVSP income statement, UVSP cash flow statement, UVSP key metrics. See the UVSP stock overview for the latest quote and news.
UVSP balance sheet FAQ
What are Univest Financial's total assets?
Univest Financial reported total assets of $8.4 billion at the end of fiscal 2025 (December 31, 2025), compared with $8.1 billion a year earlier.
How much debt does Univest Financial have?
Univest Financial had $351.8 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.37.
How much cash does Univest Financial have?
Univest Financial held $562.4 million in cash and short-term investments at the end of fiscal 2025; with $351.8 million of debt that is net cash of $210.5 million.
What is Univest Financial's book value?
Univest Financial's shareholders' equity (book value) was $943.3 million at the end of fiscal 2025, or $32.83 per share.
What is Univest Financial's current ratio?
Univest Financial had current assets of $605.5 million and current liabilities of $7.2 billion, a current ratio of 0.08 (current liabilities exceed current assets).
How much goodwill does Univest Financial have?
Univest Financial carried $182.8 million of goodwill and intangible assets, 2.2% of total assets, at the end of fiscal 2025.