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Univest Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$45.2M in Q3 2026 · $120M over twelve months

Operating cash flow$46.4M
Capital spending−$1.2M
Free cash flow+$45.2M
Cash / net income2.2×

Analysis

In Q3 2026, Univest Financial generated $46.4M of operating cash flow and spent $1.2M on capital projects, leaving free cash flow of $45.2M. That is $13.9M more than in Q3 2025 ($31.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $123M; the largest uses were other investing ($251M), buybacks ($56.9M), dividends ($25.5M); besides operations, cash came from other financing ($32.9M), shares issued ($2.9M); the cash balance fell by $192M.

Operating cash flow was $46.4M against net income of $21.6M — 2.2× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$8.3M, other liabilities +$4.9M, stock-based pay +$1.3M.

Free cash flow

Univest Financial: free cash flow by quarterUnivest Financial: free cash flow by quarter$27.4MQ4 2024$13.7MQ1 2025$21.9MQ2 2025$31.4MQ3 2025$30.0MQ4 2025$21.6MQ1 2026$22.9MQ2 2026$45.2MQ3 2026
Operating cash flow less capital spending.
Univest Financial: operating cash flow against capital spendingUnivest Financial: operating cash flow against capital spendingOperating cash flowCapital spending$28.0M$637KQ4 2024$15.6M$1.9MQ1 2025$23.3M$1.3MQ2 2025$32.0M$622KQ3 2025$30.7M$670KQ4 2025$22.1M$578KQ1 2026$24.0M$1.1MQ2 2026$46.4M$1.2MQ3 2026
Latest (Q3 2026): Operating cash flow $46.4M, Capital spending $1.2M.

Capital allocation, year by year

Univest Financial: where the cash came from (up) and went (down), by fiscal yearUnivest Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $102MFY2021: Net borrowing $2.2MFY2021: Shares issued $2.1MFY2021: Capital spending −$5.9MFY2021: Acquisitions −$3.8MFY2021: Buybacks −$295KFY2021: Dividends −$23.6M$107MFY2021FY2022: Operating cash flow $109MFY2022: Net borrowing $177MFY2022: Shares issued $698KFY2022: Asset sales $6.8MFY2022: Capital spending −$5.2MFY2022: Buybacks −$11.4MFY2022: Dividends −$24.6M$294MFY2022FY2023: Operating cash flow $89.7MFY2023: Net borrowing −$191MFY2023: Shares issued $115KFY2023: Asset sales $1.9MFY2023: Capital spending −$6.7MFY2023: Buybacks −$462KFY2023: Dividends −$25.1M$91.7MFY2023FY2024: Operating cash flow $75.1MFY2024: Net borrowing $4.9MFY2024: Shares issued $3.2MFY2024: Asset sales $2.4MFY2024: Capital spending −$3.1MFY2024: Buybacks −$18.9MFY2024: Dividends −$24.8M$85.5MFY2024FY2025: Operating cash flow $102MFY2025: Net borrowing $13.2MFY2025: Shares issued $1.4MFY2025: Asset sales $411KFY2025: Capital spending −$4.6MFY2025: Buybacks −$34.6MFY2025: Dividends −$25.3M$117MFY2025
Over these 5 years operating cash flow totalled $478M; the largest uses were net borrowing ($191M) and dividends ($123M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$625M
Debt$186K
Net cash$625M

Univest Financial funds itself: free cash flow was $120M over the last twelve months, and $625M of cash and investments stands against $186K of debt.

Where the cash came from and went

Univest Financial: sources (+) and uses (−) of cash, Q3 2026Univest Financial: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$430MOther financing$422MOperating cash flow$46.4MNet borrowing (+) / repaid (−)−$18.6MBuybacks−$12.9MDividends−$6.3MCapital spending−$1.2MShares issued$212KAsset & business sales$71KOther investing$59KTaxes on employees’ shares−$6K
Univest Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Univest Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$251MCash drawn (+) / kept (−)$192MOperating cash flow$123MBuybacks−$56.9MOther financing$32.9MDividends−$25.5MNet borrowing (+) / repaid (−)−$11.8MCapital spending−$3.5MShares issued$2.9MTaxes on employees’ shares−$1.9MAsset & business sales$64K

From profit to cash

Univest Financial: net income to operating cash flow, Q3 2026Univest Financial: net income to operating cash flow, Q3 2026Net income$21.6MStock-based pay$1.3MOther non-cash−$579KPrepaid and other assets$8.3MOther liabilities$4.9MOperating cash flow$46.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$46.4M−$1.2M−$12.9M−$6.3M−$18.6M$212K−$430M$45.2M
Q2 2026$24.0M−$1.1M−$16.6M−$6.4M−$7.3M$1.3M$27.0M$22.9M
Q1 2026$22.1M−$578K−$11.9M−$6.5M$1.7M$212K$331M$21.6M
Q4 2025$30.7M−$670K−$15.4M−$6.3M$12.5M$1.1M$263M$30.0M
Q3 2025$32.0M−$622K−$7.8M−$6.3M$5.7M—−$656M$31.4M
Q2 2025$23.3M−$1.3M−$4.9M−$6.3M$2.2M$43K$8.8M$21.9M
Q1 2025$15.6M−$1.9M−$6.5M−$6.4M−$7.2M$280K$160M$13.7M
Q4 2024$28.0M−$637K−$4.2M−$6.1M$2.9M$2.3M$176M$27.4M

Univest Financial: income statement and cash flow

Univest Financial, Q3 2026: revenue $90.0M (+8% year over year), operating margin 30.0%. The chart follows the revenue to costs, profit and cash.

Univest Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.