Filing Flows › Univest Financial (UVSP) › Q4 2025
Univest Financial (UVSP) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 23, 2026
Univest Financial (UVSP) reported revenue of $84.6M for the fourth quarter 2025 (Q4 2025), +10% from a year earlier and +2% from the quarter before. Operating margin was 34.0%, net earnings $22.7M (26.9% of revenue).
Univest Financial, Q4 2025: revenue $84.6M (+10% year over year), operating margin 34.0%, net earnings $22.7M, operating cash flow $30.7M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $84.6M | +2% | +10% |
| Operating profit | $28.7M | -10% | +21% |
| Net earnings | $22.7M | -11% | +20% |
| Operating cash flow | $30.7M | -4% | +9% |
| Free cash flow | $30.0M | -4% | +9% |
What changed
Revenue was $84.6M in Q4 2025, up 10% year over year and up 2% from the previous quarter.
Operating profit was $28.7M, a 34.0% margin (up 3.0 points year over year). Of the extra revenue versus a year earlier, 64% reached operating profit, above the 31% margin then. Total costs grew 5% against revenue growth of 10%. Net earnings were $22.7M, up 20% year over year. The effective tax rate was 20.8%.
Operating cash flow was $30.7M (up 9% year over year), 135% of net earnings. Non-cash charges added back $1.3M of share-based compensation. Working capital and other items added $6.6M. Capital expenditures of $670K left free cash flow of $30.0M.
Questions
What was Univest Financial's revenue in the fourth quarter 2025?
Univest Financial (UVSP) reported revenue of $84.6M for the fourth quarter 2025 (Q4 2025), +10% from a year earlier and +2% from the quarter before.
Was Univest Financial profitable in the fourth quarter 2025?
Operating profit was $28.7M (34.0% of revenue) and net earnings $22.7M.
Source: Univest Financial 10-K on SEC EDGAR.