Univest Financial (UVSP) Cash Flow: Operating & Free Cash Flow

Univest Financial (UVSP) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Univest Financial generated $101.51M of operating cash flow and spent $4.58M on capital expenditures. That left free cash flow of $96.93M, up 34.6% from $72.00M a year earlier, or 30.8% of revenue. It returned $61.57M to shareholders through $25.33M in dividends and $36.24M in share buybacks.

Univest Financial Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Univest Financial Corporation (UVSP) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	90.76	75.93	71.10	78.12	91.80	46.92	65.72	50.54	44.09
Depreciation & Amortization	6.02	7.47	6.00	3.77	3.19	5.00	5.42	5.39	5.47
Deferred Income Tax	0.51	-1.27	-0.71	-0.55	3.55	-9.85	-1.81	-0.60	7.48
Stock Based Compensation	4.69	4.62	4.19	4.12	3.70	1.48	2.35	2.56	3.17
Change in Working Capital	-3.89	-8.22	8.27	0.13	-0.94	5.77	-0.92	11.09	-1.15
Change in Accounts Receivable	2.14	-12.02	-8.88	-5.86	-3.13	-2.84	-2.33	4.55	-1.37
Change in Accounts Payable	-6.02	3.81	17.15	5.99	2.20	8.61	1.41	6.54	0.22
Change in Other Working Capital	-9.21	-10.39	-0.25	10.22	0.00	0.00	0.00	0.00	0.00
Other Operating Activities	-9.21	-10.39	-8.32	10.22	1.03	1.87	2.39	17.03	9.60
Net Cash from Operating Activities	101.51	75.11	89.74	109.46	102.34	51.18	73.15	86.01	68.66
Investing Activities
Capital Expenditures	-4.59	-3.10	-6.72	-5.22	-5.88	-3.75	-3.86	-4.29	-3.96
Acquisitions	0.00	0.00	0.00	0.00	-3.82	0.00	0.00	0.00	0.00
Purchases of Investments	-60.31	-70.75	-40.01	-136.48	-253.14	-147.53	-93.14	-108.73	-114.97
Sales/Maturities of Investments	76.24	76.79	46.77	69.17	126.98	215.40	132.84	78.46	125.24
Other Investing Activities	-95.03	-4.07	-7.60	2.19	9.08	-931.51	-379.21	-396.76	-338.80
Net Cash from Investing Activities	-83.68	-259.74	-454.44	-897.61	-126.78	-867.39	-343.37	-431.32	-332.49
Financing Activities
Debt Repayment	-175.00	-85.00	-35.00	227.04	-97.80	49.23	-166.09	74.34	-60.74
Common Stock Issued	2.32	2.38	2.68	2.54	2.38	2.37	2.23	2.30	72.91
Common Stock Repurchased	-36.24	-19.76	-1.69	-12.28	-0.65	-4.45	-2.05	-5.98	-3.52
Dividends Paid	-25.33	-24.84	-25.05	-24.61	-23.58	-17.54	-23.44	-23.50	-21.30
Other Financing Activities	-1.44	-0.64	-0.64	-0.95	814.38	881.34	475.26	332.17	294.06
Net Cash from Financing Activities	207.04	263.68	461.70	50.81	694.73	910.94	285.93	379.32	281.41
Summary
Net Change in Cash	224.87	79.05	97.00	-737.35	670.29	94.73	15.71	34.01	17.58
Cash at Beginning of Period	328.84	249.80	152.80	890.15	219.86	125.13	109.42	75.41	57.83
Cash at End of Period	553.71	328.84	249.80	152.80	890.15	219.86	125.13	109.42	75.41
Free Cash Flow	96.93	72.00	83.02	104.23	96.46	47.43	69.29	81.72	64.70
Supplemental Disclosures
Interest Paid	-	191.51	139.60	32.67	21.82	-	-	-	-
Income Taxes Paid	-	20.70	16.78	11.86	26.59	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Univest Financial Cash Flow

What is Univest Financial's free cash flow?

Univest Financial generated free cash flow of $96.93M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $101.51M minus $4.58M of capital expenditures. That was up 34.6% from $72.00M a year earlier. Free cash flow equaled 30.8% of revenue.

How much does Univest Financial spend on capital expenditures?

Univest Financial spent $4.58M on capital expenditures in fiscal 2025, compared with $3.10M a year earlier. That equals 4.5% of operating cash flow.

Does Univest Financial pay dividends or buy back shares?

Yes. In fiscal 2025 Univest Financial returned $25.33M in dividends and $36.24M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition