Univest Financial Corporation (FRA:UVE)

Univest Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	397.2	383.31	347.92	237.16	201.35	193.11
Interest Income on Investments	29.05	29.05	23.81	15.04	8.38	10.84
Total Interest Income	426.25	412.36	371.73	252.19	209.73	203.95
Interest Paid on Deposits	172.81	180.87	126.05	25.42	12.87	19.62
Interest Paid on Borrowings	20.32	20.32	25.68	8.47	8.48	9.97
Total Interest Expense	193.13	201.19	151.73	33.9	21.35	29.58
Net Interest Income	233.12	211.17	220	218.3	188.38	174.36
Net Interest Income Growth (YoY)	11.83%	-4.01%	0.78%	15.88%	8.04%	3.03%
Trust Income	8.8	8.49	7.73	7.74	8.4	7.7
Mortgage Banking Activities	3.8	5.27	3.69	4.41	15.14	16.44
Gain (Loss) on Sale of Investments	-	0.02	0.02	0.03	0.15	0.87
Other Non-Interest Income	65.38	65.96	58.34	59.53	54.03	48.47
Total Non-Interest Income	86.93	87.81	76.82	77.89	83.22	78.33
Non-Interest Income Growth (YoY)	1.85%	14.31%	-1.36%	-6.42%	6.25%	19.73%
Revenues Before Loan Losses	320.05	298.98	296.82	296.18	271.61	252.69
Provision for Loan Losses	10.9	5.93	10.77	12.2	-10.13	40.79
Revenue	309.14	293.05	286.05	283.98	281.74	211.9
Revenue Growth (YoY)	7.22%	2.45%	0.73%	0.80%	32.96%	-6.30%
Salaries and Employee Benefits	120.83	119.04	115.89	111.59	100.4	91.64
Occupancy Expenses	6.82	6.83	6.52	10.19	10.4	10.36
Federal Deposit Insurance	4.52	4.43	4.83	3.08	2.71	2.59
Selling, General & Administrative	39.14	38.89	38.72	35.13	30.18	24.06
Other Non-Interest Expense	29.68	28.81	29.89	26.6	23.72	23.12
Total Non-Interest Expense	200.99	197.99	195.84	186.59	167.41	151.76
EBT Excluding Unusual Items	108.16	95.06	90.21	97.39	114.33	60.14
Other Unusual Items	-	-	-	-	-	-1.8
Pretax Income	108.4	95.3	88.69	97.21	114.33	56.9
Income Tax Expense	21.45	19.37	17.59	19.09	22.53	9.98
Net Income	86.95	75.93	71.1	78.12	91.8	46.92
Preferred Dividends & Other Adjustments	-	-	-	-	0.03	-
Net Income to Common	86.95	75.93	71.1	78.12	91.78	46.92
Net Income Growth	18.72%	6.79%	-8.98%	-14.90%	95.67%	-28.61%
Basic Shares Outstanding	29	29	29	29	29	29
Diluted Shares Outstanding	29	29	30	30	30	29
Shares Change (YoY)	-0.91%	-0.45%	-0.06%	-0.01%	0.82%	-0.18%
EPS (Basic)	3.01	2.60	2.42	2.66	3.12	1.60
EPS (Diluted)	2.98	2.58	2.41	2.64	3.11	1.60
EPS Growth	19.64%	7.05%	-8.71%	-15.11%	94.38%	-28.57%
Dividend Per Share	0.870	0.840	0.840	0.840	0.800	0.800
Dividend Growth	3.57%	-	-	5.00%	-	-
Effective Tax Rate	19.78%	20.32%	19.83%	19.64%	19.71%	17.54%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.