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Univest Financial Corporation UVSP Banking — Net gain on mortgage banking activities

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Other financials

Income statement

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Revenue$84.4M+4.1%
Net income$23.0M+14.9%
EPS (diluted)$0.82+18.8%

Balance sheet

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Cash & equivalents$195.3M+21.8%
Total debt$70.7M-48.2%
Total equity$954.3M+4.1%
Total assets$8.2B+3.3%

Cash flow

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Operating cash flow$24.0M+3.1%
CapEx$1.1M-20.7%
Free cash flow$22.9M+4.5%

Valuation

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Market cap$1.18B+42.9%
Enterprise value$1.06B+31.7%
P/E12×+1.7×
P/S3.5×+0.8×

Profitability

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Net margin29%+3.2pp
FCF margin31.2%-1.5pp

Returns & leverage

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Return on equity10.5%+1.5pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by Univest Financial Corporation in its filing.

Tagged under the XBRL concept uvsp:GainLossOnMortgageBankingActivitiesNet.

The source filing: Univest Financial Corporation’s 10-K, filed February 23, 2026.

Filed
Feb 23, 2026, 3:50 PM EST
Fiscal year
FY2025
Accession
0000102212-26-000012
(Dollars in thousands) / For the Year Ended December 31, 2025BankingWealth ManagementInsuranceOtherConsolidated
Service charges on deposit accounts8,9918,991
Investment advisory commission and fee income22,79922,799
Insurance commission and fee income22,44322,443
Other service fee income (2)10,6352624110,938
Bank owned life insurance income (1)5,7231265,849
Net gain on mortgage banking activities (1)3,3623,362
Other income (2)4,6066144,626
Total noninterest income$33,317$31,920$22,484$140$87,861

Item 8. Financial Statements and Supplementary Data

FAQ

What is Univest Financial Corporation's banking — net gain on mortgage banking activities?
Univest Financial Corporation (UVSP) reported banking — net gain on mortgage banking activities of $840.5K in Q4 2025.
How has Univest Financial Corporation's banking — net gain on mortgage banking activities changed year-over-year?
Univest Financial Corporation's banking — net gain on mortgage banking activities decreased by 36.1% year-over-year, from $1.32M to $840.5K.
What is the long-term trend for Univest Financial Corporation's banking — net gain on mortgage banking activities?
Over 4 years (2021 to 2025), Univest Financial Corporation's banking — net gain on mortgage banking activities has grown at a -31.4% compound annual growth rate (CAGR), from $15.14M to $3.36M.
What does banking — net gain on mortgage banking activities mean?
This captures the net profit or loss realized from originating, selling, and servicing mortgage loans in the secondary market. It is a key indicator of the bank's mortgage production volume and its ability to manage interest rate risk during the loan sale process. Fluctuations often reflect broader trends in the housing market and mortgage interest rate environments.

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