UVSPUNIVEST FINANCIAL Corp
State Commercial Banks
- Revenue
- $328M
- 9.6% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $15M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear112% of net incomeCash flow under 80% of net income
- Dilutive SBCClear1% of revenueOver 10% of revenue
- Payouts exceed cash flowClear59% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear2% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $0 | $296M | $297M | $299M | $328M | 9.6% |
| Net income | $92M | $78M | $71M | $76M | $91M | 20% |
| Operating cash flow | $102M | $109M | $90M | $75M | $102M | 35% |
| Capex | $6M | $5M | $7M | $3M | $5M | 48% |
| Stock-based comp | $4M | $4M | $4M | $5M | $5M | 1.6% |
| Buybacks | $295K | $11M | $462K | $19M | $35M | 83% |
| Dividends | $24M | $25M | $25M | $25M | $25M | 2.0% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.