For the quarter ending 2026-03-31, UVSP had -$331,355K decrease in cash & cash equivalents over the period. $21,556K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 27,092 | 22,745 | 25,639 | 42,373 |
| Provision for credit losses | 1,303 | 3,145 | 517 | 8,005 |
| Depreciation of premises and equipment | 1,358 | 1,378 | 1,396 | 2,731 |
| Net amortization of investment securities premiums and discounts | -210 | -245 | -243 | -480 |
| Amortization, fair market value adjustments and capitalization of servicing rights | -348 | 108 | 323 | 81 |
| Net gain on sales of investment securities | - | 0 | 0 | - |
| Net gain on mortgage banking activities | 791 | 886 | 848 | 1,628 |
| Bank owned life insurance income | 1,332 | 970 | 1,908 | 2,971 |
| Stock-based compensation | 1,238 | 1,288 | 1,150 | 2,252 |
| Intangible expenses | 93 | 102 | 106 | 261 |
| Other adjustments to reconcile net income to cash used in operating activities | 756 | 1,884 | 961 | 1,567 |
| Deferred tax expense (benefit) | - | 508 | - | - |
| Originations of loans held for sale | 43,323 | 61,912 | 56,630 | 95,067 |
| Proceeds from the sale of loans held for sale | 49,410 | 53,520 | 68,556 | 95,735 |
| Contributions to pension and other postretirement benefit plans | 68 | 58 | 74 | 125 |
| Increase in accrued interest receivable and other assets | 7,701 | -9,396 | 3,734 | 3,526 |
| Decrease in accrued interest payable and other liabilities | -4,251 | 3,945 | -1,791 | -8,176 |
| Net cash provided by operating activities | 22,134 | 30,670 | 31,984 | 38,858 |
| Proceeds from sale of premises and equipment | 9 | -16 | 122 | 305 |
| Purchases of premises and equipment | 578 | 670 | 622 | 3,293 |
| Proceeds from maturities, calls and principal repayments of securities held-to-maturity | 3,461 | 2,941 | 3,640 | 6,727 |
| Proceeds from maturities, calls and principal repayments of securities available-for-sale | 17,170 | 16,859 | 13,937 | 24,025 |
| Proceeds from sales | - | 0 | 0 | - |
| Purchases of investment securities held-to-maturity | - | 0 | 1,310 | 1,236 |
| Purchases of investment securities available-for-sale | 26,281 | 16,466 | 12,469 | 22,380 |
| Proceeds from sales of equity securities | 2,290 | 1,510 | 2,475 | 2,955 |
| Purchases of money market mutual funds | 3,174 | 1,111 | 3,087 | 2,250 |
| Net decrease (increase) in other investments | - | -1,172 | - | - |
| Proceeds from sale of loans originally held-for-investment | - | 0 | - | - |
| Net decrease in other investments | -2,934 | - | 3,135 | -2,498 |
| Net increase in loans and leases | 30,679 | 129,460 | -14,216 | -14,283 |
| Proceeds from sales of foreclosed / repossessed assets | 0 | 47 | 36 | 239 |
| Purchases of bank owned life insurance | 1,646 | 0 | 0 | 0 |
| Proceeds from bank owned life insurance | 0 | 13 | 2,950 | 2,236 |
| Net cash used in investing activities | -37,131 | -124,544 | 16,753 | 24,109 |
| Net decrease in deposits | -273,550 | -130,830 | 635,483 | -176,602 |
| Net increase (decrease) in short-term borrowings | 1,745 | 12,460 | 5,680 | -4,910 |
| Proceeds from issuance of long-term debt | 25,000 | 0 | 0 | 50,000 |
| Repayment of long-term debt | 50,000 | 0 | 0 | 75,000 |
| Proceeds from issuance of subordinated notes | - | 50,000 | - | - |
| Subordinated notes issuance costs | - | 802 | - | - |
| Early repayment of subordinated debt | 51 | 80,000 | 20,000 | - |
| Payment of contingent consideration on acquisitions | 0 | 0 | 0 | 635 |
| Payment for shares withheld to cover taxes on vesting of restricted stock units | 1,873 | 15 | 14 | 1,582 |
| Purchases of treasury stock | 11,894 | 15,417 | 7,768 | 11,440 |
| Stock issued under dividend reinvestment and employee stock purchase plans | 576 | 584 | 583 | 1,149 |
| Proceeds from exercise of stock options | 212 | 1,125 | 0 | 323 |
| Cash dividends paid | 6,523 | 6,258 | 6,327 | 12,749 |
| Net cash used in financing activities | -316,358 | -169,153 | 607,637 | -231,446 |
| Net decrease in cash and cash equivalents | -331,355 | -263,027 | 656,374 | -168,479 |
| Cash and cash equivalents at beginning of year | 553,712 | 816,739 | 328,844 | - |
| Cash and cash equivalents at end of period | 222,357 | 553,712 | 816,739 | - |
UNIVEST FINANCIAL Corp (UVSP)
UNIVEST FINANCIAL Corp (UVSP)