UVSPUNIVEST FINANCIAL Corp
State Commercial Banks
- Revenue
- $328M
- 9.6% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $1.1B
- Employees
- 144
- $2M revenue each
- Net debt / EBITDA
- —
- $15M net debt
- AI in 10-K
- 2.1
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo112% of net incomeCash flow under 80% of net income
- Dilutive SBCNo1% of revenueOver 10% of revenue
- Payouts exceed cash flowNo59% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo2% of assetsOver 40% of assets
- Shareholder dissentNo92% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo$2M · 99th pctBottom quartile of its SIC industry
- Quiet on AINo2.1 per 10K words · 57th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$1.1B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$3M netNet sales over $10M in 12 months
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
- Open-market buys, 12 mo
- $40K · 3
- Open-market sells, 12 mo
- $3M · 11
- Net
- −$3M
Pay vs performance
No pay-versus-performance disclosure yet.