CNB Financial vs Univest Financial
Univest Financial is the larger business, with $328m of revenue in fiscal 2025 against $282m for CNB Financial (1.2 times as much). CNB Financial grew faster (24.5% against 9.6%). Univest Financial kept more of each dollar of sales as profit: a net margin of 27.7% against 23.4%.
| Latest fiscal year | CNB FinancialCCNE, 2025 | Univest FinancialUVSP, 2025 |
|---|---|---|
| Revenue | $282m | $328m |
| Revenue growth | 24.5% | 9.6% |
| Net income | $66.1m | $90.8m |
| Operating margin | — | — |
| Net margin | 23.4% | 27.7% |
| Return on equity | 8.9% | 9.9% |
| Free cash flow | $58.7m | $96.9m |
| Cash | $528m | $554m |
| Total debt | $249m | $24.4m |
| Debt to equity | — | — |
| Dividend per share | $0.72 | $0.87 |
| Dividend yield | 2.0% | 2.3% |
| Share buybacks | — | $34.6m |
| Employees | 950 | — |
| Market value | $1.06bn | $1.14bn |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 72 (Strong) |
| Insider trades, 12 months | 0 buys, 0 sales | 3 buys, 11 sales |