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Side-by-side financial comparison of STEM, INC. (STEM) and UNIVEST FINANCIAL Corp (UVSP). Click either name above to swap in a different company.
UNIVEST FINANCIAL Corp is the larger business by last-quarter revenue ($87.5M vs $47.1M, roughly 1.9× STEM, INC.). UNIVEST FINANCIAL Corp runs the higher net margin — 31.0% vs -33.9%, a 64.9% gap on every dollar of revenue. Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 10.2%).
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
Univest Financial Corp is a U.S. regional financial services holding company based in Pennsylvania. It offers banking, wealth management, insurance, and lending solutions for individual consumers, SMEs, and institutional clients across its Mid-Atlantic operating regions.
STEM vs UVSP — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.1M | $87.5M |
| Net Profit | $-16.0M | $27.1M |
| Gross Margin | 48.9% | — |
| Operating Margin | -17.7% | — |
| Net Margin | -33.9% | 31.0% |
| Revenue YoY | -15.6% | — |
| Net Profit YoY | 68.8% | — |
| EPS (diluted) | $-4.40 | $0.96 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $87.5M | ||
| Q4 25 | $47.1M | $84.6M | ||
| Q3 25 | $38.2M | $83.2M | ||
| Q2 25 | $38.4M | $81.0M | ||
| Q1 25 | $32.5M | $79.2M | ||
| Q4 24 | $55.8M | $76.8M | ||
| Q3 24 | $29.3M | $73.4M | ||
| Q2 24 | $34.0M | $72.0M |
| Q1 26 | — | $27.1M | ||
| Q4 25 | $-16.0M | $22.7M | ||
| Q3 25 | $-23.8M | $25.6M | ||
| Q2 25 | $202.5M | $20.0M | ||
| Q1 25 | $-25.0M | $22.4M | ||
| Q4 24 | $-51.1M | $18.9M | ||
| Q3 24 | $-148.3M | $18.6M | ||
| Q2 24 | $-582.3M | $18.1M |
| Q1 26 | — | — | ||
| Q4 25 | 48.9% | — | ||
| Q3 25 | 35.5% | — | ||
| Q2 25 | 33.4% | — | ||
| Q1 25 | 32.4% | — | ||
| Q4 24 | -4.4% | — | ||
| Q3 24 | 21.2% | — | ||
| Q2 24 | 27.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | -17.7% | 34.0% | ||
| Q3 25 | -33.6% | 38.5% | ||
| Q2 25 | -34.8% | 30.9% | ||
| Q1 25 | -65.0% | 34.8% | ||
| Q4 24 | -84.4% | 30.9% | ||
| Q3 24 | -493.2% | 31.9% | ||
| Q2 24 | -1705.5% | 31.4% |
| Q1 26 | — | 31.0% | ||
| Q4 25 | -33.9% | 26.9% | ||
| Q3 25 | -62.2% | 30.8% | ||
| Q2 25 | 527.8% | 24.7% | ||
| Q1 25 | -76.9% | 28.3% | ||
| Q4 24 | -91.6% | 24.7% | ||
| Q3 24 | -506.3% | 25.3% | ||
| Q2 24 | -1712.6% | 25.1% |
| Q1 26 | — | $0.96 | ||
| Q4 25 | $-4.40 | $0.78 | ||
| Q3 25 | $-2.84 | $0.89 | ||
| Q2 25 | $-1.79 | $0.69 | ||
| Q1 25 | $-0.15 | $0.77 | ||
| Q4 24 | $-15.29 | $0.64 | ||
| Q3 24 | $-18.24 | $0.63 | ||
| Q2 24 | $-71.81 | $0.62 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $48.9M | $222.4M |
| Total DebtLower is stronger | — | $201.2M |
| Stockholders' EquityBook value | $-249.4M | $952.0M |
| Total Assets | $308.9M | $8.1B |
| Debt / EquityLower = less leverage | — | 0.21× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $222.4M | ||
| Q4 25 | $48.9M | — | ||
| Q3 25 | $43.1M | — | ||
| Q2 25 | $40.8M | — | ||
| Q1 25 | $58.6M | — | ||
| Q4 24 | $56.3M | — | ||
| Q3 24 | $75.4M | — | ||
| Q2 24 | $89.6M | — |
| Q1 26 | — | $201.2M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $952.0M | ||
| Q4 25 | $-249.4M | $943.3M | ||
| Q3 25 | $-235.7M | $933.2M | ||
| Q2 25 | $-214.1M | $916.7M | ||
| Q1 25 | $-417.5M | $903.5M | ||
| Q4 24 | $-398.4M | $887.3M | ||
| Q3 24 | $-344.1M | $877.1M | ||
| Q2 24 | $-203.2M | $854.1M |
| Q1 26 | — | $8.1B | ||
| Q4 25 | $308.9M | $8.4B | ||
| Q3 25 | $362.6M | $8.6B | ||
| Q2 25 | $379.2M | $7.9B | ||
| Q1 25 | $405.1M | $8.0B | ||
| Q4 24 | $437.4M | $8.1B | ||
| Q3 24 | $537.8M | $8.2B | ||
| Q2 24 | $691.5M | $7.9B |
| Q1 26 | — | 0.21× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $8.2M | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $8.2M | $101.5M | ||
| Q3 25 | $11.4M | $32.0M | ||
| Q2 25 | $-21.3M | $23.3M | ||
| Q1 25 | $8.5M | $15.6M | ||
| Q4 24 | $-14.7M | $75.1M | ||
| Q3 24 | $-9.4M | $38.9M | ||
| Q2 24 | $-11.9M | $-3.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | $96.9M | ||
| Q3 25 | — | $31.4M | ||
| Q2 25 | — | $21.9M | ||
| Q1 25 | — | $13.7M | ||
| Q4 24 | — | $72.0M | ||
| Q3 24 | — | $38.3M | ||
| Q2 24 | — | $-4.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | 114.6% | ||
| Q3 25 | — | 37.7% | ||
| Q2 25 | — | 27.0% | ||
| Q1 25 | — | 17.2% | ||
| Q4 24 | — | 93.8% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | -5.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 5.4% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | 4.0% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 1.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.46× | ||
| Q3 25 | — | 1.25× | ||
| Q2 25 | -0.11× | 1.16× | ||
| Q1 25 | — | 0.70× | ||
| Q4 24 | — | 3.97× | ||
| Q3 24 | — | 2.09× | ||
| Q2 24 | — | -0.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
STEM
Segment breakdown not available.
UVSP
| Net Interest Income | $63.4M | 72% |
| Noninterest Income | $24.1M | 28% |
