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Side-by-side financial comparison of TSS, Inc. (TSSI) 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 $60.9M, roughly 1.4× TSS, Inc.). UNIVEST FINANCIAL Corp runs the higher net margin — 31.0% vs 20.0%, a 11.0% gap on every dollar of revenue. Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% CAGR vs 10.2%).
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.
TSSI vs UVSP — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $60.9M | $87.5M |
| Net Profit | $12.2M | $27.1M |
| Gross Margin | 17.6% | — |
| Operating Margin | 1.5% | — |
| Net Margin | 20.0% | 31.0% |
| Revenue YoY | 21.8% | — |
| Net Profit YoY | 535.7% | — |
| EPS (diluted) | $0.44 | $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 | $60.9M | $84.6M | ||
| Q3 25 | $41.9M | $83.2M | ||
| Q2 25 | $44.0M | $81.0M | ||
| Q1 25 | $99.0M | $79.2M | ||
| Q4 24 | $50.0M | $76.8M | ||
| Q3 24 | $70.1M | $73.4M | ||
| Q2 24 | $12.2M | $72.0M |
| Q1 26 | — | $27.1M | ||
| Q4 25 | $12.2M | $22.7M | ||
| Q3 25 | $-1.5M | $25.6M | ||
| Q2 25 | $1.5M | $20.0M | ||
| Q1 25 | $3.0M | $22.4M | ||
| Q4 24 | $1.9M | $18.9M | ||
| Q3 24 | $2.6M | $18.6M | ||
| Q2 24 | $1.4M | $18.1M |
| Q1 26 | — | — | ||
| Q4 25 | 17.6% | — | ||
| Q3 25 | 11.1% | — | ||
| Q2 25 | 17.8% | — | ||
| Q1 25 | 9.3% | — | ||
| Q4 24 | 14.4% | — | ||
| Q3 24 | 11.3% | — | ||
| Q2 24 | 37.3% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.5% | 34.0% | ||
| Q3 25 | -2.2% | 38.5% | ||
| Q2 25 | 5.1% | 30.9% | ||
| Q1 25 | 4.2% | 34.8% | ||
| Q4 24 | 0.0% | 30.9% | ||
| Q3 24 | 5.4% | 31.9% | ||
| Q2 24 | 14.0% | 31.4% |
| Q1 26 | — | 31.0% | ||
| Q4 25 | 20.0% | 26.9% | ||
| Q3 25 | -3.6% | 30.8% | ||
| Q2 25 | 3.4% | 24.7% | ||
| Q1 25 | 3.0% | 28.3% | ||
| Q4 24 | 3.8% | 24.7% | ||
| Q3 24 | 3.8% | 25.3% | ||
| Q2 24 | 11.5% | 25.1% |
| Q1 26 | — | $0.96 | ||
| Q4 25 | $0.44 | $0.78 | ||
| Q3 25 | $-0.06 | $0.89 | ||
| Q2 25 | $0.06 | $0.69 | ||
| Q1 25 | $0.12 | $0.77 | ||
| Q4 24 | $0.08 | $0.64 | ||
| Q3 24 | $0.10 | $0.63 | ||
| Q2 24 | $0.06 | $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 | $85.5M | $222.4M |
| Total DebtLower is stronger | — | $201.2M |
| Stockholders' EquityBook value | $76.6M | $952.0M |
| Total Assets | $184.9M | $8.1B |
| Debt / EquityLower = less leverage | — | 0.21× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $222.4M | ||
| Q4 25 | $85.5M | — | ||
| Q3 25 | $70.7M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $23.2M | — | ||
| Q3 24 | $46.4M | — | ||
| Q2 24 | $8.3M | — |
| Q1 26 | — | $201.2M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $952.0M | ||
| Q4 25 | $76.6M | $943.3M | ||
| Q3 25 | $63.4M | $933.2M | ||
| Q2 25 | $9.5M | $916.7M | ||
| Q1 25 | $9.4M | $903.5M | ||
| Q4 24 | $7.1M | $887.3M | ||
| Q3 24 | $7.7M | $877.1M | ||
| Q2 24 | $5.2M | $854.1M |
| Q1 26 | — | $8.1B | ||
| Q4 25 | $184.9M | $8.4B | ||
| Q3 25 | $165.4M | $8.6B | ||
| Q2 25 | $139.5M | $7.9B | ||
| Q1 25 | $113.5M | $8.0B | ||
| Q4 24 | $96.6M | $8.1B | ||
| Q3 24 | $67.3M | $8.2B | ||
| Q2 24 | $28.9M | $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 | $16.3M | — |
| Free Cash FlowOCF − Capex | $15.8M | — |
| FCF MarginFCF / Revenue | 25.9% | — |
| Capex IntensityCapex / Revenue | 0.9% | — |
| Cash ConversionOCF / Net Profit | 1.34× | — |
| TTM Free Cash FlowTrailing 4 quarters | $2.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $16.3M | $101.5M | ||
| Q3 25 | $-18.4M | $32.0M | ||
| Q2 25 | $16.3M | $23.3M | ||
| Q1 25 | $20.6M | $15.6M | ||
| Q4 24 | $-21.6M | $75.1M | ||
| Q3 24 | $38.6M | $38.9M | ||
| Q2 24 | $-4.3M | $-3.4M |
| Q1 26 | — | — | ||
| Q4 25 | $15.8M | $96.9M | ||
| Q3 25 | $-24.9M | $31.4M | ||
| Q2 25 | $5.4M | $21.9M | ||
| Q1 25 | $5.8M | $13.7M | ||
| Q4 24 | $-28.4M | $72.0M | ||
| Q3 24 | $38.6M | $38.3M | ||
| Q2 24 | $-6.0M | $-4.2M |
| Q1 26 | — | — | ||
| Q4 25 | 25.9% | 114.6% | ||
| Q3 25 | -59.3% | 37.7% | ||
| Q2 25 | 12.3% | 27.0% | ||
| Q1 25 | 5.8% | 17.2% | ||
| Q4 24 | -56.7% | 93.8% | ||
| Q3 24 | 55.1% | 52.2% | ||
| Q2 24 | -49.4% | -5.9% |
| Q1 26 | — | — | ||
| Q4 25 | 0.9% | 5.4% | ||
| Q3 25 | 15.3% | 0.7% | ||
| Q2 25 | 24.8% | 1.7% | ||
| Q1 25 | 15.0% | 2.5% | ||
| Q4 24 | 13.4% | 4.0% | ||
| Q3 24 | 0.1% | 0.8% | ||
| Q2 24 | 13.8% | 1.1% |
| Q1 26 | — | — | ||
| Q4 25 | 1.34× | 4.46× | ||
| Q3 25 | — | 1.25× | ||
| Q2 25 | 11.02× | 1.16× | ||
| Q1 25 | 6.93× | 0.70× | ||
| Q4 24 | -11.32× | 3.97× | ||
| Q3 24 | 14.60× | 2.09× | ||
| Q2 24 | -3.09× | -0.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
UVSP
| Net Interest Income | $63.4M | 72% |
| Noninterest Income | $24.1M | 28% |
