(UVSP) Univest Pennsylvania - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.048m USD | Total Return: 36.4% in 12m
Avg Turnover: 7.23M
EPS Trend: 59.2%
Qual. Beats: 1
Rev. Trend: 92.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Supp Ema20, Confidence
Univest Financial Corporation (NASDAQ: UVSP) is a regional financial services holding company headquartered in Souderton, Pennsylvania. Established in 1876, the firm operates a diversified business model through three primary segments: Banking, Wealth Management, and Insurance. This structure allows the company to generate non-interest income through fee-based services like equipment leasing and insurance brokerage, which can hedge against interest rate volatility affecting traditional lending.
The Banking segment serves a broad client base including municipalities and non-profits, while the Wealth Management and Insurance divisions provide specialized advisory and risk management solutions. As a regional bank, Univest relies heavily on localized economic conditions in the Mid-Atlantic region to drive loan demand and deposit growth. Investors may find it useful to examine ValueRay for deeper insights into the companys valuation metrics.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Commercial real estate loan portfolio performance impacts credit loss provisions
- Wealth management fee growth provides diversified non-interest revenue streams
- Regional economic stability in Pennsylvania influences loan demand and asset quality
- Operating leverage improvements through digital banking transition and branch optimization
| Net Income: 95.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.29 > 1.0 |
| NWC/Revenue: -1.27k% < 20% (prev -1.25k%; Δ -20.01% < -1%) |
| CFO/TA 0.01 > 3% & CFO 108.0m > Net Income 95.5m |
| Net Debt (122.5m) to EBITDA (124.8m): 0.98 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.2m) vs 12m ago -4.01% < -2% |
| Gross Margin: 62.21% > 18% (prev 0.59%; Δ 6.16k% > 0.5%) |
| Asset Turnover: 6.48% > 50% (prev 6.30%; Δ 0.18% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBITDA TTM 124.8m / Interest Expense TTM 186.6m) |
| A: -0.81 (Total Current Assets 233.0m - Total Current Liabilities 6.84b) / Total Assets 8.14b |
| B: 0.08 (Retained Earnings 611.8m / Total Assets 8.14b) |
| C: 0.01 (EBIT TTM 119.3m / Avg Total Assets 8.06b) |
| D: 0.10 (Book Value of Equity 743.6m / Total Liabilities 7.19b) |
| Altman-Z'' = -4.87 = D |
| DSRI: 0.12 (Receivables 29.6m/233.0m, Revenue 522.1m/502.0m) |
| GMI: 0.94 (GM 62.21% / 58.67%) |
| AQI: 1.03 (AQ_t 0.96 / AQ_t-1 0.94) |
| SGI: 1.04 (Revenue 522.1m / 502.0m) |
| TATA: -0.00 (NI 95.5m - CFO 108.0m) / TA 8.14b) |
| Beneish M = -3.76 (Cap -4..+1) = AAA |
As of May 24, 2026, the stock is trading at USD 39.31 with a total of 204,122 shares traded.
Over the past week, the price has changed by +4.44%,
over one month by +7.64%,
over three months by +16.90% and
over the past year by +36.38%.
Univest Pennsylvania has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold UVSP.
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 40 | 1.8% |
P/E Forward = 13.0208
P/S = 3.2385
P/B = 1.1376
P/EG = 1.3027
Revenue TTM = 522.1m USD
EBIT TTM = 119.3m USD
EBITDA TTM = 124.8m USD
Long Term Debt = 273.9m USD (from longTermDebt, last quarter)
Short Term Debt = 26.2m USD (from shortTermDebt, last quarter)
Debt = 355.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 27.7m
Net Debt = 122.5m USD (calculated: Debt 355.5m - CCE 233.0m)
Enterprise Value = 1.17b USD (1.05b + Debt 355.5m - CCE 233.0m)
Interest Coverage Ratio = 0.64 (Ebit TTM 119.3m / Interest Expense TTM 186.6m)
EV/FCF = 11.67x (Enterprise Value 1.17b / FCF TTM 100.3m)
FCF Yield = 8.57% (FCF TTM 100.3m / Enterprise Value 1.17b)
FCF Margin = 19.20% (FCF TTM 100.3m / Revenue TTM 522.1m)
Net Margin = 18.28% (Net Income TTM 95.5m / Revenue TTM 522.1m)
Gross Margin = 62.21% ((Revenue TTM 522.1m - Cost of Revenue TTM 197.3m) / Revenue TTM)
Gross Margin QoQ = 65.82% (prev 60.88%)
Tobins Q-Ratio = 0.14 (Enterprise Value 1.17b / Total Assets 8.14b)
Interest Expense / Debt = 52.51% (Interest Expense 186.6m / Debt 355.5m)
Taxrate = 19.08% (6.39m / 33.5m)
NOPAT = 96.5m (EBIT 119.3m * (1 - 19.08%))
Current Ratio = 0.03 (Total Current Assets 233.0m / Total Current Liabilities 6.84b)
Debt / Equity = 0.37 (Debt 355.5m / totalStockholderEquity, last quarter 952.0m)
Debt / EBITDA = 0.98 (Net Debt 122.5m / EBITDA 124.8m)
Debt / FCF = 1.22 (Net Debt 122.5m / FCF TTM 100.3m)
Total Stockholder Equity = 936.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 95.5m / Total Assets 8.14b)
RoE = 10.19% (Net Income TTM 95.5m / Total Stockholder Equity 936.3m)
RoCE = 9.86% (EBIT 119.3m / Capital Employed (Equity 936.3m + L.T.Debt 273.9m))
RoIC = 7.73% (NOPAT 96.5m / Invested Capital 1.25b)
WACC = 6.55% (E(1.05b)/V(1.40b) * Re(8.77%) + (debt cost/tax rate unavailable))
Discount Rate = 8.77% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.22 | Cagr: -2.03%
[DCF] Terminal Value 77.97% ; FCFF base≈90.2m ; Y1≈103.4m ; Y5≈152.2m
[DCF] Fair Price = 77.85 (EV 2.29b - Net Debt 122.5m = Equity 2.17b / Shares 27.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 59.20 | EPS CAGR: 7.54% | SUE: 3.97 | # QB: 1
Revenue Correlation: 92.19 | Revenue CAGR: 9.20% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.86 | Chg30d=+5.74% | Revisions=+43% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.91 | Chg30d=+3.40% | Revisions=+43% | Analysts=3
EPS current Year (2026-12-31): EPS=3.63 | Chg30d=+6.35% | Revisions=+43% | GrowthEPS=+16.9% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=3.76 | Chg30d=+1.80% | Revisions=+43% | GrowthEPS=+3.8% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +43%