UVSP Stock Analysis: Univest Pennsylvania | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.137m USD | 12M Return: 40% | US9152711001 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.2M
EPS Trend: 82.9%
Qual. Beats: -1
Rev. Trend: 92.8%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Univest Financial Corporation (NASDAQ: UVSP) is a bank holding company that operates Univest Bank and Trust Co., headquartered in Souderton, Pennsylvania. Founded in 1876, the company is a regional bank that has built a diversified business across three operating segments: Banking, Wealth Management, and Insurance. The corporate name was changed from Univest Corporation of Pennsylvania to Univest Financial Corporation in January 2019.
The Banking segment is the core of the franchise, providing deposit products, loan origination and servicing, mortgage banking, and equipment lease financing to individuals, businesses, municipalities, and non-profit organizations. As a regional bank serving its local Pennsylvania market, Univest relies on community-based deposit gathering and relationship lending rather than national or capital-markets activities, a business model typical of U.S. regional banks in the Financials sector.
The Wealth Management segment delivers investment advisory, financial planning, trust, and brokerage services to private families, individuals, and institutional clients such as municipal pension plans and retirement plans. The Insurance segment operates as a full-service insurance brokerage, offering commercial property and casualty, employee benefits, personal lines, and human resources consulting. Together, the wealth and insurance arms generate fee-based revenue that complements traditional net interest income from the banking business, a common diversification approach among community banks seeking more stable, non-cyclical income streams.
- Net interest margin moves with Fed rate path
- Wealth Management and Insurance fees diversify revenue base
- Commercial loan growth and credit quality in Pennsylvania market
| Net Income: 98.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.02 > 1.0 |
| NWC/Revenue: -1.30k% < 20% (prev -1.22k%; Δ -79.82% < -1%) |
| CFO/TA 0.01 > 3% & CFO 108.8m > Net Income 98.4m |
| Net Debt (217.1m) to EBITDA (128.1m): 1.69 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.0m) vs 12m ago -3.64% < -2% |
| Gross Margin: 63.54% > 18% (prev 58.73%; Δ 4.81% > 0.5%) |
| Asset Turnover: 6.46% > 50% (prev 6.40%; Δ 0.05% > 0%) |
| Interest Coverage Ratio: 0.67 > 6 (EBIT TTM 122.8m / Interest Expense TTM 182.4m) |
| A: -0.82 (Total Current Assets 79.5m - Total Current Liabilities 6.84b) / Total Assets 8.20b |
| B: 0.08 (Retained Earnings 628.3m / Total Assets 8.20b) |
| C: 0.02 (EBIT TTM 122.8m / Avg Total Assets 8.07b) |
| D: 0.13 (Book Value of Equity 954.3m / Total Liabilities 7.25b) |
| Altman-Z'' = -4.92 = D |
As of October 06, 2026, the stock is trading at USD 41.65 with a total of 173,835 shares traded. Over the past week, the price has changed by +0.12%, over one month by -1.05%, over three months by -5.30% and over the past year by +39.96%.
Current recommended Stop Loss: 40.70 (which is 2.3% or 1.3 ATR below the current price).
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 | 45.5 | 9.2% |
P/E Trailing = 11.9133
P/E Forward = 13.0208
P/S = 3.4463
P/B = 1.1967
P/EG = 1.3027
Revenue TTM = 521.1m USD
EBIT TTM = 122.8m USD
EBITDA TTM = 128.1m USD
Long Term Debt = 224.0m USD (from longTermDebt, last quarter)
Short Term Debt = 18.8m USD (from shortTermDebt, last quarter)
Debt = 296.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 26.9m
Net Debt = 217.1m USD (calculated: Debt 296.5m - CCE 79.5m)
Enterprise Value = 1.35b USD (1.14b + Debt 296.5m - CCE 79.5m)
Interest Coverage Ratio = 0.67 (Ebit TTM 122.8m / Interest Expense TTM 182.4m)
EV/FCF = 13.16x (Enterprise Value 1.35b / FCF TTM 102.9m)
FCF Yield = 7.60% (FCF TTM 102.9m / Enterprise Value 1.35b)
FCF Margin = 19.74% (FCF TTM 102.9m / Revenue TTM 521.1m)
Net Margin = 18.89% (Net Income TTM 98.4m / Revenue TTM 521.1m)
Gross Margin = 63.54% ((Revenue TTM 521.1m - Cost of Revenue TTM 190.0m) / Revenue TTM)
Gross Margin QoQ = 64.71% (prev 65.82%)
Tobins Q-Ratio = 0.17 (Enterprise Value 1.35b / Total Assets 8.20b)
Interest Expense / Debt = 61.49% (Interest Expense 182.4m / Debt 296.5m)
Taxrate = 19.86% (24.4m / 122.8m)
NOPAT = 98.4m (EBIT 122.8m * (1 - 19.86%))
Current Ratio = 0.01 (Total Current Assets 79.5m / Total Current Liabilities 6.84b)
Debt / Equity = 0.31 (Debt 296.5m / totalStockholderEquity, last quarter 954.3m)
Debt / EBITDA = 1.69 (Net Debt 217.1m / EBITDA 128.1m)
Debt / FCF = 2.11 (Net Debt 217.1m / FCF TTM 102.9m)
Total Stockholder Equity = 945.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 98.4m / Total Assets 8.20b)
RoE = 10.41% (Net Income TTM 98.4m / Total Stockholder Equity 945.7m)
RoCE = 10.50% (EBIT 122.8m / Capital Employed (Equity 945.7m + L.T.Debt 224.0m))
RoIC = 1.20% (NOPAT 98.4m / Invested Capital 8.18b)
WACC = 6.51% (E(1.14b)/V(1.43b) * Re(8.21%) + (debt cost/tax rate unavailable))
Discount Rate = 8.21% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -92.49 | Cagr: -2.40%
[DCF] Terminal Value 75.65% ; FCFF base≈102.2m ; Y1≈104.0m ; Y5≈113.2m
[DCF] Fair Price = 55.77 (EV 1.76b - Net Debt 217.1m = Equity 1.54b / Shares 27.6m; r=8.35% [WACC [floored]]; 5y FCF grow 1.61% → 2.50% )
EPS Correlation: 82.85 | EPS CAGR: 12.99% | SUE: -0.85 | # QB: -1
Revenue Correlation: 92.80 | Revenue CAGR: 6.78% | SUE: 0.57 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.98 | Chg30d=+0.35% | Revisions=+50% | Analysts=3
EPS current Year (2026-12-31): EPS=3.81 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+22.7% | GrowthRev=+8.3%
EPS next Year (2027-12-31): EPS=3.93 | Chg30d=+0.08% | Revisions=+50% | GrowthEPS=+3.2% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +75% (up=9, down=0)