UVSP Stock Analysis: Univest Pennsylvania | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.229m USD | 12M Return: 40.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.15M
EPS Trend: 59.2%
Qual. Beats: 1
Rev. Trend: 92.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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 U.S. bank holding company that operates Univest Bank and Trust Co. and conducts its business through three core segments: Banking, Wealth Management, and Insurance. Its Banking segment serves individuals, businesses, municipalities, and non-profit organizations with deposit services, loan origination, mortgage banking, and equipment lease financing. The Wealth Management segment provides investment advisory, financial planning, trust, and brokerage services to private clients and institutional accounts, while the Insurance segment operates as a full-service brokerage offering commercial and personal property/casualty coverage, employee benefits, and HR consulting.
As a regional bank, Univest follows a community banking model, generating revenue primarily from net interest income on loans and deposits, supplemented by non-interest fee income from its wealth and insurance operations-a diversification strategy common among mid-sized regional banks seeking to reduce dependence on spread-based earnings. Founded in 1876 and headquartered in Souderton, Pennsylvania, the company was renamed from Univest Corporation of Pennsylvania to Univest Financial Corporation in January 2019.
- Net interest margin pressured by rising deposit costs
- Loan growth slows amid commercial real estate weakness
- Fee income from wealth and insurance diversifies revenue
| 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 (124.5m): 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 58.67%; Δ 3.54% > 0.5%) |
| Asset Turnover: 6.48% > 50% (prev 6.30%; Δ 0.18% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBIT TTM 119.3m / 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: 0.13 (Book Value of Equity 952.0m / Total Liabilities 7.19b) |
| Altman-Z'' = -4.84 = D |
As of July 08, 2026, the stock is trading at USD 43.69 with a total of 153,604 shares traded. Over the past week, the price has changed by -1.13%, over one month by +6.74%, over three months by +22.80% and over the past year by +40.29%.
Current recommended Stop Loss: 42.20 (which is 3.4% 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 | 40 | -8.4% |
P/E Trailing = 13.2922
P/E Forward = 13.0208
P/S = 3.7979
P/B = 1.3207
P/EG = 1.3027
Revenue TTM = 522.1m USD
EBIT TTM = 119.3m USD
EBITDA TTM = 124.5m 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 = 1.35b USD (1.23b + Debt 355.5m - CCE 233.0m)
Interest Coverage Ratio = 0.64 (Ebit TTM 119.3m / Interest Expense TTM 186.6m)
EV/FCF = 13.48x (Enterprise Value 1.35b / FCF TTM 100.3m)
FCF Yield = 7.42% (FCF TTM 100.3m / Enterprise Value 1.35b)
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 = 0.17 (Enterprise Value 1.35b / Total Assets 8.14b)
Interest Expense / Debt = 52.51% (Interest Expense 186.6m / Debt 355.5m)
Taxrate = 19.97% (23.8m / 119.3m)
NOPAT = 95.5m (EBIT 119.3m * (1 - 19.97%))
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 124.5m)
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 = 7.33% (NOPAT 95.5m / Invested Capital 1.30b)
WACC = 6.48% (E(1.23b)/V(1.58b) * Re(8.35%) + (debt cost/tax rate unavailable))
Discount Rate = 8.35% (= 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=+50% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.91 | Chg30d=+3.40% | Revisions=+50% | Analysts=3
EPS current Year (2026-12-31): EPS=3.63 | Chg30d=+6.35% | Revisions=+50% | GrowthEPS=+16.9% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=3.76 | Chg30d=+1.80% | Revisions=+50% | GrowthEPS=+3.8% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +80% (up=12, down=0)