(UVSP) Univest Pennsylvania - Overview
Stock: Loans, Deposits, Investment Advisory, Insurance Brokerage, Trust Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.92% |
| Yield on Cost 5y | 4.14% |
| Yield CAGR 5y | 2.12% |
| Payout Consistency | 97.1% |
| Payout Ratio | 23.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.9% |
| Relative Tail Risk | -11.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.51 |
| Alpha | 5.08 |
| Character TTM | |
|---|---|
| Beta | 0.786 |
| Beta Downside | 0.863 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.55% |
| CAGR/Max DD | 0.29 |
Description: UVSP Univest Pennsylvania January 21, 2026
Univest Financial Corporation (NASDAQ:UVSP) is a bank holding company headquartered in Souderton, Pennsylvania. It operates through three core segments: Banking, which delivers deposit, loan, mortgage, and equipment-lease services to individuals, businesses, municipalities and nonprofits; Wealth Management, which offers investment advisory, financial planning, trust, and brokerage solutions to private families, municipal pension funds and retirement plans; and Insurance, a full-service brokerage providing commercial property-casualty, employee benefits, personal lines and HR consulting.
As of the latest quarter (Q4 2023), UVSP reported total assets of roughly $9.2 billion, a net interest margin of 3.4%, and a CET1 capital ratio of 12.1%, comfortably above the regulatory minimum. Net income grew 7% year-over-year to $28 million, driven primarily by modest loan-portfolio expansion (≈3% YoY) and tighter expense management.
The regional-bank sector remains highly sensitive to the Federal Reserve’s policy stance. A sustained high-interest-rate environment supports net interest income but also pressures credit-quality metrics as borrowers face higher financing costs. Additionally, competition from fintech platforms is accelerating digitization, prompting UVSP to invest in online banking capabilities to retain younger depositors.
For a deeper, data-driven look at UVSP’s valuation dynamics, you might explore the analytics on ValueRay to see how these fundamentals translate into market expectations.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 90.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.25 > 1.0 |
| NWC/Revenue: 8.90% < 20% (prev -1238 %; Δ 1247 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 98.9m > Net Income 90.8m |
| Net Debt (158.3m) to EBITDA (117.9m): 1.34 < 3 |
| Current Ratio: 5.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.4m) vs 12m ago -2.39% < -2% |
| Gross Margin: 61.04% > 18% (prev 0.59%; Δ 6045 % > 0.5%) |
| Asset Turnover: 6.26% > 50% (prev 6.16%; Δ 0.10% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBITDA TTM 117.9m / Interest Expense TTM 190.3m) |
Altman Z'' 0.43
| A: 0.01 (Total Current Assets 57.3m - Total Current Liabilities 11.1m) / Total Assets 8.44b |
| B: 0.07 (Retained Earnings 591.2m / Total Assets 8.44b) |
| C: 0.01 (EBIT TTM 84.6m / Avg Total Assets 8.28b) |
| D: 0.10 (Book Value of Equity 723.5m / Total Liabilities 7.49b) |
| Altman-Z'' Score: 0.43 = B |
What is the price of UVSP shares?
Over the past week, the price has changed by +8.12%, over one month by +9.10%, over three months by +21.75% and over the past year by +15.86%.
Is UVSP a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UVSP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33.3 | -7% |
| Analysts Target Price | 33.3 | -7% |
| ValueRay Target Price | 39.1 | 9% |
UVSP Fundamental Data Overview January 31, 2026
P/S = 2.9449
P/B = 0.9755
P/EG = 4.47
Revenue TTM = 518.3m USD
EBIT TTM = 84.6m USD
EBITDA TTM = 117.9m USD
Long Term Debt = 329.6m USD (from longTermDebt, two quarters ago)
Short Term Debt = 24.4m USD (from shortTermDebt, last quarter)
Debt = 380.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 158.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.25b USD (931.7m + Debt 380.3m - CCE 57.3m)
Interest Coverage Ratio = 0.44 (Ebit TTM 84.6m / Interest Expense TTM 190.3m)
EV/FCF = 13.30x (Enterprise Value 1.25b / FCF TTM 94.3m)
FCF Yield = 7.52% (FCF TTM 94.3m / Enterprise Value 1.25b)
FCF Margin = 18.20% (FCF TTM 94.3m / Revenue TTM 518.3m)
Net Margin = 17.51% (Net Income TTM 90.8m / Revenue TTM 518.3m)
Gross Margin = 61.04% ((Revenue TTM 518.3m - Cost of Revenue TTM 202.0m) / Revenue TTM)
Gross Margin QoQ = 60.88% (prev 62.88%)
Tobins Q-Ratio = 0.15 (Enterprise Value 1.25b / Total Assets 8.44b)
Interest Expense / Debt = 12.93% (Interest Expense 49.2m / Debt 380.3m)
Taxrate = 20.79% (5.97m / 28.7m)
NOPAT = 67.0m (EBIT 84.6m * (1 - 20.79%))
Current Ratio = 5.15 (Total Current Assets 57.3m / Total Current Liabilities 11.1m)
Debt / Equity = 0.40 (Debt 380.3m / totalStockholderEquity, last quarter 943.3m)
Debt / EBITDA = 1.34 (Net Debt 158.3m / EBITDA 117.9m)
Debt / FCF = 1.68 (Net Debt 158.3m / FCF TTM 94.3m)
Total Stockholder Equity = 924.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.10% (Net Income 90.8m / Total Assets 8.44b)
RoE = 9.82% (Net Income TTM 90.8m / Total Stockholder Equity 924.2m)
RoCE = 6.75% (EBIT 84.6m / Capital Employed (Equity 924.2m + L.T.Debt 329.6m))
RoIC = 5.35% (NOPAT 67.0m / Invested Capital 1.25b)
WACC = 9.22% (E(931.7m)/V(1.31b) * Re(8.81%) + D(380.3m)/V(1.31b) * Rd(12.93%) * (1-Tc(0.21)))
Discount Rate = 8.81% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.01%
[DCF Debug] Terminal Value 71.76% ; FCFF base≈85.0m ; Y1≈76.1m ; Y5≈64.7m
Fair Price DCF = 27.89 (EV 943.5m - Net Debt 158.3m = Equity 785.2m / Shares 28.2m; r=9.22% [WACC]; 5y FCF grow -12.87% → 2.90% )
EPS Correlation: 41.84 | EPS CAGR: 4.08% | SUE: 0.62 | # QB: 0
Revenue Correlation: 89.65 | Revenue CAGR: 18.10% | SUE: 3.14 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.73 | Chg30d=-0.053 | Revisions Net=+2 | Analysts=1
EPS current Year (2026-12-31): EPS=3.00 | Chg30d=-0.160 | Revisions Net=+2 | Growth EPS=-2.0% | Growth Revenue=-31.8%
EPS next Year (2027-12-31): EPS=3.47 | Chg30d=+0.040 | Revisions Net=+0 | Growth EPS=+15.7% | Growth Revenue=+8.1%