UNIVEST FINANCIAL CORP (UVSP) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:UVSP • US9152711001

35.83 USD
+0.38 (+1.07%)
At close: Feb 6, 2026
35.83 USD
0 (0%)
After Hours: 2/6/2026, 4:10:10 PM
Fundamental Rating

4

UVSP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. While UVSP is still in line with the averages on profitability rating, there are concerns on its financial health. UVSP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year UVSP was profitable.
  • In the past year UVSP had a positive cash flow from operations.
  • UVSP had positive earnings in each of the past 5 years.
  • UVSP had a positive operating cash flow in 4 of the past 5 years.
UVSP Yearly Net Income VS EBIT VS OCF VS FCFUVSP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • With a decent Return On Assets value of 1.01%, UVSP is doing good in the industry, outperforming 61.36% of the companies in the same industry.
  • UVSP has a Return On Equity (9.32%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.01%
ROE 9.32%
ROIC N/A
ROA(3y)0.97%
ROA(5y)1.06%
ROE(3y)8.88%
ROE(5y)9.71%
ROIC(3y)N/A
ROIC(5y)N/A
UVSP Yearly ROA, ROE, ROICUVSP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 27.15%, UVSP is in the better half of the industry, outperforming 66.32% of the companies in the same industry.
  • UVSP's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for UVSP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.15%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.61%
PM growth 5Y8.36%
GM growth 3YN/A
GM growth 5YN/A
UVSP Yearly Profit, Operating, Gross MarginsUVSP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • UVSP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, UVSP has less shares outstanding
  • UVSP has less shares outstanding than it did 5 years ago.
  • UVSP has a worse debt/assets ratio than last year.
UVSP Yearly Shares OutstandingUVSP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
UVSP Yearly Total Debt VS Total AssetsUVSP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • UVSP has a debt to FCF ratio of 1.50. This is a very positive value and a sign of high solvency as it would only need 1.50 years to pay back of all of its debts.
  • UVSP's Debt to FCF ratio of 1.50 is in line compared to the rest of the industry. UVSP outperforms 55.87% of its industry peers.
  • A Debt/Equity ratio of 0.15 indicates that UVSP is not too dependend on debt financing.
  • UVSP has a Debt to Equity ratio (0.15) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC16.95%
UVSP Yearly LT Debt VS Equity VS FCFUVSP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UVSP Yearly Current Assets VS Current LiabilitesUVSP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.24% over the past year.
  • The Earnings Per Share has been growing by 13.73% on average over the past years. This is quite good.
  • Looking at the last year, UVSP shows a quite strong growth in Revenue. The Revenue has grown by 9.64% in the last year.
  • UVSP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.36% yearly.
EPS 1Y (TTM)21.24%
EPS 3Y5.69%
EPS 5Y13.73%
EPS Q2Q%21.54%
Revenue 1Y (TTM)9.64%
Revenue growth 3Y3.46%
Revenue growth 5Y5.36%
Sales Q2Q%10.12%

3.2 Future

  • UVSP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.59% yearly.
  • The Revenue is expected to grow by 4.91% on average over the next years.
EPS Next Y5.9%
EPS Next 2Y7.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.41%
Revenue Next 2Y4.91%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
UVSP Yearly Revenue VS EstimatesUVSP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
UVSP Yearly EPS VS EstimatesUVSP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • UVSP is valuated reasonably with a Price/Earnings ratio of 11.41.
  • UVSP's Price/Earnings ratio is a bit cheaper when compared to the industry. UVSP is cheaper than 72.58% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. UVSP is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.78, the valuation of UVSP can be described as reasonable.
  • UVSP's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of UVSP to the average of the S&P500 Index (27.20), we can say UVSP is valued rather cheaply.
Industry RankSector Rank
PE 11.41
Fwd PE 10.78
UVSP Price Earnings VS Forward Price EarningsUVSP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, UVSP is valued a bit cheaper than 67.62% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.82
EV/EBITDA N/A
UVSP Per share dataUVSP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.93
PEG (5Y)0.83
EPS Next 2Y7.59%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.48%, UVSP has a reasonable but not impressive dividend return.
  • UVSP's Dividend Yield is comparable with the industry average which is at 2.71.
  • UVSP's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.48%

5.2 History

  • The dividend of UVSP has a limited annual growth rate of 1.22%.
  • UVSP has been paying a dividend for at least 10 years, so it has a reliable track record.
  • UVSP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.22%
Div Incr Years0
Div Non Decr Years4
UVSP Yearly Dividends per shareUVSP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • UVSP pays out 28.95% of its income as dividend. This is a sustainable payout ratio.
  • UVSP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP28.95%
EPS Next 2Y7.59%
EPS Next 3YN/A
UVSP Yearly Income VS Free CF VS DividendUVSP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
UVSP Dividend Payout.UVSP Dividend Payout, showing the Payout Ratio.UVSP Dividend Payout.PayoutRetained Earnings

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UNIVEST FINANCIAL CORP

NASDAQ:UVSP (2/6/2026, 4:10:10 PM)

After market: 35.83 0 (0%)

35.83

+0.38 (+1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners80.1%
Inst Owner Change-1.18%
Ins Owners1.12%
Ins Owner Change-0.64%
Market Cap1.02B
Revenue(TTM)328.06M
Net Income(TTM)86.95M
Analysts47.5
Price Target34.68 (-3.21%)
Short Float %0.95%
Short Ratio1.67
Dividend
Industry RankSector Rank
Dividend Yield 2.48%
Yearly Dividend0.85
Dividend Growth(5Y)1.22%
DP28.95%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-11
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.6%
Min EPS beat(2)-1.6%
Max EPS beat(2)14.81%
EPS beat(4)3
Avg EPS beat(4)10.75%
Min EPS beat(4)-1.6%
Max EPS beat(4)17.34%
EPS beat(8)7
Avg EPS beat(8)15.78%
EPS beat(12)10
Avg EPS beat(12)11.5%
EPS beat(16)12
Avg EPS beat(16)7.53%
Revenue beat(2)0
Avg Revenue beat(2)-0.11%
Min Revenue beat(2)-0.17%
Max Revenue beat(2)-0.06%
Revenue beat(4)1
Avg Revenue beat(4)0.55%
Min Revenue beat(4)-0.17%
Max Revenue beat(4)2.51%
Revenue beat(8)2
Avg Revenue beat(8)0.12%
Revenue beat(12)3
Avg Revenue beat(12)-0.77%
Revenue beat(16)4
Avg Revenue beat(16)-0.95%
PT rev (1m)0%
PT rev (3m)2.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.22%
EPS NY rev (1m)0%
EPS NY rev (3m)6.68%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)0.8%
Valuation
Industry RankSector Rank
PE 11.41
Fwd PE 10.78
P/S 3.19
P/FCF 10.82
P/OCF 10.32
P/B 1.09
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)3.14
EY8.76%
EPS(NY)3.33
Fwd EY9.28%
FCF(TTM)3.31
FCFY9.24%
OCF(TTM)3.47
OCFY9.69%
SpS11.25
BVpS32.77
TBVpS26.34
PEG (NY)1.93
PEG (5Y)0.83
Graham Number48.11
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 9.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.15%
GM N/A
FCFM 29.45%
ROA(3y)0.97%
ROA(5y)1.06%
ROE(3y)8.88%
ROE(5y)9.71%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.61%
PM growth 5Y8.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.5
Debt/EBITDA N/A
Cap/Depr 82.7%
Cap/Sales 1.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 108.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.95%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.24%
EPS 3Y5.69%
EPS 5Y13.73%
EPS Q2Q%21.54%
EPS Next Y5.9%
EPS Next 2Y7.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.64%
Revenue growth 3Y3.46%
Revenue growth 5Y5.36%
Sales Q2Q%10.12%
Revenue Next Year4.41%
Revenue Next 2Y4.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y33.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y32.02%
OCF growth 3YN/A
OCF growth 5YN/A

UNIVEST FINANCIAL CORP / UVSP FAQ

What is the ChartMill fundamental rating of UNIVEST FINANCIAL CORP (UVSP) stock?

ChartMill assigns a fundamental rating of 4 / 10 to UVSP.


Can you provide the valuation status for UNIVEST FINANCIAL CORP?

ChartMill assigns a valuation rating of 5 / 10 to UNIVEST FINANCIAL CORP (UVSP). This can be considered as Fairly Valued.


How profitable is UNIVEST FINANCIAL CORP (UVSP) stock?

UNIVEST FINANCIAL CORP (UVSP) has a profitability rating of 4 / 10.


What are the PE and PB ratios of UNIVEST FINANCIAL CORP (UVSP) stock?

The Price/Earnings (PE) ratio for UNIVEST FINANCIAL CORP (UVSP) is 11.41 and the Price/Book (PB) ratio is 1.09.


How sustainable is the dividend of UNIVEST FINANCIAL CORP (UVSP) stock?

The dividend rating of UNIVEST FINANCIAL CORP (UVSP) is 6 / 10 and the dividend payout ratio is 28.95%.