UNIVEST FINANCIAL CORP (UVSP) Fundamental Analysis & Valuation

NASDAQ:UVSP • US9152711001

33.06 USD
-0.6 (-1.78%)
At close: Mar 6, 2026
33.06 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This UVSP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Overall UVSP gets a fundamental rating of 5 out of 10. We evaluated UVSP against 381 industry peers in the Banks industry. Both the profitability and the financial health of UVSP get a neutral evaluation. Nothing too spectacular is happening here. UVSP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. UVSP Profitability Analysis

1.1 Basic Checks

  • In the past year UVSP was profitable.
  • UVSP had a positive operating cash flow in the past year.
  • UVSP had positive earnings in each of the past 5 years.
  • Each year in the past 5 years UVSP had a positive operating cash flow.
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

  • UVSP has a Return On Assets of 1.08%. This is in the better half of the industry: UVSP outperforms 63.52% of its industry peers.
  • With a Return On Equity value of 9.62%, UVSP perfoms like the industry average, outperforming 56.96% of the companies in the same industry.
Industry RankSector Rank
ROA 1.08%
ROE 9.62%
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

  • UVSP's Profit Margin of 27.67% is fine compared to the rest of the industry. UVSP outperforms 64.83% of its industry peers.
  • In the last couple of years the Profit Margin of UVSP has grown nicely.
  • UVSP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.67%
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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4

2. UVSP Health Analysis

2.1 Basic Checks

  • UVSP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • UVSP has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for UVSP has been reduced compared to 5 years ago.
  • UVSP has a better 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 1.27. This is a very positive value and a sign of high solvency as it would only need 1.27 years to pay back of all of its debts.
  • UVSP's Debt to FCF ratio of 1.27 is fine compared to the rest of the industry. UVSP outperforms 62.47% of its industry peers.
  • A Debt/Equity ratio of 0.13 indicates that UVSP is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.13, UVSP perfoms like the industry average, outperforming 59.06% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.27
Altman-Z N/A
ROIC/WACCN/A
WACC18.84%
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. UVSP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.24% over the past year.
  • UVSP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.73% yearly.
  • The Revenue has grown by 9.64% in the past year. This is quite good.
  • The Revenue has been growing slightly by 5.36% on average over the past years.
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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.12% yearly.
  • Based on estimates for the next years, UVSP will show a small growth in Revenue. The Revenue will grow by 5.22% on average per year.
EPS Next Y10.2%
EPS Next 2Y9.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.66%
Revenue Next 2Y5.22%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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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5

4. UVSP Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.53, which indicates a very decent valuation of UVSP.
  • Based on the Price/Earnings ratio, UVSP is valued a bit cheaper than the industry average as 67.98% of the companies are valued more expensively.
  • UVSP is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • UVSP is valuated reasonably with a Price/Forward Earnings ratio of 9.55.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UVSP indicates a somewhat cheap valuation: UVSP is cheaper than 61.94% of the companies listed in the same industry.
  • UVSP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.60, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.53
Fwd PE 9.55
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

  • UVSP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UVSP is cheaper than 69.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.58
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

  • UVSP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.03
PEG (5Y)0.77
EPS Next 2Y9.12%
EPS Next 3YN/A

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

6

5. UVSP Dividend Analysis

5.1 Amount

  • UVSP has a Yearly Dividend Yield of 2.51%. Purely for dividend investing, there may be better candidates out there.
  • UVSP's Dividend Yield is comparable with the industry average which is at 2.86.
  • Compared to an average S&P500 Dividend Yield of 1.82, UVSP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.51%

5.2 History

  • On average, the dividend of UVSP grows each year by 8.20%, which is quite nice.
  • UVSP has paid a dividend for at least 10 years, which is a reliable track record.
  • UVSP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.2%
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

  • 27.91% of the earnings are spent on dividend by UVSP. This is a low number and sustainable payout ratio.
  • UVSP's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP27.91%
EPS Next 2Y9.12%
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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UVSP Fundamentals: All Metrics, Ratios and Statistics

UNIVEST FINANCIAL CORP

NASDAQ:UVSP (3/6/2026, 8:00:02 PM)

After market: 33.06 0 (0%)

33.06

-0.6 (-1.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners80.2%
Inst Owner Change-0.69%
Ins Owners1.2%
Ins Owner Change1.56%
Market Cap928.32M
Revenue(TTM)328.06M
Net Income(TTM)90.76M
Analysts47.5
Price Target36.72 (11.07%)
Short Float %1.02%
Short Ratio1.78
Dividend
Industry RankSector Rank
Dividend Yield 2.51%
Yearly Dividend0.89
Dividend Growth(5Y)8.2%
DP27.91%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-11
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.92%
Min EPS beat(2)1.02%
Max EPS beat(2)14.81%
EPS beat(4)3
Avg EPS beat(4)7.89%
Min EPS beat(4)-1.6%
Max EPS beat(4)17.34%
EPS beat(8)7
Avg EPS beat(8)13.8%
EPS beat(12)10
Avg EPS beat(12)10.91%
EPS beat(16)13
Avg EPS beat(16)7.94%
Revenue beat(2)1
Avg Revenue beat(2)0.15%
Min Revenue beat(2)-0.17%
Max Revenue beat(2)0.46%
Revenue beat(4)1
Avg Revenue beat(4)0.04%
Min Revenue beat(4)-0.17%
Max Revenue beat(4)0.46%
Revenue beat(8)3
Avg Revenue beat(8)0.4%
Revenue beat(12)3
Avg Revenue beat(12)-1%
Revenue beat(16)5
Avg Revenue beat(16)-0.83%
PT rev (1m)5.88%
PT rev (3m)9.09%
EPS NQ rev (1m)3.77%
EPS NQ rev (3m)6.64%
EPS NY rev (1m)4.06%
EPS NY rev (3m)9.8%
Revenue NQ rev (1m)1.32%
Revenue NQ rev (3m)3.26%
Revenue NY rev (1m)1.21%
Revenue NY rev (3m)2.87%
Valuation
Industry RankSector Rank
PE 10.53
Fwd PE 9.55
P/S 2.83
P/FCF 9.58
P/OCF 9.14
P/B 0.98
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)3.14
EY9.5%
EPS(NY)3.46
Fwd EY10.47%
FCF(TTM)3.45
FCFY10.44%
OCF(TTM)3.62
OCFY10.93%
SpS11.68
BVpS33.59
TBVpS27.08
PEG (NY)1.03
PEG (5Y)0.77
Graham Number48.72
Profitability
Industry RankSector Rank
ROA 1.08%
ROE 9.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.67%
GM N/A
FCFM 29.55%
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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.27
Debt/EBITDA N/A
Cap/Depr 83.29%
Cap/Sales 1.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.8%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC18.84%
ROIC/WACCN/A
Cap/Depr(3y)90.99%
Cap/Depr(5y)102.81%
Cap/Sales(3y)1.57%
Cap/Sales(5y)1.73%
Profit Quality(3y)106.13%
Profit Quality(5y)111.39%
High Growth Momentum
Growth
EPS 1Y (TTM)21.24%
EPS 3Y5.69%
EPS 5Y13.73%
EPS Q2Q%21.54%
EPS Next Y10.2%
EPS Next 2Y9.12%
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 Year5.66%
Revenue Next 2Y5.22%
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 1Y34.62%
FCF growth 3Y-2.41%
FCF growth 5Y15.38%
OCF growth 1Y35.16%
OCF growth 3Y-2.49%
OCF growth 5Y14.67%

UNIVEST FINANCIAL CORP / UVSP FAQ

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

ChartMill assigns a fundamental rating of 5 / 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 10.53 and the Price/Book (PB) ratio is 0.98.


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 27.91%.