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UNIVEST FINANCIAL CORP (UVSP) Stock Fundamental Analysis

NASDAQ:UVSP - Nasdaq - US9152711001 - Common Stock - Currency: USD

28.12  -0.72 (-2.5%)

After market: 28.12 0 (0%)

Fundamental Rating

4

Overall UVSP gets a fundamental rating of 4 out of 10. We evaluated UVSP against 393 industry peers in the Banks industry. UVSP may be in some trouble as it scores bad on both profitability and health. UVSP has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year UVSP was profitable.
UVSP had a positive operating cash flow in the past year.
Each year in the past 5 years UVSP has been profitable.
In the past 5 years UVSP always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

UVSP has a better Return On Assets (0.98%) than 63.61% of its industry peers.
UVSP has a Return On Equity of 8.64%. This is comparable to the rest of the industry: UVSP outperforms 53.18% of its industry peers.
Industry RankSector Rank
ROA 0.98%
ROE 8.64%
ROIC N/A
ROA(3y)0.98%
ROA(5y)0.99%
ROE(3y)9.03%
ROE(5y)9.14%
ROIC(3y)N/A
ROIC(5y)N/A
UVSP Yearly ROA, ROE, ROICUVSP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 25.89%, UVSP is in the better half of the industry, outperforming 64.63% of the companies in the same industry.
UVSP's Profit Margin has declined 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) 25.89%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.11%
PM growth 5Y-4.26%
GM growth 3YN/A
GM growth 5YN/A
UVSP Yearly Profit, Operating, Gross MarginsUVSP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

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.
UVSP has less shares outstanding than it did 5 years ago.
UVSP has a better debt/assets ratio than last year.
UVSP Yearly Shares OutstandingUVSP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
UVSP Yearly Total Debt VS Total AssetsUVSP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

UVSP has a debt to FCF ratio of 2.04. This is a good value and a sign of high solvency as UVSP would need 2.04 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.04, UVSP is in line with its industry, outperforming 48.35% of the companies in the same industry.
A Debt/Equity ratio of 0.17 indicates that UVSP is not too dependend on debt financing.
UVSP has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.04
Altman-Z N/A
ROIC/WACCN/A
WACC18.2%
UVSP Yearly LT Debt VS Equity VS FCFUVSP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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5

3. Growth

3.1 Past

UVSP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.84%, which is quite good.
UVSP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.04% yearly.
Looking at the last year, UVSP shows a small growth in Revenue. The Revenue has grown by 6.03% in the last year.
UVSP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.99% yearly.
EPS 1Y (TTM)11.84%
EPS 3Y-5.61%
EPS 5Y3.04%
EPS Q2Q%11.29%
Revenue 1Y (TTM)6.03%
Revenue growth 3Y3.28%
Revenue growth 5Y4.99%
Sales Q2Q%12.55%

3.2 Future

Based on estimates for the next years, UVSP will show a small growth in Earnings Per Share. The EPS will grow by 6.84% on average per year.
Based on estimates for the next years, UVSP will show a small growth in Revenue. The Revenue will grow by 6.57% on average per year.
EPS Next Y11.45%
EPS Next 2Y6.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.94%
Revenue Next 2Y6.57%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
UVSP Yearly Revenue VS EstimatesUVSP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
UVSP Yearly EPS VS EstimatesUVSP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.26, the valuation of UVSP can be described as very reasonable.
Based on the Price/Earnings ratio, UVSP is valued a bit cheaper than the industry average as 69.21% of the companies are valued more expensively.
UVSP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.82.
Based on the Price/Forward Earnings ratio of 9.51, the valuation of UVSP can be described as reasonable.
UVSP's Price/Forward Earnings is on the same level as the industry average.
UVSP is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.26
Fwd PE 9.51
UVSP Price Earnings VS Forward Price EarningsUVSP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of UVSP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 10.78
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.9
PEG (5Y)3.38
EPS Next 2Y6.84%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

UVSP has a Yearly Dividend Yield of 3.05%.
Compared to an average industry Dividend Yield of 3.48, UVSP has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, UVSP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.05%

5.2 History

The dividend of UVSP has a limited annual growth rate of 1.22%.
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)1.22%
Div Incr Years0
Div Non Decr Years4
UVSP Yearly Dividends per shareUVSP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

UVSP pays out 32.09% 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.
DP32.09%
EPS Next 2Y6.84%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (8/1/2025, 8:08:45 PM)

After market: 28.12 0 (0%)

28.12

-0.72 (-2.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners80.64%
Inst Owner Change-1.56%
Ins Owners1.13%
Ins Owner Change3.26%
Market Cap810.14M
Analysts47.5
Price Target32.64 (16.07%)
Short Float %1.31%
Short Ratio3.34
Dividend
Industry RankSector Rank
Dividend Yield 3.05%
Yearly Dividend0.85
Dividend Growth(5Y)1.22%
DP32.09%
Div Incr Years0
Div Non Decr Years4
Ex-Date08-06 2025-08-06 (0.22)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.9%
Min EPS beat(2)12.46%
Max EPS beat(2)17.34%
EPS beat(4)4
Avg EPS beat(4)16.04%
Min EPS beat(4)12.46%
Max EPS beat(4)19.97%
EPS beat(8)8
Avg EPS beat(8)15.57%
EPS beat(12)10
Avg EPS beat(12)8.5%
EPS beat(16)13
Avg EPS beat(16)7.67%
Revenue beat(2)1
Avg Revenue beat(2)1.22%
Min Revenue beat(2)-0.07%
Max Revenue beat(2)2.51%
Revenue beat(4)1
Avg Revenue beat(4)-0.42%
Min Revenue beat(4)-2.36%
Max Revenue beat(4)2.51%
Revenue beat(8)2
Avg Revenue beat(8)-0.83%
Revenue beat(12)4
Avg Revenue beat(12)-0.9%
Revenue beat(16)5
Avg Revenue beat(16)-0.63%
PT rev (1m)1.05%
PT rev (3m)2.13%
EPS NQ rev (1m)2.36%
EPS NQ rev (3m)13.64%
EPS NY rev (1m)1.19%
EPS NY rev (3m)12.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.34%
Valuation
Industry RankSector Rank
PE 10.26
Fwd PE 9.51
P/S 2.69
P/FCF 10.78
P/OCF 10.24
P/B 0.9
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)2.74
EY9.74%
EPS(NY)2.96
Fwd EY10.51%
FCF(TTM)2.61
FCFY9.27%
OCF(TTM)2.75
OCFY9.77%
SpS10.46
BVpS31.36
TBVpS24.99
PEG (NY)0.9
PEG (5Y)3.38
Profitability
Industry RankSector Rank
ROA 0.98%
ROE 8.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.89%
GM N/A
FCFM 24.93%
ROA(3y)0.98%
ROA(5y)0.99%
ROE(3y)9.03%
ROE(5y)9.14%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.11%
PM growth 5Y-4.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.04
Debt/EBITDA N/A
Cap/Depr 73.17%
Cap/Sales 1.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.29%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC18.2%
ROIC/WACCN/A
Cap/Depr(3y)101.75%
Cap/Depr(5y)101.99%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.75%
Profit Quality(3y)115.04%
Profit Quality(5y)110.28%
High Growth Momentum
Growth
EPS 1Y (TTM)11.84%
EPS 3Y-5.61%
EPS 5Y3.04%
EPS Q2Q%11.29%
EPS Next Y11.45%
EPS Next 2Y6.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.03%
Revenue growth 3Y3.28%
Revenue growth 5Y4.99%
Sales Q2Q%12.55%
Revenue Next Year8.94%
Revenue Next 2Y6.57%
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 1Y-24.27%
FCF growth 3Y-9.27%
FCF growth 5Y0.37%
OCF growth 1Y-25.55%
OCF growth 3Y-9.79%
OCF growth 5Y0.54%