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UNIVEST FINANCIAL CORP (UVSP) Stock Fundamental Analysis

USA - NASDAQ:UVSP - US9152711001 - Common Stock

28.57 USD
+0.27 (+0.95%)
Last: 10/17/2025, 8:00:01 PM
28.57 USD
0 (0%)
After Hours: 10/17/2025, 8:00:01 PM
Fundamental Rating

4

Overall UVSP gets a fundamental rating of 4 out of 10. We evaluated UVSP against 391 industry peers in the Banks industry. Both the profitability and financial health of UVSP have multiple concerns. UVSP has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

UVSP had positive earnings in the past year.
UVSP had a positive operating cash flow in the past year.
In the past 5 years UVSP has always been profitable.
UVSP had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 64.45% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.71%, UVSP is in line with its industry, outperforming 52.69% of the companies in the same industry.
Industry RankSector Rank
ROA 1.01%
ROE 8.71%
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

UVSP's Profit Margin of 25.74% is fine compared to the rest of the industry. UVSP outperforms 62.92% of its industry peers.
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) 25.74%
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.
Compared to 1 year ago, UVSP has less shares outstanding
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 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

The Debt to FCF ratio of UVSP is 1.54, which is an excellent value as it means it would take UVSP, only 1.54 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UVSP (1.54) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.17 indicates that UVSP is not too dependend on debt financing.
The Debt to Equity ratio of UVSP (0.17) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.54
Altman-Z N/A
ROIC/WACCN/A
WACC18.13%
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.
Measured over the past years, UVSP shows a small growth in Revenue. The Revenue has been growing by 4.99% on average per year.
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

UVSP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.97% yearly.
UVSP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.10% yearly.
EPS Next Y15.59%
EPS Next 2Y8.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.58%
Revenue Next 2Y7.1%
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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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.43 indicates a reasonable valuation of UVSP.
Compared to the rest of the industry, the Price/Earnings ratio of UVSP indicates a somewhat cheap valuation: UVSP is cheaper than 65.47% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of UVSP to the average of the S&P500 Index (27.40), we can say UVSP is valued rather cheaply.
UVSP is valuated reasonably with a Price/Forward Earnings ratio of 9.29.
The rest of the industry has a similar Price/Forward Earnings ratio as UVSP.
The average S&P500 Price/Forward Earnings ratio is at 22.94. UVSP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.43
Fwd PE 9.29
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 the industry average as 78.52% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.13
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)0.67
PEG (5Y)3.43
EPS Next 2Y8.97%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

UVSP has a Yearly Dividend Yield of 3.11%.
UVSP's Dividend Yield is comparable with the industry average which is at 3.56.
Compared to an average S&P500 Dividend Yield of 2.38, UVSP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.11%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

31.25% of the earnings are spent on dividend by UVSP. This is a low number and sustainable payout ratio.
UVSP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP31.25%
EPS Next 2Y8.97%
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 (10/17/2025, 8:00:01 PM)

After market: 28.57 0 (0%)

28.57

+0.27 (+0.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners80.12%
Inst Owner Change0.09%
Ins Owners1.1%
Ins Owner Change-0.61%
Market Cap823.10M
Analysts45.71
Price Target32.64 (14.25%)
Short Float %0.84%
Short Ratio2.31
Dividend
Industry RankSector Rank
Dividend Yield 3.11%
Yearly Dividend0.85
Dividend Growth(5Y)1.22%
DP31.25%
Div Incr Years0
Div Non Decr Years4
Ex-Date08-06 2025-08-06 (0.22)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.87%
Min EPS beat(2)-1.6%
Max EPS beat(2)17.34%
EPS beat(4)3
Avg EPS beat(4)10.64%
Min EPS beat(4)-1.6%
Max EPS beat(4)17.34%
EPS beat(8)7
Avg EPS beat(8)14.46%
EPS beat(12)10
Avg EPS beat(12)10.64%
EPS beat(16)12
Avg EPS beat(16)7.54%
Revenue beat(2)0
Avg Revenue beat(2)-0.07%
Min Revenue beat(2)-0.07%
Max Revenue beat(2)-0.06%
Revenue beat(4)1
Avg Revenue beat(4)0.16%
Min Revenue beat(4)-1.75%
Max Revenue beat(4)2.51%
Revenue beat(8)2
Avg Revenue beat(8)-0.32%
Revenue beat(12)4
Avg Revenue beat(12)-0.74%
Revenue beat(16)5
Avg Revenue beat(16)-0.61%
PT rev (1m)0%
PT rev (3m)1.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.97%
EPS NY rev (1m)0%
EPS NY rev (3m)3.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.06%
Valuation
Industry RankSector Rank
PE 10.43
Fwd PE 9.29
P/S 2.65
P/FCF 8.13
P/OCF 7.78
P/B 0.9
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)2.74
EY9.59%
EPS(NY)3.08
Fwd EY10.76%
FCF(TTM)3.51
FCFY12.3%
OCF(TTM)3.67
OCFY12.85%
SpS10.77
BVpS31.82
TBVpS25.45
PEG (NY)0.67
PEG (5Y)3.43
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 8.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.74%
GM N/A
FCFM 32.62%
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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.54
Debt/EBITDA N/A
Cap/Depr 82.85%
Cap/Sales 1.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.75%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC18.13%
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 Y15.59%
EPS Next 2Y8.97%
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 Year9.58%
Revenue Next 2Y7.1%
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 1Y22.74%
FCF growth 3Y-9.27%
FCF growth 5Y0.37%
OCF growth 1Y17.69%
OCF growth 3Y-9.79%
OCF growth 5Y0.54%