34.74 USD
+1.85 (+5.62%)
34.74 USD
0 (0%)
UVSP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of UVSP have multiple concerns. UVSP is not valued too expensively and it also shows a decent growth rate.
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.
- 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.
1.2 Ratios
- UVSP has a Return On Assets of 1.01%. This is in the better half of the industry: UVSP outperforms 62.14% of its industry peers.
- UVSP has a Return On Equity (9.32%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 9.32% | ||
| 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
1.3 Margins
- UVSP has a better Profit Margin (27.15%) than 66.06% of its industry peers.
- In the last couple of years the Profit Margin of UVSP has declined.
- The Operating Margin and Gross Margin are not available for UVSP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.15% | ||
| 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
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
- Compared to 5 years ago, UVSP has less shares outstanding
- Compared to 1 year ago, UVSP has an improved debt to assets ratio.
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 has a Debt to FCF ratio (1.50) which is comparable to the rest of the industry.
- UVSP has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
- UVSP has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- UVSP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.00%, which is quite good.
- The Earnings Per Share has been growing slightly by 3.04% on average over the past years.
- The Revenue has grown by 9.01% in the past year. This is quite good.
- 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)20%
EPS 3Y-5.61%
EPS 5Y3.04%
EPS Q2Q%41.27%
Revenue 1Y (TTM)9.01%
Revenue growth 3Y3.28%
Revenue growth 5Y4.99%
Sales Q2Q%13.49%
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 10.96% yearly.
- UVSP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.58% yearly.
EPS Next Y22.87%
EPS Next 2Y11.58%
EPS Next 3Y10.96%
EPS Next 5YN/A
Revenue Next Year10.45%
Revenue Next 2Y6.99%
Revenue Next 3Y6.58%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.58 indicates a reasonable valuation of UVSP.
- Based on the Price/Earnings ratio, UVSP is valued a bit cheaper than the industry average as 67.10% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.32. UVSP is valued rather cheaply when compared to this.
- UVSP is valuated reasonably with a Price/Forward Earnings ratio of 10.77.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of UVSP is on the same level as its industry peers.
- The average S&P500 Price/Forward Earnings ratio is at 24.30. UVSP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.58 | ||
| Fwd PE | 10.77 |
4.2 Price Multiples
- UVSP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UVSP is cheaper than 65.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.49 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.51
PEG (5Y)3.81
EPS Next 2Y11.58%
EPS Next 3Y10.96%
5. Dividend
5.1 Amount
- UVSP has a Yearly Dividend Yield of 2.62%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.91, UVSP has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.86, UVSP pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.62% |
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
5.3 Sustainability
- 28.95% 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.
DP28.95%
EPS Next 2Y11.58%
EPS Next 3Y10.96%
34.74
+1.85 (+5.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-28 2026-01-28/amc
Inst Owners80.1%
Inst Owner Change-0.15%
Ins Owners1.12%
Ins Owner Change-0.62%
Market Cap989.40M
Revenue(TTM)320.29M
Net Income(TTM)86.95M
Analysts47.5
Price Target34 (-2.13%)
Short Float %0.9%
Short Ratio1.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.62% |
Yearly Dividend0.85
Dividend Growth(5Y)1.22%
DP28.95%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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)1.01%
PT rev (3m)4.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.23%
EPS NY rev (1m)0%
EPS NY rev (3m)6.3%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)1.15%
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.58 | ||
| Fwd PE | 10.77 | ||
| P/S | 3.09 | ||
| P/FCF | 10.49 | ||
| P/OCF | 10.01 | ||
| P/B | 1.06 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)3
EY8.64%
EPS(NY)3.22
Fwd EY9.28%
FCF(TTM)3.31
FCFY9.53%
OCF(TTM)3.47
OCFY9.99%
SpS11.25
BVpS32.77
TBVpS26.34
PEG (NY)0.51
PEG (5Y)3.81
Graham Number47.03
Profitability
| Industry Rank | Sector 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)0.98%
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
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 3Y-9.11%
PM growth 5Y-4.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector 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-Score9
WACC17.07%
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)20%
EPS 3Y-5.61%
EPS 5Y3.04%
EPS Q2Q%41.27%
EPS Next Y22.87%
EPS Next 2Y11.58%
EPS Next 3Y10.96%
EPS Next 5YN/A
Revenue 1Y (TTM)9.01%
Revenue growth 3Y3.28%
Revenue growth 5Y4.99%
Sales Q2Q%13.49%
Revenue Next Year10.45%
Revenue Next 2Y6.99%
Revenue Next 3Y6.58%
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 1Y16.17%
FCF growth 3Y-9.27%
FCF growth 5Y0.37%
OCF growth 1Y12.5%
OCF growth 3Y-9.79%
OCF growth 5Y0.54%
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 6 / 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 3 / 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 11.58 and the Price/Book (PB) ratio is 1.06.
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%.