UNIVEST FINANCIAL CORP (UVSP) Fundamental Analysis & Valuation

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

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

Q: Is the dividend of UNIVEST FINANCIAL CORP sustainable?

The dividend rating of UNIVEST FINANCIAL CORP (UVSP) is 6 / 10 and the dividend payout ratio is 27.91%.

NASDAQ:UVSP • US9152711001

37.73 USD

+0.16 (+0.43%)

At close: Apr 27, 2026

37.73 USD

0 (0%)

After Hours: 4/27/2026, 8:22:10 PM

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

1. UVSP Profitability Analysis

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.
Each year in the past 5 years UVSP had a positive operating cash flow.

1.2 Ratios

The Return On Assets of UVSP (1.08%) is comparable to the rest of the industry.
With a Return On Equity value of 9.62%, UVSP perfoms like the industry average, outperforming 54.52% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of UVSP (27.67%) is better than 61.97% of its industry peers.
In the last couple of years the Profit Margin of UVSP has grown nicely.
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)	27.67%
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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

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.
The number of shares outstanding for UVSP has been reduced compared to 1 year ago.
UVSP has less shares outstanding than it did 5 years ago.
The debt/assets ratio for UVSP has been reduced compared to a year ago.

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 has a Debt to FCF ratio of 1.27. This is comparable to the rest of the industry: UVSP outperforms 59.84% of its industry peers.
UVSP has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
UVSP has a Debt to Equity ratio (0.13) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	1.27
Altman-Z	N/A

ROIC/WACCN/A

WACC18.03%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. UVSP Growth Analysis

3.1 Past

UVSP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.47%, which is quite impressive.
UVSP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.73% yearly.
Looking at the last year, UVSP shows a quite strong growth in Revenue. The Revenue has grown by 11.60% 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)25.47%

EPS 3Y5.69%

EPS 5Y13.73%

EPS Q2Q%27.27%

Revenue 1Y (TTM)11.6%

Revenue growth 3Y3.46%

Revenue growth 5Y5.36%

Sales Q2Q%10.43%

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.
UVSP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.22% yearly.

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.

More info and screens

Find the best growth stocks Show best growing peers

4. UVSP Valuation Analysis

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.26, the valuation of UVSP can be described as reasonable.
64.10% of the companies in the same industry are more expensive than UVSP, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.15. UVSP is valued rather cheaply when compared to this.
UVSP is valuated reasonably with a Price/Forward Earnings ratio of 10.09.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UVSP is on the same level as its industry peers.
UVSP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.12, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.26
Fwd PE	10.09

4.2 Price Multiples

65.43% of the companies in the same industry are more expensive than UVSP, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	10.93
EV/EBITDA	N/A

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)1.1

PEG (5Y)0.82

EPS Next 2Y9.12%

EPS Next 3YN/A

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. UVSP Dividend Analysis

5.1 Amount

UVSP has a Yearly Dividend Yield of 2.44%. Purely for dividend investing, there may be better candidates out there.
UVSP's Dividend Yield is comparable with the industry average which is at 2.53.
Compared to an average S&P500 Dividend Yield of 1.82, UVSP pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.44%

5.2 History

The dividend of UVSP is nicely growing with an annual growth rate of 8.20%!
UVSP has paid a dividend for at least 10 years, which is a reliable track record.
As UVSP did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)8.2%

Div Incr Years1

Div Non Decr Years5

5.3 Sustainability

UVSP pays out 27.91% of its income as dividend. This is a 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

More info and screens

Find the best dividend stocks Show peers with best dividend

UVSP Fundamentals: All Metrics, Ratios and Statistics

UNIVEST FINANCIAL CORP

NASDAQ:UVSP (4/27/2026, 8:22:10 PM)

After market: 37.73 0 (0%)

37.73

+0.16 (+0.43%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-22 2026-04-22/amc

Earnings (Next)07-21 2026-07-21

Inst Owners80.22%

Inst Owner Change1.55%

Ins Owners1.27%

Ins Owner Change3.44%

Market Cap1.06B

Revenue(TTM)336.31M

Net Income(TTM)90.76M

Analysts47.5

Price Target38.08 (0.93%)

Short Float %1.51%

Short Ratio2.16

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.44%

Yearly Dividend0.89

Dividend Growth(5Y)8.2%

DP27.91%

Div Incr Years1

Div Non Decr Years5

Ex-Date02-11 2026-02-11 (0.22)

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)0%

PT rev (3m)8%

EPS NQ rev (1m)0%

EPS NQ rev (3m)6.64%

EPS NY rev (1m)0%

EPS NY rev (3m)7.31%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.38%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.96%

Valuation

		Industry Rank	Sector Rank
PE	11.26
Fwd PE	10.09
P/S	3.23
P/FCF	10.93
P/OCF	10.44
P/B	1.12
P/tB	1.39
EV/EBITDA	N/A

EPS(TTM)3.35

EY8.88%

EPS(NY)3.74

Fwd EY9.91%

FCF(TTM)3.45

FCFY9.15%

OCF(TTM)3.62

OCFY9.58%

SpS11.68

BVpS33.59

TBVpS27.08

PEG (NY)1.1

PEG (5Y)0.82

Graham Number50.3204 (33.37%)

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC18.03%

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)25.47%

EPS 3Y5.69%

EPS 5Y13.73%

EPS Q2Q%27.27%

EPS Next Y10.2%

EPS Next 2Y9.12%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)11.6%

Revenue growth 3Y3.46%

Revenue growth 5Y5.36%

Sales Q2Q%10.43%

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 Fundamental Analysis 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.

What is the profitability of UVSP stock?

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

Can you provide the expected EPS growth for UVSP stock?

The Earnings per Share (EPS) of UNIVEST FINANCIAL CORP (UVSP) is expected to grow by 10.2% in the next year.

Is the dividend of UNIVEST FINANCIAL CORP sustainable?

The dividend rating of UNIVEST FINANCIAL CORP (UVSP) is 6 / 10 and the dividend payout ratio is 27.91%.