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UNIVEST FINANCIAL CORP (UVSP) Stock Fundamental Analysis

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

29.05  +0.23 (+0.8%)

After market: 29.05 0 (0%)

Fundamental Rating

4

Overall UVSP gets a fundamental rating of 4 out of 10. We evaluated UVSP against 395 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.
Each year in the past 5 years UVSP has 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

Looking at the Return On Assets, with a value of 0.98%, UVSP is in the better half of the industry, outperforming 63.29% of the companies in the same industry.
The Return On Equity of UVSP (8.64%) is comparable to the rest of the industry.
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 64.56% of the companies in the same industry.
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 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.
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.
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.
UVSP has a Debt to FCF ratio (2.04) which is in line with its industry peers.
A Debt/Equity ratio of 0.17 indicates that UVSP is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.17, UVSP is in line with its industry, outperforming 49.87% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.04
Altman-Z N/A
ROIC/WACCN/A
WACC18.76%
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

The Earnings Per Share has grown by an nice 8.98% over the past year.
The Earnings Per Share has been growing slightly by 3.04% on average over the past years.
Looking at the last year, UVSP shows a small growth in Revenue. The Revenue has grown by 2.20% in the last year.
The Revenue has been growing slightly by 4.99% on average over the past years.
EPS 1Y (TTM)8.98%
EPS 3Y-5.61%
EPS 5Y3.04%
EPS Q2Q%11.59%
Revenue 1Y (TTM)2.2%
Revenue growth 3Y3.28%
Revenue growth 5Y4.99%
Sales Q2Q%2.77%

3.2 Future

UVSP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.03% yearly.
The Revenue is expected to grow by 6.35% on average over the next years.
EPS Next Y9.65%
EPS Next 2Y7.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.43%
Revenue Next 2Y6.35%
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

Based on the Price/Earnings ratio of 10.88, the valuation of UVSP can be described as reasonable.
Based on the Price/Earnings ratio, UVSP is valued a bit cheaper than the industry average as 60.76% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.35. UVSP is valued rather cheaply when compared to this.
UVSP is valuated reasonably with a Price/Forward Earnings ratio of 9.79.
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 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.88
Fwd PE 9.79
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

The rest of the industry has a similar Price/Free Cash Flow ratio as UVSP.
Industry RankSector Rank
P/FCF 11.17
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)1.13
PEG (5Y)3.58
EPS Next 2Y7.03%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

UVSP has a Yearly Dividend Yield of 2.95%.
Compared to an average industry Dividend Yield of 3.46, UVSP has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, UVSP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.95%

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

32.09% 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.
DP32.09%
EPS Next 2Y7.03%
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 (6/20/2025, 8:02:54 PM)

After market: 29.05 0 (0%)

29.05

+0.23 (+0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners80.64%
Inst Owner Change1.4%
Ins Owners1.13%
Ins Owner Change3.26%
Market Cap838.96M
Analysts47.5
Price Target32.3 (11.19%)
Short Float %1.22%
Short Ratio2.91
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend0.85
Dividend Growth(5Y)1.22%
DP32.09%
Div Incr Years0
Div Non Decr Years4
Ex-Date05-07 2025-05-07 (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)1.06%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.07%
EPS NY rev (1m)0%
EPS NY rev (3m)10.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.42%
Valuation
Industry RankSector Rank
PE 10.88
Fwd PE 9.79
P/S 2.78
P/FCF 11.17
P/OCF 10.6
P/B 0.93
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)2.67
EY9.19%
EPS(NY)2.97
Fwd EY10.21%
FCF(TTM)2.6
FCFY8.95%
OCF(TTM)2.74
OCFY9.43%
SpS10.43
BVpS31.28
TBVpS24.93
PEG (NY)1.13
PEG (5Y)3.58
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
WACC18.76%
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)8.98%
EPS 3Y-5.61%
EPS 5Y3.04%
EPS Q2Q%11.59%
EPS Next Y9.65%
EPS Next 2Y7.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.2%
Revenue growth 3Y3.28%
Revenue growth 5Y4.99%
Sales Q2Q%2.77%
Revenue Next Year8.43%
Revenue Next 2Y6.35%
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%