Univest Corporation of Pennsylvania UVSP

42.16 0.37 0.89% as of 25 Sep
Market cap
$1.2B
P/E
12.1×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.04
Total sells 2.89
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — 1 — — — — — — —
Sell — — 4 — — — 1 1 3 — 2 —
Insider Ownership 2.17%

Capital & Financial Ratios

Market Cap 1,150.00
Revenue 521.98
Net Income 98.43
Free Cash Flow 105.97
Net Debt (96.33)
Current Ratio 1.02
Debt/Equity 0.10
P/E ratio 12.08
P/S ratio 2.24
P/B ratio 1.23
Past 5Y EPS Growth 2.91%
This Y EPS Growth 21.62%
Next Y EPS Growth 3.24%
Next 5Y EPS Growth 7.88%
in millions of $

Dividends

Payout Ratio 0.30
Annual Dividend Rate 0.84
Annual Dividend Yield 4.38%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.91
0.22
0.23
0.23
2025 0.87
0.21
0.22
0.22
0.22
2024 0.84
0.21
0.21
0.21
0.21
2023 0.84
0.21
0.21
0.21
0.21
2022 0.83
0.20
0.21
0.21
0.21
2021 0.80
0.20
0.20
0.20
0.20
2020 0.60
0.20
0.20
0.20
2019 0.80
0.20
0.20
0.20
0.20
2018 0.80
0.20
0.20
0.20
0.20
2017 0.80
0.20
0.20
0.20
0.20
2016 0.80
0.20
0.20
0.20
0.20
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 250 329 554 195
Receivables — — — —
Inventory — — — —
Other — — — —
6,838 7,197 7,509 7,279
2023 2024 2025 Q'26
Payables 6,376 6,759 7,087 6,933
ST’ Debt — — — —
Other — — — —
6,448 6,835 7,166 7,123
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 12.87% 12.93% 16.23%
Cash Flow 9.94% 14.68% (2.48%)
Earnings 12.86% 14.14% 5.12%
Book Value 10.06% 6.38% 6.70%

Revenue

Mar Jun Sep Dec Year
’26 130 126 — — —
’25 126 127 132 134 518
’24 124 121 127 129 500
’23 103 110 116 120 449
’22 72 76 85 98 330
’21 75 73 74 71 293
’20 70 68 72 71 282
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 22 24 — — —
’25 16 23 32 31 102
’24 12 (3) 39 28 75
’23 21 19 22 28 90
’22 24 36 24 26 109
’21 30 19 17 37 102
’20 11 15 21 5 51
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 22 23 — — —
’25 14 22 31 30 97
’24 11 (4) 38 27 72
’23 18 18 21 26 83
’22 23 34 22 24 104
’21 29 24 17 34 104
’20 11 13 20 5 49
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.96 0.82 — — —
’25 0.77 0.69 0.89 0.79 3.13
’24 0.69 0.62 0.63 0.65 2.58
’23 0.71 0.57 0.58 0.55 2.41
’22 0.68 0.45 0.71 0.81 2.64
’21 1.11 0.71 0.71 0.59 3.11
’20 0.03 0.07 0.62 0.88 1.60
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
18.43 25.65 20.18 21.27 13.20 20.16 23.48 16.10 18.41 22.83

Analyst estimates 2026–2028

Powerpack
Low Price
31.50 32.35 30.15 27.80 26.98 30.95 31.93 29.05 32.75 35.65
High Price
840 855 841 873 896 920 973 979 949 960
Employees
0 0 0 0 0 0 0 0 1 1
Revenue/Emp
183 222 251 280 282 293 330 449 500 518
Revenue
93.22% 91.07% 87.06% 83.95% 89.52% 92.71% 89.73% 66.17% 59.80% 63.29%
Gross Margin
23 62 61 80 57 114 97 89 95 113
EBT
12.81% 27.81% 24.21% 28.64% 20.16% 39.03% 29.45% 19.77% 19.04% 21.87%
EBT Margin
20 44 51 66 47 92 78 71 76 91
Net Income
5 7 7 7 8 6 5 6 9 7
Depreciation
7.98 8.35 8.59 9.57 9.67 9.97 11.23 15.24 17.13 18.04
Revenue/Sh
0.85 1.64 1.72 2.24 1.60 3.12 2.66 2.42 2.60 3.16
Earnings/Sh
1.46 2.58 2.95 2.51 1.75 3.48 3.72 3.05 2.57 3.53
Cash Flow/Sh
(0.51) 0.00 (0.13) (0.11) (0.08) 0.05 (0.18) (0.22) (0.10) (0.15)
Capex/Sh
0.94 2.58 2.82 2.40 1.67 3.53 3.55 2.83 2.47 3.38
Free CF/Sh
22.09 22.68 21.39 23.13 23.72 26.32 26.42 28.51 30.37 32.83
Book Value/Sh
23 27 29 29 29 29 29 29 29 29
Shares
34.19 17.10 12.47 11.96 12.86 9.59 9.75 9.09 11.35 10.39
PE Ratio
3.86 3.36 2.51 2.80 2.13 3.00 2.32 1.44 1.72 1.82
PS Ratio
1.40 1.24 1.01 1.16 0.87 1.14 0.99 0.77 0.97 1.00
PB Ratio
4.06 4.14 3.03 3.23 2.39 0.63 2.59 1.91 1.81 0.94
EV/Sales
34.43 13.41 9.24 12.88 13.85 1.77 8.21 10.28 12.59 5.00
EV/FCF
33 69 86 73 51 102 109 90 75 102
Op' Cash Flow
(12) 0 (4) (3) (2) 1 (5) (6) (3) (4)
Capex
22 69 82 70 49 104 104 83 72 97
FCF
(247) 16 7 99 233 83 123 391 362 342
Working Cap'
94 250 240 245 294 194 243 459 374 299
Total Debt
36 175 130 120 74 (696) 90 209 45 (255)
Net Debt
505 603 624 675 692 774 777 839 887 943
Sh' Equity
0.54% 0.99% 1.05% 1.26% 0.80% 1.36% 1.09% 0.95% 0.95% 1.10%
ROA
4.08% 4.96% 5.07% 6.29% 4.76% 92.18% 7.02% 5.38% 6.39% 10.29%
ROIC
4.46% 7.88% 8.18% 10.08% 6.85% 12.52% 10.08% 8.80% 8.80% 9.92%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Univest Corporation of Pennsylvania peers in Banks Regional

All 325 Banks Regional stocks →

Univest Corporation of Pennsylvania (UVSP) key facts

  • Univest Corporation of Pennsylvania (UVSP) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Univest Corporation of Pennsylvania’s revenue for fiscal 2025 (year ended December 2025) was $518.3 million, up 3.58% from fiscal 2024.
  • Net income was $90.8 million, or $3.16 per share (basic), a net margin of 17.5%.
  • As of September 25, 2026, UVSP traded at $42.16, a market capitalization of $1.2 billion.
  • At that price the stock trades at 12.1× trailing-twelve-month earnings and 2.2× sales.
  • Univest Corporation of Pennsylvania pays an annual dividend of $0.84 per share, a yield of 4.38%, with a payout ratio of 30.1%.
  • Return on equity was 9.92% and debt-to-equity 0.10.

Source: company filings (standardised) and stockrow calculations.

Univest Corporation of Pennsylvania (UVSP) Latest News

News by impact score

Fine-tune

23 Sep

3

Univest Financial (UVSP) trades around $41.84 with recent price volatility; year-to-date and 1-year momentum remain solid, though near-term moves have cooled. Valuation signals suggest modest undervaluation: a fair value of roughly $45.33 versus the current price and a consensus target near that level. Management expects net interest income to grow about 8%–10% in 2026, with revenue rising about 7.2% and net income around 4.0%, supported by improving margins (net profit margin ~29.8%) and a 10.3% ROE. The bank also aims to return capital via buybacks and steady expense control, while deposit competition and early loan payoffs could pressure loan balances and NII. Risks include prepayments and competitive funding; the narrative remains cautiously constructive about upside versus the market. Valuation gap to fair value and projected modest loan growth with prudent capital management imply only a moderate upside with balanced risks.

24 Jul

3

Univest Financial Corp (UVSP) reported strong loan and deposit growth in its Q2 2026 earnings call. Strong loan and deposit growth in Q2 2026 earnings signals positive performance likely to support near-term stock sentiment.

23 Jul

3 transcript

Univest Corporation of Pennsylvania Q2 earnings call covered financial results, revenue, net income, loan growth, deposit trends and management outlook on operations and credit quality. Q2 earnings updates and guidance moderately influence near-term stock performance and investor sentiment.

3 transcript

Univest Financial Corporation conducted its Q2 2026 earnings call, covering financial results, operational updates and outlook for the period. Q2 2026 earnings details can shift near-term investor views on performance and valuation.

22 Jul

3

Univest Financial Corporation reported its second quarter results. Quarterly earnings provide key financial metrics that affect near-term stock performance and sentiment.

26 Apr

3

Univest Financial Corporation beat EPS estimates by 16%. Analysts expect continued positive momentum with raised price targets and buy ratings. EPS beat of 16% boosts near-term financial performance and investor sentiment without fundamentally altering long-term trajectory.

23 Apr

4 transcript

Univest Corporation of Pennsylvania (UVSP) released its Q1 2026 earnings call transcript, detailing quarterly financial results, management commentary, and forward-looking guidance. Q1 2026 earnings transcript discloses financial metrics, operational updates, and strategic outlook with significant potential to alter UVSP's trajectory and investor sentiment.

4

Univest Financial Corporation released Q1 2026 earnings call summary highlighting financial performance, loan growth, deposit trends, and strategic outlook. Q1 earnings call summary discloses key financial metrics and guidance directly affecting UVSP's valuation and investor sentiment.

3

Univest Corporation of Pennsylvania's Q1 earnings call highlighted solid loan growth, deposit increases, net interest margin expansion, and raised full-year guidance amid favorable economic conditions. Q1 earnings beats and raised guidance signal moderate improvements in financial performance and outlook, balanced by typical quarterly reporting.

22 Apr

4 transcript

Univest Corporation of Pennsylvania (UVSP) Q2 2025 earnings call transcript covers quarterly financial results, management discussion, and forward-looking statements. Quarterly earnings transcript provides detailed financial metrics, strategic updates, and guidance that significantly shape investor expectations and stock trajectory.

4 transcript

Univest Corporation of Pennsylvania (UVSP) Q3 2025 earnings call transcript covers financial results, operational updates, management commentary, and Q&A on performance and outlook. Q3 2025 earnings transcript discloses key financial metrics, guidance, and strategic insights that significantly influence UVSP's trajectory and investor sentiment.

4

Univest Corporation of Pennsylvania (UVSP) reported Q1 earnings and revenues that exceeded analyst estimates. Beating Q1 earnings and revenue estimates signals strong financial health, likely boosting stock price and investor sentiment significantly.

4

Univest Corporation of Pennsylvania (UVSP) reported Q1 earnings and revenues exceeding analyst estimates. Q1 earnings and revenue beats signal strong financial performance, likely boosting stock price and investor sentiment significantly.

4

Univest Financial Corporation reported first quarter results. First quarter earnings directly impact financial performance metrics and investor sentiment toward UVSP.

4 transcript

Univest Corporation of Pennsylvania (UVSP) released its Q1 2025 earnings call transcript, detailing financial results, performance highlights, and forward-looking guidance. Quarterly earnings transcripts reveal key financial metrics, strategic updates, and guidance that significantly shape UVSP's market performance and investor sentiment.

21 Apr

4 transcript

Univest (UVSP) Q4 2025 earnings call transcript details financial results, strategic updates, and forward guidance from management. Q4 earnings transcript reveals financial performance, growth strategies, and outlook that significantly shape UVSP's trajectory and investor sentiment.

4 Feb

3

Univest Corporation of Pennsylvania (UVSP) is highlighted as one of three undervalued small-cap stocks experiencing insider buying activity. This trend suggests confidence from company executives in the stock's potential for growth. Insider buying can indicate that those with the most knowledge about the company believe its shares are undervalued, potentially signaling a positive outlook for investors. The article emphasizes the importance of monitoring such activities as they may influence market sentiment and investment decisions. Insider buying activity may moderately influence investor sentiment and financial performance.

3 Feb

3

Univest Corporation of Pennsylvania (UVSP) is currently being evaluated for potential undervaluation in the stock market. Analysts are examining various financial metrics and market conditions to determine if the stock presents a buying opportunity. Factors such as earnings performance, market trends, and competitive positioning are being considered in this assessment. Investors are encouraged to analyze these elements to make informed decisions regarding UVSP's stock value. Current evaluations suggest a moderately noticeable influence on UVSP's financial performance and market sentiment.

1 Feb

4

Univest Financial Corp (UVSP) reported strong earnings growth in Q4 2025, highlighting significant improvements in financial performance and operational efficiency. The company emphasized its strategic initiatives and market positioning, which contributed to the positive results. Key metrics showed robust revenue increases and effective cost management, reinforcing investor confidence in the firm's future prospects. Strong earnings growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

29 Jan

4 transcript

Univest Corporation of Pennsylvania reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company emphasized growth in loan and deposit portfolios, alongside improvements in net interest margin. Management discussed ongoing efforts to enhance operational efficiency and customer service, while also addressing challenges in the current economic environment. Future outlook remains cautiously optimistic, with plans for continued investment in technology and community engagement. Significant strategic initiatives and financial performance improvements are likely to influence future growth and investor sentiment.

4

Univest Corporation of Pennsylvania (UVSP) is highlighted as a top dividend stock, attracting attention from investors seeking reliable income. The company has demonstrated consistent dividend payments, making it an appealing option for those focused on yield. Analysts suggest that UVSP's strong financial performance and commitment to returning value to shareholders position it favorably in the current market. Investors are encouraged to consider the stock for its potential to provide steady returns amidst economic fluctuations. Univest's strong dividend performance and financial stability indicate significant potential for future growth and investor interest.

28 Jan

4

Univest Financial Corporation reported its fourth quarter 2025 results, highlighting key financial metrics and performance indicators. The company demonstrated growth in net income and assets, alongside an increase in loans and deposits. Management provided insights into strategic initiatives and market conditions that influenced the results. Overall, the report reflects a positive trajectory for the company amidst a competitive landscape. The financial results indicate significant growth and strategic initiatives that could alter the company's future performance.

19 Jan

3

Univest Corporation of Pennsylvania (UVSP) is highlighted as a promising small-cap stock in the U.S. market, showcasing its potential for growth and investment. The article emphasizes the company's strong fundamentals, strategic initiatives, and favorable market conditions that position it well for future success. Investors are encouraged to consider UVSP as a valuable addition to their portfolios, given its under-the-radar status and growth prospects. Univest Corporation's strong fundamentals and strategic initiatives suggest a moderately noticeable influence on its future performance.

30 Dec

3

Univest Financial Corporation (NASDAQ:UVSP) is predominantly controlled by institutional shareholders, who collectively own 79% of the company. This significant ownership stake indicates a strong influence of institutional investors on the company's strategic decisions and overall direction. The high level of institutional ownership may moderately influence the company's strategic direction and market sentiment.

3 Dec

4

Univest Corporation of Pennsylvania (UVSP) is highlighted as an undervalued small-cap stock in December 2025, with notable insider actions indicating potential growth. The article emphasizes the importance of monitoring insider trading as a signal for investment opportunities, particularly in the context of regional market dynamics. UVSP's strategic positioning and recent developments are discussed, suggesting that it may be poised for significant performance improvements in the near future. Insider actions and strategic positioning suggest significant potential for future performance improvements.

24 Nov

4

Univest Corporation of Pennsylvania (UVSP) is highlighted as a potential investment gem in the U.S. market, showcasing its strong financial performance, strategic growth initiatives, and commitment to community engagement. The company has demonstrated resilience in a competitive landscape, with a focus on expanding its service offerings and enhancing customer experience. Analysts suggest that UVSP's solid fundamentals and growth prospects make it an attractive option for investors seeking undervalued stocks. Univest's strategic growth initiatives and strong financial performance are likely to significantly impact its future market position.

21 Nov

4

Investors in Univest Financial (NASDAQ:UVSP) have seen a 79% increase in their investments over the past five years, reflecting strong performance and growth in the company's stock value. This positive trend highlights the company's resilience and potential for continued success in the financial sector. The significant increase in stock value indicates strong market performance and investor confidence, likely influencing future growth.

6 Nov

4

Univest Financial Corporation has successfully completed a $50.0 million subordinated debt offering. The offering is expected to enhance the company's capital position and support its growth initiatives. Proceeds from the offering will be used for general corporate purposes, including potential investments and strategic opportunities. The subordinated debt offering is a significant strategic move that could enhance capital and support growth initiatives.

24 Oct

4

Univest Financial Corporation (UVSP) reported a significant increase in profit margins, defying the prevailing narrative of margin pressure affecting the financial sector. This surge in profitability highlights the company's effective management strategies and operational efficiencies, positioning it favorably against competitors facing tighter margins. Analysts view this performance as a potential indicator of resilience within the company, suggesting that UVSP may continue to thrive despite broader economic challenges. The profit margin surge indicates a significant strategic advantage that could enhance future performance and investor sentiment.

23 Oct

4

Univest Corporation of Pennsylvania (UVSP) is highlighted as a potential undervalued investment opportunity in the US market for October 2025. Analysts point to its strong financial fundamentals, growth potential, and strategic initiatives that could enhance its market position. The company is positioned well to capitalize on emerging trends and market dynamics, making it an attractive option for investors seeking undiscovered gems. Strong financial fundamentals and growth potential indicate significant impact on future performance.

stockrow.com/UVSP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com