Univest Corporation of Pennsylvania UVSP
- Market cap
- $1.2B
- P/E
- 12.1×
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Target Price Range
Analyst price targets
Free account| 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
|
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| 12.81% | 27.81% | 24.21% | 28.64% | 20.16% | 39.03% | 29.45% | 19.77% | 19.04% | 21.87% |
EBT Margin
|
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| 20 | 44 | 51 | 66 | 47 | 92 | 78 | 71 | 76 | 91 |
Net Income
|
|||
| 5 | 7 | 7 | 7 | 8 | 6 | 5 | 6 | 9 | 7 |
Depreciation
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|||
| 7.98 | 8.35 | 8.59 | 9.57 | 9.67 | 9.97 | 11.23 | 15.24 | 17.13 | 18.04 |
Revenue/Sh
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| 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
|
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| 0.94 | 2.58 | 2.82 | 2.40 | 1.67 | 3.53 | 3.55 | 2.83 | 2.47 | 3.38 |
Free CF/Sh
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| 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
|
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| 1.40 | 1.24 | 1.01 | 1.16 | 0.87 | 1.14 | 0.99 | 0.77 | 0.97 | 1.00 |
PB Ratio
|
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| 4.06 | 4.14 | 3.03 | 3.23 | 2.39 | 0.63 | 2.59 | 1.91 | 1.81 | 0.94 |
EV/Sales
|
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| 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
|
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| (247) | 16 | 7 | 99 | 233 | 83 | 123 | 391 | 362 | 342 |
Working Cap'
|
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| 94 | 250 | 240 | 245 | 294 | 194 | 243 | 459 | 374 | 299 |
Total Debt
|
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| 36 | 175 | 130 | 120 | 74 | (696) | 90 | 209 | 45 | (255) |
Net Debt
|
|||
| 505 | 603 | 624 | 675 | 692 | 774 | 777 | 839 | 887 | 943 |
Sh' Equity
|
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| 0.54% | 0.99% | 1.05% | 1.26% | 0.80% | 1.36% | 1.09% | 0.95% | 0.95% | 1.10% |
ROA
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| 4.08% | 4.96% | 5.07% | 6.29% | 4.76% | 92.18% | 7.02% | 5.38% | 6.39% | 10.29% |
ROIC
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| 4.46% | 7.88% | 8.18% | 10.08% | 6.85% | 12.52% | 10.08% | 8.80% | 8.80% | 9.92% |
ROE
|
|||
Univest Corporation of Pennsylvania peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| AMTB Amerant Bancorp Inc. | $1.2B | 21.1× | Compare |
| HFWA Heritage Financial Corporation | $1.2B | 13.4× | Compare |
| NBN Northeast Bancorp | $1.1B | 10.1× | Compare |
| THFF First Financial Corporation Indiana | $1.2B | 10.6× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| MCB Metropolitan Bank Holding Corp. | $1.1B | 11.2× | Compare |
| CFFN Capitol Federal Financial | $1.1B | 13.4× | Compare |
| FSBC Five Star Bancorp | $1.1B | 12.9× | Compare |
| OSBC Old Second Bancorp, Inc. | $1.3B | 14.0× | Compare |
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.
Univest Corporation of Pennsylvania (UVSP) Latest News
23 Sep
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
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
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.
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
Univest Financial Corporation reported its second quarter results. Quarterly earnings provide key financial metrics that affect near-term stock performance and sentiment.
26 Apr
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
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.
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.
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
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.
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.
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.
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.
Univest Financial Corporation reported first quarter results. First quarter earnings directly impact financial performance metrics and investor sentiment toward UVSP.
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
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
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
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
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
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.
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
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
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
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
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
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
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
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
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
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.