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UVSP stock logo

UVSP

Univest Financial Corporation

$35.02
0.2
 (0.57%)
Exchange:  NASDAQ
Market Cap:  997.22M
Shares Outstanding:  12.337M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Jeffrey Schweitzer
Full Time Employees:  892
Address: 
14 North Main Street
Souderton
PA
18964
US
Website:  https://www.univest.net
Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in Pennsylvania. It operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment provides a range of banking services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking, and equipment lease financing services for individuals, businesses, municipalities, and nonprofit organizations. The Wealth Management segment offers investment advisory, financial planning, and trust and brokerage services for private families and individuals, municipal pension plans, retirement plans, and trusts and guardianships. The Insurance segment provides commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. It serves customers primarily in Bucks, Berks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and York counties in Pennsylvania; and Atlantic, Burlington, and Cape May counties in New Jersey through 37 banking offices. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/29 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue296,182286,051412,355
Gross Profit296,182286,051412,355
EBITDA-2,2821,3490
Operating Income133,2610403,780
Net Income78,12071,10475,931

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets7,780,6288,128,4178,436,897
Total Liabilities6,941,4207,241,1167,493,579
Total Stockholders Equity839,208887,301943,318
Total Debt499,918416,927380,340
Cash and Cash Equivalents249,799328,8440

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow89,74175,106101,512
Capital Expenditure-6,724-3,1040
Free Cash Flow83,01772,002101,512
Net Income71,10475,93190,757
Net Change in Cash97,00079,0450

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)360,074.578Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)363,691.895Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)361,789Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)97,342.659Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)98,320.565Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)97,806.136Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)105,569.233Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)106,949.946Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)106,259.590Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)112,232.901Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)113,360.395Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)112,767.275Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.700Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.720Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.670Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
499.912M  ?P/S
 (TTM)
: 
2.06
?Net Income
 (TTM)
: 
75.931M  ?P/E
 (TTM)
: 
11.75
?Enterprise Value
 (TTM)
: 
868.214M  ?EV/FCF
 (TTM)
: 
9.4
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.28
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
340.929M  ?Debt/Equity
 (TTM)
: 
0.37
?P/B
 (TTM)
: 
1.13  ?Current Ratio
 (TTM)
: 
0.08

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
11.08Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates UVSP intrinsic value between $34.81 – $36.03 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate UVSP Intrinsic Value

Common questions about UVSP valuation

Is Univest Financial Corporation (UVSP) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Univest Financial Corporation (UVSP) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is UVSP a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether UVSP trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is UVSP’s P/E ratio?

You can see UVSP’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for UVSP?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is UVSP a good long-term investment?

Whether UVSP fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

UVSP

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.57
MARKETSnap

Trading Metrics:

Open: 34.27   Previous Close: 34.82
Day Low: 34.21   Day High: 35.05
Year Low: 22.83   Year High: 36.2
Price Avg 50: 34.06   Price Avg 200: 31.86
Volume: 162310   Average Volume: 179453

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See in Nexus

Relevant news

Univest Financial Corporation to Hold First Quarter 2026 Earnings Call
07-04-2026 13:40
Univest (UVSP) Could Be a Great Choice
Are You Looking for a High-Growth Dividend Stock?
Why Univest (UVSP) is a Great Dividend Stock Right Now
Why Univest (UVSP) is a Top Dividend Stock for Your Portfolio
Univest (UVSP) is a Top Dividend Stock Right Now: Should You Buy?

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