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Univest Of Pennsylvania
(NASDAQ:UVSP)
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Rating:74Outperform
Price Target:
$49.00
▲(10.11% Upside)
Action:Reiterated
Date:07/28/26
UVSP scores 74 driven primarily by solid financial performance (growing revenue, healthy profitability, improving leverage, and strong free-cash-flow conversion). Technicals are supportive with price holding above key longer-term moving averages, and valuation appears reasonable at a 12.64 P/E with a ~2.02% dividend yield. The latest earnings call adds a modest caution due to event-driven credit issues and a meaningful REO write-down despite improved NII guidance and strong core trends.
Positive Factors
Improved leverage and conservative balance sheet
Leverage materially improved versus prior years, lowering solvency and regulatory risks and increasing strategic optionality. A stronger capital base supports continued lending, buybacks, and loss absorption during stress, making the bank's funding and solvency profile more durable over months.
Negative Factors
TTM revenue contraction
A nearly 19% TTM revenue drop signals a choppier top-line trajectory that can limit operating leverage and long-term earnings upside. Sustained revenue weakness raises pressure on fee and loan growth targets and makes profitability more sensitive to credit or margin volatility.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage and conservative balance sheet
Leverage materially improved versus prior years, lowering solvency and regulatory risks and increasing strategic optionality. A stronger capital base supports continued lending, buybacks, and loss absorption during stress, making the bank's funding and solvency profile more durable over months.
Read all positive factors
Univest Of Pennsylvania Key Performance Indicators (KPIs)
Any
Income Before Taxes by Segment
Shows pre-tax profits for each business unit, isolating where the bank actually makes or loses money before taxes are applied. Helps investors see which segments contribute most to overall earnings, identify underperforming lines, and assess management’s ability to control costs and grow profitable businesses.
Shows pre-tax profits for each business unit, isolating where the bank actually makes or loses money before taxes are applied. Helps investors see which segments contribute most to overall earnings, identify underperforming lines, and assess management’s ability to control costs and grow profitable businesses.
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The Fly
The FlyUnivest Of Pennsylvania (UVSP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.22B
Dividend Yield2.01%
Average Volume (3M)117.86K
Price to Earnings (P/E)12.7
Beta (1Y)0.82
Revenue Growth2.41%
EPS Growth26.67%
CountryUS
Employees960
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.49
Shares Outstanding27,580,769
10 Day Avg. Volume126,310
30 Day Avg. Volume117,864
Financial Highlights & Ratios
PEG Ratio0.49
Price to Book (P/B)1.00
Price to Sales (P/S)1.81
P/FCF Ratio9.71
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$47.00Price Target Upside5.62% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.71
Revenue Forecast (FY)$353.49M
Univest Of Pennsylvania Business Overview & Revenue Model
Company Description
Univest Financial Corporation operates as the parent company for Univest Bank and Trust Co., primarily delivering banking solutions throughout Pennsylvania. The organization structures its operations into three core segments: Banking, Wealth Manag...
How the Company Makes Money
Univest primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on earning assets—most notably commercial loans (including owner-occupied a...
Univest Of Pennsylvania Earnings Call Summary
Earnings Call Date:Jul 22, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 28, 2026
Earnings Call Sentiment Positive
The call showed solid core operating performance: strong EPS growth, healthy loan and deposit increases, NII and core NIM expansion, fee-income gains in advisory and mortgage banking, and continued share repurchases. These positives were tempered by material, event-driven credit items — notably a $5.2 million REO valuation adjustment and a $28.6 million commercial loan placed on non-accrual with a $9.8 million specific reserve — along with modest declines in reported non-interest income and competitive pressure on spreads. Management maintained guidance and provided an improved NII outlook, while flagging that provisioning and credit outcomes remain event-dependent.Positive Updates
Strong Earnings and EPS Growth
Net income of $23.0 million and diluted EPS of $0.82, representing an 18.8% increase in EPS versus Q2 2025.
Negative Updates
Significant REO Valuation Adjustment
Recorded a $5.2 million pre-tax valuation adjustment on an OREO property (lab/office building in Princeton), which reduced earnings by $4.1 million after tax and lowered EPS by $0.15; non-interest income fell $3.4 million YoY largely due to this item.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Earnings and EPS Growth
Net income of $23.0 million and diluted EPS of $0.82, representing an 18.8% increase in EPS versus Q2 2025.
Read all positive updates
Company Guidance
Management maintained its 2026 outlook: loan growth of ~2%–3%, non‑interest income growth of ~6%–8% (ex. BOLI death benefits and REO adjustments), non‑interest expense growth of 3%–5%, provisioning of $11M–$13M (event‑driven and may be affected by a $28.6M loan placed on non‑accrual with a $9.8M specific reserve), and an updated full‑year net interest income growth target of 8%–10%; the effective tax rate is expected to be 20%–21%. Supporting Q2 metrics included reported NIM of 3.49% (core NIM 3.53%), quarterly NII up $2.9M (+4.5% QoQ, +$6.7M/+11.3% YoY), net income $23.0M ($0.82/sh, +18.8% YoY), an OREO valuation adjustment of $5.2M pre‑tax ($4.1M after‑tax, −$0.15 EPS), a $101.7M (6% annualized) increase in loans, $119.2M (7.2% annualized) increase in deposits, net charge‑offs $1.9M (11 bps annualized), ACL coverage 1.28% of loans, and continued buybacks (425,539 shares in Q2; 776,677 YTD); management expects core NIM to hold near the 350 bps range, ± ~5 bps, and noted >$300M of CDs maturing in Q3.Univest Of Pennsylvania Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
76
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 521.13M | 518.35M | 500.41M | 448.55M | 330.08M | 292.95M |
| Gross Profit | 331.13M | 316.39M | 293.29M | 286.05M | 283.98M | 281.74M |
| EBITDA | 126.66M | 119.82M | 102.77M | 93.33M | 100.98M | 117.52M |
| Net Income | 98.43M | 90.76M | 75.93M | 71.10M | 78.12M | 91.80M |
Balance Sheet | ||||||
| Total Assets | 8.20B | 8.44B | 8.13B | 7.78B | 7.22B | 7.12B |
| Cash, Cash Equivalents and Short-Term Investments | 79.49M | 562.36M | 337.12M | 601.35M | 503.06M | 1.21B |
| Total Debt | 269.68M | 351.81M | 416.93M | 499.92M | 473.55M | 247.43M |
| Total Liabilities | 7.25B | 7.49B | 7.24B | 6.94B | 6.45B | 6.35B |
| Stockholders Equity | 954.25M | 943.32M | 887.30M | 839.21M | 776.50M | 773.79M |
Cash Flow | ||||||
| Free Cash Flow | 102.89M | 96.93M | 72.00M | 83.02M | 104.23M | 96.46M |
| Operating Cash Flow | 108.75M | 101.51M | 75.11M | 89.74M | 109.45M | 102.34M |
| Investing Cash Flow | -236.72M | -83.68M | -259.74M | -454.44M | -897.61M | -126.78M |
| Financing Cash Flow | 257.38M | 207.04M | 263.68M | 461.69M | 50.81M | 694.73M |
Univest Of Pennsylvania Risk Analysis
Univest Of Pennsylvania disclosed 41 risk factors in its most recent earnings report. Univest Of Pennsylvania reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Univest Of Pennsylvania Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $1.12B | 20.38 | 17.82% | 0.62% | 19.99% | 10.00% | |
74 Outperform | $1.22B | 12.68 | 10.41% | 2.01% | 2.41% | 26.67% | |
72 Outperform | $1.06B | 9.60 | 19.35% | 0.03% | 9.28% | 25.70% | |
70 Outperform | $1.39B | 12.89 | 9.86% | 1.96% | 10.34% | 14.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $969.06M | 12.80 | 8.89% | 4.21% | -4.09% | -9.75% | |
64 Neutral | $1.16B | 21.20 | 6.62% | 1.26% | 5.13% | ― |
* Financial Sector Average
UVSP
Univest Of Pennsylvania
44.50
16.54
59.16%
NBN
Northeast Bancorp
132.39
36.74
38.41%
SBSI
Southside Bancshares
32.66
5.11
18.54%
FMBH
First Mid-Illinois Bancshares
52.50
15.70
42.66%
ESQ
Esquire Financial Holdings
129.05
35.12
37.38%
AMTB
Amerant Bancorp
29.67
10.96
58.58%
Univest Of Pennsylvania Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Univest Highlights Growth Strategy and Financial Resilience
Positive
Jul 27, 2026
On July 27, 2026, Univest Financial Corporation distributed an investor slide presentation to analysts and prospective investors outlining its operating and growth strategies and recent financial performance. The materials highlight the company...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.