Univest Corporation Of Pennsylvania (UVSP)
NASDAQ:UVSP
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Univest Of Pennsylvania
(NASDAQ:UVSP)
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Rating:73Outperform
Price Target:
$39.00
▲(3.70% Upside)
Action:ReiteratedDate:04/03/26
UVSP scores well on steady fundamentals and improving leverage, supported by a constructive technical trend and attractive valuation (low P/E and a ~2.5% yield). The score is tempered by cash-flow volatility, margin compression versus prior peaks, and earnings-call headwinds around near-term deposit outflows, reported NIM pressure from excess liquidity, and elevated 2026 provision guidance.
Positive Factors
Improving balance-sheet leverage
Debt-to-equity declining toward ~0.40 and rising equity in 2025 indicate the bank is de-risking its capital structure. Lower leverage improves loss-absorption capacity and funding optionality, supporting regulatory resilience, capacity for selective growth, and sustainable capital returns over the medium term.
Negative Factors
NIM pressure from excess liquidity
Seasonal public-fund inflows and related excess liquidity compressed reported NIM, and management expects ongoing deployment needs. Persistent excess liquidity or slower deposit pricing normalization risks structurally lower margins unless ALM actions or loan re-pricing sustainably restore spread.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving balance-sheet leverage
Debt-to-equity declining toward ~0.40 and rising equity in 2025 indicate the bank is de-risking its capital structure. Lower leverage improves loss-absorption capacity and funding optionality, supporting regulatory resilience, capacity for selective growth, and sustainable capital returns over the medium term.
Read all positive factors
Univest Of Pennsylvania (UVSP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.06B
Dividend Yield2.59%
Average Volume (3M)117.86K
Price to Earnings (P/E)10.4
Beta (1Y)0.83
Revenue Growth4.49%
EPS Growth20.44%
CountryUS
Employees892
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.79
Shares Outstanding28,083,532
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 Cap0.81
Enterprise Value/Revenue1.65
Enterprise Value/Gross Profit2.70
Enterprise Value/Ebitda7.18
Forecast
1Y Price Target
$35.50Price Target Upside-5.61% Downside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.39
Revenue Forecast (FY)$344.01M
Univest Of Pennsylvania Business Overview & Revenue Model
Company Description
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....
How the Company Makes Money
Univest primarily makes money through (1) net interest income and (2) noninterest (fee-based) income. Net interest income is earned from the spread between interest income on earning assets (mainly loans such as commercial & industrial loans, comm...
Univest Of Pennsylvania Key Performance Indicators (KPIs)
Univest Of Pennsylvania Earnings Call Summary
Earnings Call Date:Jan 28, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 22, 2026
Earnings Call Sentiment Positive
The call communicated several clear positives: record full-year EPS, strong Q4 loan growth, improved core NIM, stable asset quality metrics, and an active share repurchase program. Offsetting items include Q4 deposit outflows driven by public funds seasonality, reported NIM compression from excess liquidity, elevated provisions guidance for 2026, and some expense and deposit-competition pressures. Management provided detailed 2026 guidance (2%–3% loan growth, 4%–6% NII growth, $11M–$13M provision, 3%–5% expense growth) and actions to deploy liquidity and pursue deposit initiatives, suggesting confidence in execution despite near-term headwinds.Positive Updates
Record EPS and Strong Q4 Earnings
Q4 net income of $22.7 million, $0.79 diluted EPS, a 21.5% increase versus Q4 2024; record full-year EPS of $3.13 for 2025.
Negative Updates
Quarterly Deposit Outflow and Public Fund Volatility
Deposits decreased $130.8 million in Q4, driven primarily by a $198.8 million decrease in public funds; management expects $100M–$150M per quarter of public fund outflows in Q1 and Q2 2026, creating near-term excess liquidity deployment needs.
Read all updates
Q4-2025 Updates
Positive
Negative
Record EPS and Strong Q4 Earnings
Q4 net income of $22.7 million, $0.79 diluted EPS, a 21.5% increase versus Q4 2024; record full-year EPS of $3.13 for 2025.
Read all positive updates
Company Guidance
Univest’s 2026 guidance expects loan growth of about 2–3% and modest NIM expansion driving net interest income up roughly 4–6% from 2025 NII of $240.2M (assuming two 25‑bp Fed cuts and overall ALM neutrality); provision for credit losses of $11–13M (Q4 provision was $3.1M), noninterest income growth of ~5–7% off an $85.7M base, noninterest expense growth of ~3–5% (2025 noninterest expense $203M), and an effective tax rate of 20–21%; the firm plans share repurchases of $10–12M per quarter (2.3M shares available to repurchase as of 12/31/25 after repurchasing ~480k shares in Q4 at an average $32.17 and 1.1M shares in 2025 at $30.75, equal to 3.9% of shares outstanding as of 12/31/24). Recent Q4 metrics included net income $22.7M ($0.79/sh), record 2025 EPS $3.13, reported NIM 3.10% (down 7 bps from Q3’s 3.17%) and core NIM 3.37% (up 4 bps), Q4 loan growth $129.3M (7.6% annualized; full‑year +$88.2M/+1.3%), Q4 deposit decline $130.8M (full‑year +$328.1M/+4.9%), coverage ratio 1.28%, net charge‑offs $1.1M (7 bps annualized), nonaccrual loans/total loans 0.2% (down 20 bps) and nonperforming assets/total assets 0.45% (down 16 bps).Univest Of Pennsylvania Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
74
Positive
Cash Flow
66
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 518.35M | 500.41M | 448.55M | 330.08M | 292.95M |
| Gross Profit | 316.39M | 293.29M | 286.05M | 283.98M | 281.74M |
| EBITDA | 119.82M | 102.77M | 93.33M | 100.98M | 117.52M |
| Net Income | 90.76M | 75.93M | 71.10M | 78.12M | 91.80M |
Balance Sheet | |||||
| Total Assets | 8.44B | 8.13B | 7.78B | 7.22B | 7.12B |
| Cash, Cash Equivalents and Short-Term Investments | 562.36M | 337.12M | 601.35M | 503.06M | 1.21B |
| Total Debt | 351.81M | 416.93M | 499.92M | 473.55M | 247.43M |
| Total Liabilities | 7.49B | 7.24B | 6.94B | 6.45B | 6.35B |
| Stockholders Equity | 943.32M | 887.30M | 839.21M | 776.50M | 773.79M |
Cash Flow | |||||
| Free Cash Flow | 96.93M | 72.00M | 83.02M | 104.23M | 96.46M |
| Operating Cash Flow | 101.51M | 75.11M | 89.74M | 109.45M | 102.34M |
| Investing Cash Flow | -79.48M | -259.74M | -454.44M | -897.61M | -126.78M |
| Financing Cash Flow | 207.04M | 263.68M | 461.69M | 50.81M | 694.73M |
Univest Of Pennsylvania Technical Analysis
Positive
37.61
Price Trends
34.23
Positive
33.49
Positive
31.70
Positive
Market Momentum
0.72
Negative
77.44
Negative
95.88
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UVSP, the sentiment is Positive. The current price of 37.61 is above the 20-day moving average (MA) of 34.11, above the 50-day MA of 34.23, and above the 200-day MA of 31.70, indicating a bullish trend. The MACD of 0.72 indicates Negative momentum. The RSI at 77.44 is Negative, neither overbought nor oversold. The STOCH value of 95.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UVSP.
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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $1.00B | 16.46 | 18.78% | 0.66% | 17.98% | 14.35% | |
73 Outperform | $1.06B | 10.37 | 9.82% | 2.59% | 4.49% | 20.44% | |
73 Outperform | $1.06B | 10.15 | 9.74% | 2.43% | 3.54% | 12.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $993.38M | 10.41 | 17.34% | 0.04% | 33.22% | 38.44% | |
56 Neutral | $974.39M | 15.23 | 5.64% | 1.79% | 15.37% | ― | |
53 Neutral | $988.97M | 13.23 | 8.53% | 4.59% | -4.08% | -16.80% |
* Financial Sector Average
UVSP
Univest Of Pennsylvania
37.11
11.85
46.89%
NBN
Northeast Bancorp
123.90
39.08
46.07%
SBSI
Southside Bancshares
33.00
7.08
27.30%
FMBH
First Mid-Illinois Bancshares
43.55
12.99
42.50%
ESQ
Esquire Financial Holdings
113.14
35.96
46.58%
AMTB
Amerant Bancorp
23.81
6.19
35.12%
Univest Of Pennsylvania Corporate Events
Business Operations and Strategy
KBRA Reaffirms Univest Credit Ratings with Stable Outlook
Positive
Apr 2, 2026
On April 1, 2026, Kroll Bond Rating Agency affirmed Univest Financial Corporation’s long-term credit ratings, including a BBB+ senior unsecured debt rating, BBB subordinated debt rating, and K2 short-term debt rating, all with a Stable Outlo...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Univest Extends Exchange Offer for Subordinated Notes
Neutral
Feb 10, 2026
On February 9, 2026, Univest Financial Corporation extended the expiration of its exchange offer for any and all outstanding 6.00% Fixed-to-Floating Subordinated Notes due 2035 that were issued in an unregistered offering on November 6, 2025. The ...
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.