Univest Corporation Of Pennsylvania (UVSP)
NASDAQ:UVSP
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Univest Of Pennsylvania
(NASDAQ:UVSP)
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Rating:78Outperform
Price Target:
$44.00
▲(17.08% Upside)
Action:ReiteratedDate:04/29/26
UVSP’s score is driven primarily by solid financial fundamentals (steady growth, improving leverage, and strong free-cash-flow conversion) and a constructive technical uptrend. Valuation is a meaningful positive with a low P/E and a reasonable dividend. The earnings call supports the outlook via maintained/raised net interest income growth expectations and continued capital return, tempered by expense pressures and competitive/deposit-cost headwinds.
Positive Factors
Conservative & improving leverage
Lower and improving leverage increases the bank’s resilience to shocks, reduces interest burden and funding strain, and supports capital return and strategic optionality. This structural de-risking underpins credit quality, rating stability and long-term funding flexibility.
Negative Factors
Rising noninterest expense & medical volatility
A structurally higher expense baseline and volatile self-funded medical claims make cost control harder and compress sustainable efficiency gains. Persistent expense increases reduce the payoff from NIM improvements and limit capacity for margin-supporting initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative & improving leverage
Lower and improving leverage increases the bank’s resilience to shocks, reduces interest burden and funding strain, and supports capital return and strategic optionality. This structural de-risking underpins credit quality, rating stability and long-term funding flexibility.
Read all positive factors
Univest Of Pennsylvania (UVSP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.07B
Dividend Yield2.59%
Average Volume (3M)117.86K
Price to Earnings (P/E)8.9
Beta (1Y)0.82
Revenue Growth3.92%
EPS Growth25.09%
CountryUS
Employees892
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.96
Shares Outstanding27,845,802
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 Cap1.11
Enterprise Value/Revenue2.26
Enterprise Value/Gross Profit3.64
Enterprise Value/Ebitda9.58
Forecast
1Y Price Target
$37.50Price Target Upside-0.21% Downside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.41
Revenue Forecast (FY)$347.05M
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:Apr 22, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
Earnings Call Sentiment Positive
The call highlighted strong underlying operating performance: robust EPS growth (24.7%), NIM expansion, improved ROAA and efficiency, disciplined credit metrics, and active capital return via dividend increase and sizeable buybacks. Key challenges include rising noninterest expenses driven by medical claims and restructuring, heightened competition in certain lending segments, limited near-term deposit cost relief, and monitored macro risks (fuel/fertilizer impacts on ag credits). Management maintained constructive 2026 guidance (loan growth 2%-3%, NII growth 5%-7%) and continues to prioritize buybacks while remaining opportunistic on M&A.Positive Updates
Strong Earnings and EPS Growth
Net income of $27.1 million and EPS of $0.96 for Q1 2026, representing a 24.7% increase in EPS versus Q1 2025.
Negative Updates
Noninterest Expense Increase and Medical Claims Volatility
Noninterest expense increased $3.3 million (6.8%) versus Q1 2025, including $427,000 of restructuring charges and a $753,000 (48.8%) increase in medical claims expense tied to the corporation's self-funded medical plan, creating expense volatility.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Earnings and EPS Growth
Net income of $27.1 million and EPS of $0.96 for Q1 2026, representing a 24.7% increase in EPS versus Q1 2025.
Read all positive updates
Company Guidance
Management maintained full-year guidance targeting loan growth of about 2%–3%, provision expense of $11–$13 million, noninterest expense growth of roughly 6%–8% (or 3%–5% excluding BOLI/death‑benefit impacts), and updated full‑year net interest income growth to 5%–7% on continued margin momentum; the effective tax rate is expected to be 20%–21%. They signaled ongoing capital return—continuing buybacks (about $12 million repurchased this quarter, 351,138 shares) and a 4.5% dividend increase to $0.23/share—while aiming to keep CET1 around the low‑11% range (came in at 11.32% at quarter end).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 | 522.10M | 518.35M | 500.41M | 448.55M | 330.08M | 292.95M |
| Gross Profit | 324.80M | 316.39M | 293.29M | 286.05M | 283.98M | 281.74M |
| EBITDA | 123.45M | 119.82M | 102.77M | 93.33M | 100.98M | 117.52M |
| Net Income | 95.45M | 90.76M | 75.93M | 71.10M | 78.12M | 91.80M |
Balance Sheet | ||||||
| Total Assets | 8.14B | 8.44B | 8.13B | 7.78B | 7.22B | 7.12B |
| Cash, Cash Equivalents and Short-Term Investments | 233.00M | 562.36M | 337.12M | 601.35M | 503.06M | 1.21B |
| Total Debt | 327.76M | 351.81M | 416.93M | 499.92M | 473.55M | 247.43M |
| Total Liabilities | 7.19B | 7.49B | 7.24B | 6.94B | 6.45B | 6.35B |
| Stockholders Equity | 951.95M | 943.32M | 887.30M | 839.21M | 776.50M | 773.79M |
Cash Flow | ||||||
| Free Cash Flow | 100.26M | 96.93M | 72.00M | 83.02M | 104.23M | 96.46M |
| Operating Cash Flow | 108.04M | 101.51M | 75.11M | 89.74M | 109.45M | 102.34M |
| Investing Cash Flow | -117.71M | -79.48M | -259.74M | -454.44M | -897.61M | -126.78M |
| Financing Cash Flow | 62.89M | 207.04M | 263.68M | 461.69M | 50.81M | 694.73M |
Univest Of Pennsylvania Technical Analysis
Positive
37.58
Price Trends
34.61
Positive
33.91
Positive
31.92
Positive
Market Momentum
0.94
Negative
70.08
Negative
72.75
Neutral
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 37.58 is above the 20-day moving average (MA) of 35.38, above the 50-day MA of 34.61, and above the 200-day MA of 31.92, indicating a bullish trend. The MACD of 0.94 indicates Negative momentum. The RSI at 70.08 is Negative, neither overbought nor oversold. The STOCH value of 72.75 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $1.16B | 9.69 | 10.04% | 2.43% | 5.90% | 17.81% | |
78 Outperform | $1.07B | 8.86 | 10.19% | 2.59% | 3.92% | 25.09% | |
74 Outperform | $924.22M | 18.16 | 18.23% | 0.66% | 20.11% | 11.08% | |
68 Neutral | $1.02B | 9.94 | 8.37% | 4.59% | -6.76% | -18.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $998.01M | 7.82 | 18.63% | 0.04% | 17.95% | 29.31% | |
63 Neutral | $922.90M | 9.68 | 6.81% | 1.79% | 8.98% | ― |
* Financial Sector Average
UVSP
Univest Of Pennsylvania
38.34
8.66
29.18%
NBN
Northeast Bancorp
125.10
41.94
50.44%
SBSI
Southside Bancshares
34.35
6.85
24.90%
FMBH
First Mid-Illinois Bancshares
43.43
8.39
23.96%
ESQ
Esquire Financial Holdings
107.01
20.89
24.26%
AMTB
Amerant Bancorp
22.94
5.80
33.83%
Univest Of Pennsylvania Corporate Events
Executive/Board ChangesShareholder Meetings
Univest Shareholders Approve Directors, Auditor and Executive Pay
Positive
Apr 24, 2026
At Univest Financial Corporation’s annual meeting of shareholders held on April 23, 2026, investors voted on governance and oversight matters tied to the company’s ongoing operations and leadership. Shareholders of record for 28,083,53...
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.