Univest Of Pennsylvania (UVSP) AI Stock Analysis

• Market Cap: $924.32M
• Dividend Yield: 2.74%
• Average Volume (3M): 108.65K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.85
• Revenue Growth: 4.49%
• EPS Growth: 20.44%
• Country: US
• Employees: 892
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.89
• Shares Outstanding: 28,475,714
• 10 Day Avg. Volume: 110,093
• 30 Day Avg. Volume: 108,652
• PEG Ratio: 1.44
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 1.72
• P/FCF Ratio: 11.94
• Enterprise Value/Market Cap: 1.27
• Enterprise Value/Revenue: 2.28
• Enterprise Value/Gross Profit: 3.78
• Enterprise Value/Ebitda: 10.35
• 1Y Price Target: $34.00
• Price Target Upside: 15.76% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $33.00 ▲(12.36% Upside)

Univest Of Pennsylvania's strong financial performance and positive earnings call sentiment are the primary drivers of its score. The stock's valuation is attractive, though technical indicators suggest a neutral trend. Challenges in loan growth and cash flow warrant attention, but overall, the company's prospects remain solid.

Positive Factors

Strong Deposit Growth

The significant increase in deposits enhances liquidity and provides a stable funding base, which can support future lending and investment activities.

Improved Core Net Interest Margin

An improved net interest margin indicates better profitability from core banking operations, which can enhance earnings stability over the long term.

Net Income Growth

Substantial net income growth reflects effective cost management and revenue generation, strengthening the company's financial position.

Negative Factors

Contraction in Loan Outstandings

A decrease in loan outstandings can limit interest income growth and indicates potential challenges in loan demand or credit conditions.

Provision for Credit Losses

Increased provisions for credit losses suggest potential risks in the loan portfolio, which could impact future profitability.

Noninterest Expense Increase

Rising noninterest expenses can pressure profit margins, necessitating efficiency improvements to maintain profitability.

Univest Of Pennsylvania Business Overview & Revenue Model

Company Description

Univest of Pennsylvania (UVSP) is a financial services company headquartered in Souderton, Pennsylvania. It operates primarily through its banking subsidiary, Univest Bank and Trust Co., offering a range of financial solutions including commercial and retail banking, investment services, and insurance products. The company serves individuals, businesses, and municipalities, providing services such as deposit accounts, loans, wealth management, and trust services, with a strong focus on community engagement and customer service.

How the Company Makes Money

Univest generates revenue through multiple key streams, primarily from interest income earned on loans and investments, as well as non-interest income from fees associated with banking services, investment management, and insurance products. The company's loan portfolio, which includes commercial, residential, and consumer loans, is a significant source of interest income. Additionally, Univest earns fees through service charges on deposit accounts, transaction fees, and advisory fees from wealth management services. Strategic partnerships with other financial institutions and businesses also contribute to its earnings by expanding service offerings and customer reach.

Univest Of Pennsylvania Financial Statement Overview

Summary

Univest Of Pennsylvania demonstrates solid financial health with consistent revenue growth and strong cash flow generation. The company has improved its leverage position, enhancing financial stability. While profitability margins are stable, there is potential to enhance net profit margins further.

Income Statement

Univest Of Pennsylvania shows a steady revenue growth rate with a TTM increase of 1.33%. The gross profit margin remains strong at 58.7%, indicating efficient cost management. However, the net profit margin has slightly decreased over time, currently at 15.7%, suggesting some pressure on profitability. EBIT and EBITDA margins are stable, reflecting consistent operational performance.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.42 in the TTM, indicating a healthier leverage position compared to previous years. Return on equity is stable at 8.9%, showing consistent shareholder returns. The equity ratio is moderate, suggesting a balanced capital structure, but there is room for improvement in asset utilization.

Cash Flow

Free cash flow has shown significant growth of 34.8% in the TTM, highlighting strong cash generation capabilities. The operating cash flow to net income ratio is robust at 2.91, indicating efficient cash conversion. The free cash flow to net income ratio is nearly 1, reflecting effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	513.41M	500.41M	448.55M	330.08M	292.95M	282.27M
Gross Profit	309.38M	293.29M	286.05M	283.98M	281.74M	211.90M
EBITDA	113.01M	102.77M	93.33M	100.98M	117.52M	61.90M
Net Income	86.95M	75.93M	71.10M	78.12M	91.80M	46.92M
Balance Sheet
Total Assets	8.57B	8.13B	7.78B	7.22B	7.12B	6.34B
Cash, Cash Equivalents and Short-Term Investments	196.88M	337.12M	601.35M	503.06M	1.21B	438.50M
Total Debt	241.26M	416.93M	499.92M	473.55M	247.43M	349.11M
Total Liabilities	7.64B	7.24B	6.94B	6.45B	6.35B	5.64B
Stockholders Equity	933.22M	887.30M	839.21M	776.50M	773.79M	692.47M
Cash Flow
Free Cash Flow	94.33M	72.00M	83.02M	104.23M	96.46M	47.43M
Operating Cash Flow	98.89M	75.11M	89.74M	109.45M	102.34M	51.18M
Investing Cash Flow	-63.63M	-259.74M	-454.44M	-897.61M	-126.78M	-867.39M
Financing Cash Flow	276.78M	263.68M	461.69M	50.81M	694.73M	910.94M

Univest Of Pennsylvania Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 29.37
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 29.37 is below the 20-day moving average (MA) of 30.58, below the 50-day MA of 30.01, and below the 200-day MA of 29.46, indicating a bullish trend. The MACD of 0.60 indicates Negative momentum. The RSI at 67.13 is Neutral, neither overbought nor oversold. The STOCH value of 84.87 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UVSP.

Univest Of Pennsylvania Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ESQ	79 Outperform	$810.91M	16.69	19.19%	0.69%	17.98%	14.35%
UVSP	72 Outperform	$924.32M	10.86	9.61%	2.74%	4.49%	20.44%
NBN	69 Neutral	$723.42M	8.53	19.62%	0.05%	33.22%	38.44%
AMTB	69 Neutral	$707.71M	10.82	7.21%	1.91%	15.37%	―
FMBH	68 Neutral	$863.17M	9.87	9.74%	2.54%	3.54%	12.23%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SBSI	65 Neutral	$901.98M	13.03	8.53%	4.80%	-4.08%	-16.80%

Univest Of Pennsylvania Corporate Events

Univest Completes $50M Subordinated Notes Placement

On November 6, 2025, Univest Financial Corporation announced the completion of a $50 million private placement of fixed-to-floating rate subordinated notes due 2035. The proceeds from this issuance are intended to redeem the company’s outstanding $80 million of callable subordinated notes and for general corporate purposes. The notes have a fixed interest rate of 6.00% for the first five years, transitioning to a floating rate thereafter. This strategic financial maneuver is designed to enhance Univest’s capital structure by qualifying the notes as Tier 2 capital for regulatory purposes, potentially improving its financial stability and flexibility.

The most recent analyst rating on (UVSP) stock is a Buy with a $33.00 price target. To see the full list of analyst forecasts on Univest Of Pennsylvania stock, see the UVSP Stock Forecast page.

Univest Financial Corporation Reports Strong Q3 2025 Earnings

Univest Financial Corporation, headquartered in Souderton, Pennsylvania, operates in the financial services sector, providing a range of banking, insurance, investment, and equipment financing solutions primarily in the Mid-Atlantic region through its subsidiary, Univest Bank and Trust Co.

Univest Corp’s Q3 Earnings Call: Strong Growth Amid Challenges

Univest Corporation of Pennsylvania’s recent earnings call painted a picture of robust financial health, underscored by significant net income growth and a substantial increase in deposits. The company demonstrated resilience with improvements in core net interest margin (NIM) and noninterest income. However, challenges such as loan contraction, rising noninterest expenses, and provisions for credit losses were also highlighted. Despite these hurdles, the overall sentiment was positive, with the strengths outweighing the concerns.