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Univest Corporation Of Pennsylvania (UVSP)
:UVSP
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Univest Of Pennsylvania
(NASDAQ:UVSP)
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Rating:75Outperform
Price Target:
$33.00
▲(12.36% Upside)
Univest Of Pennsylvania's overall stock score is driven by its solid financial performance and attractive valuation. The earnings call highlights strong net income and deposit growth, although challenges in loan growth and increased expenses are noted. Technical analysis indicates a neutral trend, contributing to a balanced outlook.
Univest Of Pennsylvania (UVSP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$838.04M
Dividend Yield2.94%
Average Volume (3M)93.39K
Price to Earnings (P/E)9.8
Beta (1Y)0.90
Revenue Growth4.49%
EPS Growth20.44%
CountryUS
Employees892
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.89
Shares Outstanding28,475,714
10 Day Avg. Volume97,038
30 Day Avg. Volume93,386
Financial Highlights & Ratios
PEG Ratio1.44
Price to Book (P/B)0.97
Price to Sales (P/S)1.72
P/FCF Ratio11.94
Enterprise Value/Market Cap1.40
Enterprise Value/Revenue2.38
Enterprise Value/Gross Profit5.16
Enterprise Value/Ebitda10.32
Forecast
1Y Price Target
$34.00Price Target Upside15.76% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Univest Of Pennsylvania Business Overview & Revenue Model
Company DescriptionUnivest 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 MoneyUnivest 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 Earnings Call Summary
Earnings Call Date:Oct 22, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Jan 28, 2026
Earnings Call Sentiment Positive
The earnings call reflects a strong performance in terms of net income growth and deposit increase, with notable improvements in core NIM and noninterest income. However, challenges such as contraction in loan outstandings, increased noninterest expenses, and provisions for credit losses present some concerns. Despite these challenges, the positive aspects notably outweigh the negatives.Q3-2025 Updates
Positive Updates
Significant Increase in Net Income
Net income for Q3 2025 was $25.6 million or $0.89 per share, an increase of $7.1 million or 38% compared to the same quarter in the prior year.
Strong Deposit Growth
Deposits increased by $635.5 million during the quarter, with $473.2 million due to a seasonal build in public funds deposits.
Increase in Noninterest Income
Noninterest income increased by $1.8 million or 8.8% compared to Q3 2024, including a $987,000 increase in BOLI death benefits.
Improved Core Net Interest Margin (NIM)
Core NIM expanded by 9 basis points to 3.33% compared to the second quarter.
Negative Updates
Contraction in Loan Outstandings
Loan outstandings contracted by $15.7 million during the quarter, and there was a year-to-date contraction of $41.1 million compared to growth of $163.5 million in the prior year.
Provision for Credit Losses
A provision for credit losses of $517,000 was recorded, and net charge-offs for the quarter totaled $480,000.
Noninterest Expense Increase
Noninterest expense increased by $2.1 million or 4.4% compared to the third quarter of 2024, driven by compensation costs, bank share tax, and loan workout fees.
Challenges in Loan Growth
Despite a healthy loan pipeline, loan growth was affected by early payoffs and paydowns, with expectations for relatively flat loans compared to December 31, 2024.
Company Guidance
During Univest Financial Corporation's third quarter 2025 earnings call, the company provided updated guidance and highlighted several key metrics. The company reported a net income of $25.6 million, or $0.89 per share, marking a 38% increase from the same quarter in the previous year, attributed mainly to net interest income and prudent expense management. Despite a contraction in loan outstandings year-to-date of $41.1 million, new commercial loan commitments reached $808 million compared to $659 million in 2024. Deposits increased by $635.5 million, driven by a $473.2 million build in public funds. The core net interest margin (NIM) was reported at 3.33%, with expectations of it remaining flat in the fourth quarter. For 2025, Univest anticipates net interest income growth of 12% to 14% and noninterest income growth of 1% to 3%, with noninterest expenses expected to increase by 2% to 3%. Additionally, provisions for credit losses are projected to be between $11 million and $13 million. The company remains focused on managing its loan-to-deposit ratio and maintaining a competitive stance in deposit pricing amidst a challenging market environment.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.75
Positive
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.70
Positive
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.80
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 491.49M | 500.41M | 448.55M | 330.08M | 292.95M | 282.27M |
| Gross Profit | 226.66M | 293.29M | 286.05M | 283.98M | 281.74M | 211.90M |
| EBITDA | 113.33M | 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 | 98.25M | 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
Positive
29.37
Price Trends
30.00
Negative
30.05
Negative
29.38
Positive
Market Momentum
-0.10
Negative
49.82
Neutral
35.12
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 29.37 is below the 20-day moving average (MA) of 29.39, below the 50-day MA of 30.00, and below the 200-day MA of 29.38, indicating a neutral trend. The MACD of -0.10 indicates Negative momentum. The RSI at 49.82 is Neutral, neither overbought nor oversold. The STOCH value of 35.12 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 40 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 | $810.91M | 16.69 | 19.19% | 0.72% | 17.98% | 14.35% | |
75 Outperform | $838.04M | 9.85 | 9.61% | 2.94% | 4.49% | 20.44% | |
69 Neutral | $670.92M | 7.91 | 19.62% | 0.04% | 33.22% | 38.44% | |
68 Neutral | $863.17M | 9.87 | 9.74% | 2.76% | 3.54% | 12.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $865.60M | 12.50 | 8.53% | 5.00% | -4.08% | -16.80% | |
54 Neutral | $707.71M | 10.82 | 7.21% | 2.03% | 15.37% | ― |
* Financial Sector Average
UVSP
Univest Of Pennsylvania
29.55
-1.29
-4.18%
NBN
Northeast Bancorp
85.25
-18.04
-17.46%
SBSI
Southside Bancshares
28.79
-6.40
-18.18%
FMBH
First Mid-Illinois Bancshares
36.82
-5.32
-12.62%
ESQ
Esquire Financial Holdings
97.04
22.23
29.71%
AMTB
Amerant Bancorp
17.09
-6.92
-28.82%
Univest Of Pennsylvania Corporate Events
Univest Financial Corporation Reports Strong Q3 2025 Earnings
Oct 24, 2025
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
Oct 24, 2025
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.
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.