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Univest Corporation Of Pennsylvania (UVSP)
NASDAQ:UVSP
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Univest Of Pennsylvania
(NASDAQ:UVSP)
Rating:69Neutral
Price Target:
$33.00
â–²(0.92%Upside)
Univest Of Pennsylvania (UVSP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$944.38M
Dividend Yield2.69%
Average Volume (3M)104.66K
Price to Earnings (P/E)12.3
Beta (1Y)0.99
Revenue Growth7.16%
EPS Growth12.20%
CountryUS
Employees892
SectorFinancial
Sector Strength82
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.77
Shares Outstanding28,880,154
10 Day Avg. Volume134,584
30 Day Avg. Volume104,663
Financial Highlights & Ratios
PEG Ratio3.55
Price to Book (P/B)0.94
Price to Sales (P/S)0.00
P/FCF Ratio10.24
Enterprise Value/Market Cap1.20
Enterprise Value/Revenue0.70
Enterprise Value/Gross Profit2.80
Enterprise Value/Ebitda3.75
Forecast
1Y Price Target
$32.00Price Target Upside-2.14% Downside
Rating ConsensusHold
Number of Analyst Covering2
Univest Of Pennsylvania Business Overview & Revenue Model
Company DescriptionUnivest 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. The Banking segment provides a range of banking services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking, and equipment lease financing services for individuals, businesses, municipalities, and nonprofit organizations. The Wealth Management segment offers investment advisory, financial planning, and trust and brokerage services for private families and individuals, municipal pension plans, retirement plans, and trusts and guardianships. The Insurance segment provides commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. It serves customers primarily in Bucks, Berks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and York counties in Pennsylvania; and Atlantic, Burlington, and Cape May counties in New Jersey through 37 banking offices. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.
How the Company Makes MoneyUnivest Financial Corporation generates revenue through a diversified financial services model. Its primary revenue streams include interest income from loans and investment securities, as well as non-interest income from fees and commissions related to wealth management, trust services, and insurance operations. The company benefits from a robust loan portfolio, which encompasses commercial, residential, and consumer loans. Additionally, Univest enhances its earnings through strategic partnerships and acquisitions that expand its service offerings and client base, while maintaining a strong focus on community banking principles to foster customer loyalty and retention.
Univest Of Pennsylvania Earnings Call Summary
Earnings Call Date:Apr 23, 2025
(Q1-2025)
| % Change Since: 15.79%|
Next Earnings Date:Jul 23, 2025
Earnings Call Sentiment Neutral
The earnings call for Univest Financial Corporation presented a mixed outlook. Key achievements included a strong start to the fiscal year, improved net interest margin, and an increase in dividends, reflecting a positive operational performance. However, challenges were noted in the form of decreased non-interest income and deposit levels, and a provision for credit losses, which could indicate future challenges. Despite these issues, the company remains optimistic about navigating the uncertain economic environment.Q1-2025 Updates
Positive Updates
Solid Start to Fiscal Year 2025
Univest Financial Corporation reported net income of $22.4 million for the first quarter, or $0.77 per share, indicating a strong start to the fiscal year despite economic uncertainties.
Improved Net Interest Margin
The net interest margin improved to 3.09% during the quarter from 2.88% in the previous quarter, reflecting better loan pricing discipline.
Increase in Quarterly Dividend
The Board of Directors announced a $0.01 increase in the quarterly dividend to $0.22 per share.
Continued Share Repurchases
Univest repurchased 221,760 shares of stock during the quarter and plans to continue share buybacks.
Strong Credit Quality
Credit quality remained strong with non-performing assets to total assets at 43 basis points and net charge-offs low at 10 basis points annualized.
Negative Updates
Decrease in Non-Interest Income
Non-interest income decreased by $3.2 million or 12.4% compared to the first quarter of 2024, primarily due to non-recurring gains in the prior year.
Deposit Decrease
Deposits decreased by $100.8 million during the quarter, attributed predominantly to the seasonal decline of public funds deposits.
Provision for Credit Losses
A provision for credit losses of $2.3 million was recorded during the quarter, indicating potential future concerns in credit quality.
Decreased Contingent Income in Insurance
Contingent income in the insurance line decreased by $700,000 compared to the first quarter of 2024.
Company Guidance
During the Univest Financial Corporation's first quarter 2025 earnings call, several key metrics and guidance points were highlighted. The company reported net income of $22.4 million, or $0.77 per share, despite economic uncertainties. Loan growth was modest, with net growth of $6.5 million, impacted by larger payoffs, while deposits decreased by $100.8 million due to a seasonal decline in public funds. The net interest margin (NIM) improved to 3.09%, up from 2.88% in the previous quarter, with core NIM excluding excess liquidity at 3.12%. Non-performing assets to total assets increased slightly to 43 basis points, and net charge-offs remained low at 10 basis points annualized. The company recorded a provision for credit losses of $2.3 million, maintaining a coverage ratio of 1.28%. Non-interest income decreased by 12.4% compared to the prior year, while noninterest expense decreased by 1.5%. The board announced a $0.01 increase in the quarterly dividend to $0.22 per share, and 221,760 shares were repurchased. Guidance for 2025 remains consistent, with fee income growth expected in the 4% to 6% range. The company targets a loan-to-deposit ratio of 95% to 105% over time, and potential stock buybacks will be considered based on excess capital and regulatory capital projections.Univest Of Pennsylvania Financial Statement Overview
Summary
Univest of Pennsylvania exhibits strong revenue growth, robust profit margins, and effective cash flow conversion. However, it faces challenges with operating margin volatility and increasing liabilities, which need to be addressed for sustained financial health.Income Statement
Univest of Pennsylvania shows a strong revenue growth trajectory with a significant increase from 2023 to TTM 2025. Gross and net profit margins are robust, indicating efficiency in operations and cost management. However, fluctuating EBIT and EBITDA margins suggest some volatility in operating performance.75
Positive
Balance Sheet
The company maintains a healthy equity base with a moderate debt-to-equity ratio, indicating a relatively stable financial structure. The equity ratio is consistent, suggesting prudent asset management, but a slight increase in liabilities could pose future risks.70
Positive
Cash Flow
Operating cash flow is consistently positive, supporting net income effectively. However, the free cash flow growth rate is inconsistent, reflecting potential volatility in cash management. The cash flow to net income ratios are favorable, indicating good cash conversion efficiency.68
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 349.91M | 299.23M | 286.05M | 296.18M | 271.61M | 252.69M |
| Gross Profit | 403.40M | 299.23M | 286.05M | 296.18M | 271.61M | 252.69M |
| EBITDA | 48.50M | 0.00 | 1.35M | -2.28M | 119.97M | -2.23M |
| Net Income | 78.02M | 75.93M | 71.10M | 78.12M | 91.80M | 46.92M |
Balance Sheet | ||||||
| Total Assets | 7.80B | 8.13B | 7.78B | 7.22B | 7.12B | 6.34B |
| Cash, Cash Equivalents and Short-Term Investments | -72.81M | 210.11M | 249.80M | 503.06M | 1.21B | 438.50M |
| Total Debt | 499.92M | 405.75M | 493.61M | 473.55M | 227.33M | 331.20M |
| Total Liabilities | 6.96B | 7.24B | 6.94B | 6.45B | 6.35B | 5.64B |
| Stockholders Equity | 839.21M | 887.30M | 839.21M | 776.50M | 773.79M | 692.47M |
Cash Flow | ||||||
| Free Cash Flow | 82.84M | 72.00M | 83.02M | 104.23M | 96.46M | 47.43M |
| Operating Cash Flow | 78.67M | 75.11M | 89.74M | 109.45M | 102.34M | 51.18M |
| Investing Cash Flow | -261.52M | -259.74M | -454.44M | -897.61M | -126.78M | -867.39M |
| Financing Cash Flow | 136.74M | 263.68M | 461.69M | 50.81M | 694.73M | 910.94M |
Univest Of Pennsylvania Technical Analysis
Positive
32.70
Price Trends
29.91
Positive
29.18
Positive
29.12
Positive
Market Momentum
0.52
Negative
70.30
Negative
91.16
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 32.7 is above the 20-day moving average (MA) of 29.93, above the 50-day MA of 29.91, and above the 200-day MA of 29.12, indicating a bullish trend. The MACD of 0.52 indicates Negative momentum. The RSI at 70.30 is Negative, neither overbought nor oversold. The STOCH value of 91.16 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 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
Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $1.02B | 9.89 | 15.41% | 1.68% | 10.80% | 10.48% | |
75 Outperform | $952.60M | 11.80 | 9.65% | 2.42% | 10.25% | 8.73% | |
75 Outperform | $958.40M | 18.20 | 10.71% | 3.49% | 181.68% | 28.82% | |
72 Outperform | $942.68M | 10.72 | 11.03% | 4.62% | 9.34% | 8.12% | |
69 Neutral | $944.38M | 12.27 | 8.93% | 2.69% | 7.16% | 12.20% | |
67 Neutral | $17.01B | 11.90 | 9.70% | 3.76% | 11.63% | -9.47% | |
66 Neutral | $873.44M | 17.26 | 5.95% | 3.75% | 9.12% | 11.62% |
* Financial Sector Average
Performance Comparison
UVSP
Univest Of Pennsylvania
32.70
10.84
49.59%
HFWA
Heritage Financial
25.61
9.03
54.46%
SBSI
Southside Bancshares
31.20
5.74
22.55%
FMBH
First Mid-Illinois Bancshares
39.71
8.26
26.26%
AMAL
Amalgamated Bank
33.35
7.66
29.82%
BHRB
Burke & Herbert Bank & Company
63.87
17.81
38.67%
Univest Of Pennsylvania Corporate Events
Business Operations and StrategyFinancial Disclosures
Univest Of Pennsylvania Shares Strategic Growth Plans
Positive
Jun 12, 2025
On June 12, 2025, Univest Financial Corporation distributed a slide presentation to analysts and investors detailing its operating and growth strategies, as well as financial performance. The presentation highlighted the company’s strategic focus on maintaining strong financial health and leveraging its market position as a leading diversified financial institution in Pennsylvania. This move is expected to reinforce Univest’s commitment to transparency and strategic growth, potentially impacting its stakeholders positively by outlining clear future directions and financial stability.
The most recent analyst rating on (UVSP) stock is a Hold with a $24.00 price target. To see the full list of analyst forecasts on Univest Of Pennsylvania stock, see the UVSP Stock Forecast page.
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.