Univest Of Pennsylvania (UVSP) AI Stock Analysis

• Market Cap: $855.14M
• Dividend Yield: 2.89%
• Average Volume (3M): 110.89K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.96
• Revenue Growth: 5.97%
• EPS Growth: 12.97%
• Country: US
• Employees: 892
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.69
• Shares Outstanding: 28,880,154
• 10 Day Avg. Volume: 113,305
• 30 Day Avg. Volume: 110,890
• PEG Ratio: 3.55
• Price to Book (P/B): 0.94
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.24
• Enterprise Value/Market Cap: 1.32
• Enterprise Value/Revenue: 0.70
• Enterprise Value/Gross Profit: 2.80
• Enterprise Value/Ebitda: 3.75
• 1Y Price Target: $33.00
• Price Target Upside: 11.45% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 62 Neutral
• Price Target: $31.00 ▲(4.69%Upside)

Univest of Pennsylvania's overall stock score reflects strong financial performance and strategic growth potential. However, the technical analysis suggests bearish market sentiment, and valuation metrics indicate moderate attractiveness. Earnings call concerns and corporate event positivity balance the outlook.

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. 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 Money

Univest 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 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.

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.

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.

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

• Technical Analysis Sentiment: Negative
• Last Price: 29.61
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UVSP, the sentiment is Negative. The current price of 29.61 is below the 20-day moving average (MA) of 31.44, below the 50-day MA of 30.42, and above the 200-day MA of 29.45, indicating a bearish trend. The MACD of 0.08 indicates Positive momentum. The RSI at 37.30 is Neutral, neither overbought nor oversold. The STOCH value of 17.04 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UVSP.

Univest Of Pennsylvania Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BHRB	79 Outperform	$951.64M	18.50	14.19%	3.44%	181.68%	28.82%
AMAL	76 Outperform	$933.29M	9.94	14.78%	1.73%	6.94%	3.96%
SBSI	76 Outperform	$926.36M	10.64	10.65%	4.78%	3.54%	4.48%
FMBH	75 Outperform	$933.65M	11.56	9.87%	2.47%	5.18%	13.05%
HFWA	72 Outperform	$792.95M	16.83	5.69%	4.01%	6.92%	13.94%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%
UVSP	62 Neutral	$855.14M	10.81	9.02%	2.89%	5.97%	12.97%

Univest Of Pennsylvania Corporate Events

Univest Financial Reports Q2 Earnings Increase

On July 23, 2025, Univest Financial Corporation announced its second-quarter results, reporting a net income of $20.0 million, an increase from the previous year’s $18.1 million. Despite a decrease in gross loans and deposits, the company saw an increase in net interest income and margin due to higher loan balances and yields on interest-earning assets. Noninterest income also rose, driven by gains on Small Business Administration loans and increased service charges. However, the company faced challenges with a significant charge-off due to a commercial loan placed on nonaccrual status. Univest declared a quarterly cash dividend and continued its share repurchase plan.

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.

Univest Of Pennsylvania Shares Strategic Growth Plans

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.