Education
About Us
Working with TipRanks
Follow Us
Univest Corporation Of Pennsylvania (UVSP)
NASDAQ:UVSP
Top Page
Univest Of Pennsylvania
(NASDAQ:UVSP)
Select Model
Select Model
Rating:76Outperform
Price Target:
$39.00
▲(32.79% Upside)
Univest Of Pennsylvania's stock is rated positively due to strong financial performance and technical indicators. The company's strategic corporate actions further bolster its position, despite some challenges in loan growth and expenses.
Univest Of Pennsylvania (UVSP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$967.32M
Dividend Yield2.59%
Average Volume (3M)117.86K
Price to Earnings (P/E)11.2
Beta (1Y)0.82
Revenue Growth4.49%
EPS Growth20.44%
CountryUS
Employees892
SectorN/A
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.89
Shares Outstanding28,475,714
10 Day Avg. Volume126,310
30 Day Avg. Volume117,864
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 Cap1.21
Enterprise Value/Revenue2.28
Enterprise Value/Gross Profit3.78
Enterprise Value/Ebitda10.35
Forecast
1Y Price Target
$34.00Price Target Upside15.76% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
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 holding company that offers a variety of banking and financial solutions. The company operates primarily through its subsidiary, Univest Bank and Trust Co., providing services such as commercial and retail banking, investment management, and insurance products. Univest caters to individuals, businesses, and municipalities, focusing on delivering personalized financial services and fostering community relationships across Pennsylvania and in select markets.
How the Company Makes MoneyUnivest generates revenue through multiple streams primarily focused on interest income and non-interest income. Key revenue streams include net interest income from loans and investment securities, which constitutes a significant portion of the company's earnings. Additionally, Univest earns non-interest income through fees for services such as wealth management, trust services, insurance, and retail banking services. The company may also benefit from strategic partnerships with other financial institutions and businesses to enhance its product offerings and reach a broader customer base, contributing to its overall profitability.
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
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown |
|---|
Income Statement |
| Total Revenue |
| Gross Profit |
| EBITDA |
| Net Income |
Balance Sheet |
| Total Assets |
| Cash, Cash Equivalents and Short-Term Investments |
| Total Debt |
| Total Liabilities |
| Stockholders Equity |
Cash Flow |
| Free Cash Flow |
| Operating Cash Flow |
| Investing Cash Flow |
| Financing Cash Flow |
Univest Of Pennsylvania Technical Analysis
Positive
29.37
Price Trends
31.37
Positive
30.75
Positive
29.85
Positive
Market Momentum
0.84
Positive
54.47
Neutral
18.57
Positive
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 33.67, below the 50-day MA of 31.37, and below the 200-day MA of 29.85, indicating a neutral trend. The MACD of 0.84 indicates Positive momentum. The RSI at 54.47 is Neutral, neither overbought nor oversold. The STOCH value of 18.57 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UVSP.
Univest Of Pennsylvania Peers Comparison
UnderperformOutperform
Sector (―)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | ― | ― | ― | ― | ― | ― | |
79 Outperform | $978.39M | 11.10 | 9.74% | 2.40% | 3.54% | 12.23% | |
79 Outperform | $911.54M | 18.58 | 19.19% | 0.66% | 17.98% | 14.35% | |
76 Outperform | $967.32M | 11.22 | 9.61% | 2.59% | 4.49% | 20.44% | |
74 Outperform | $950.69M | 13.63 | 8.53% | 4.55% | -4.08% | -16.80% | |
73 Outperform | $840.58M | 12.71 | 7.21% | 1.79% | 15.37% | ― | |
69 Neutral | $857.20M | 10.03 | 19.62% | 0.04% | 33.22% | 38.44% |
* Sector Average
UVSP
Univest Of Pennsylvania
33.54
4.54
15.66%
NBN
Northeast Bancorp
106.65
13.79
14.85%
SBSI
Southside Bancshares
31.39
0.64
2.08%
FMBH
First Mid-Illinois Bancshares
40.41
3.64
9.90%
ESQ
Esquire Financial Holdings
105.70
27.17
34.60%
AMTB
Amerant Bancorp
20.15
-2.06
-9.28%
Univest Of Pennsylvania Corporate Events
Stock Buyback
Univest Of Pennsylvania Increases Share Repurchase Program
Positive
Dec 10, 2025
On December 10, 2025, Univest Financial Corporation’s Board of Directors approved an increase of 2,000,000 shares for repurchase, representing about 7.1% of the company’s outstanding common stock as of November 30, 2025. This move follows the previous authorization in October 2024, where 1,000,000 additional shares were approved, and approximately 577,000 shares have already been repurchased, leaving 2,423,000 shares available for future repurchase.
Private Placements and FinancingBusiness Operations and Strategy
Univest Completes $50M Subordinated Notes Placement
Positive
Nov 6, 2025
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.
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.