Univest Of Pennsylvania (UVSP) AI Stock Analysis

• Market Cap: $933.15M
• Dividend Yield: 2.59%
• Average Volume (3M): 117.86K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.82
• 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: 126,310
• 30 Day Avg. Volume: 117,864
• 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: 1.25
• Enterprise Value/Revenue: 2.28
• Enterprise Value/Gross Profit: 3.78
• Enterprise Value/Ebitda: 10.35
• 1Y Price Target: $34.00
• Price Target Upside: 1.40% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $39.00 ▲(16.31% 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.

Positive Factors

Revenue Growth

The robust revenue growth rate indicates Univest's successful expansion and market penetration, which can lead to sustained profitability and competitive positioning.

Capital Structure Enhancement

The strategic issuance of subordinated notes improves Univest's capital structure, increasing financial stability and regulatory capital, which supports long-term growth.

Deposit Growth

Significant deposit growth strengthens Univest's funding base, providing more resources for lending and investment, which can enhance future revenue streams.

Negative Factors

Loan Contraction

The contraction in loan outstandings suggests challenges in loan growth, which may impact future interest income and limit expansion opportunities.

Rising Noninterest Expenses

Increased noninterest expenses can pressure profit margins, reducing operational efficiency and potentially impacting long-term profitability.

Declining Gross Profit Margin

The decline in gross profit margin indicates rising costs or pricing pressures, which could affect Univest's ability to maintain profitability if not addressed.

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 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 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: Neutral
• Last Price: 33.53
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UVSP, the sentiment is Neutral. The current price of 33.53 is above the 20-day moving average (MA) of 33.31, above the 50-day MA of 32.35, and above the 200-day MA of 30.20, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 47.85 is Neutral, neither overbought nor oversold. The STOCH value of 39.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UVSP.

Univest Of Pennsylvania Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NBN	79 Outperform	$893.66M	10.53	19.62%	0.04%	33.22%	38.44%
ESQ	79 Outperform	$900.15M	18.47	19.19%	0.66%	17.98%	14.35%
UVSP	76 Outperform	$933.15M	10.97	9.61%	2.59%	4.49%	20.44%
FMBH	75 Outperform	$970.71M	11.11	9.74%	2.43%	3.54%	12.23%
SBSI	74 Outperform	$957.00M	13.82	8.53%	4.59%	-4.08%	-16.80%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AMTB	67 Neutral	$844.71M	12.91	7.21%	1.79%	15.37%	―

Univest Of Pennsylvania Corporate Events

Univest Of Pennsylvania Increases Share Repurchase Program

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.

The most recent analyst rating on (UVSP) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on Univest Of Pennsylvania stock, see the UVSP Stock Forecast page.

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.