Univest Of Pennsylvania (UVSP) AI Stock Analysis

• Market Cap: $954.28M
• Dividend Yield: 2.59%
• Average Volume (3M): 117.86K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.83
• Revenue Growth: 4.49%
• EPS Growth: 20.44%
• Country: US
• Employees: 892
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.79
• Shares Outstanding: 28,083,532
• 10 Day Avg. Volume: 126,310
• 30 Day Avg. Volume: 117,864
• PEG Ratio: 0.49
• Price to Book (P/B): 1.00
• Price to Sales (P/S): 1.81
• P/FCF Ratio: 9.27
• Enterprise Value/Market Cap: 1.44
• Enterprise Value/Revenue: 2.66
• Enterprise Value/Gross Profit: 4.36
• Enterprise Value/Ebitda: 11.59
• 1Y Price Target: $35.50
• Price Target Upside: 1.25% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 3.26
• Revenue Forecast (FY): $339.92M

• Rating: 70 Outperform
• Price Target: $37.00 ▲(5.53% Upside)
• Action: Reiterated Date: 02/24/26
• Date: Action: Reiterated 02/24/26

The score is driven primarily by solid fundamentals (profitability and improving leverage) but held back by margin step-down versus prior peaks and cash flow volatility. Valuation is supportive with a modest P/E and dividend yield, while technicals are mixed with only modest near-term momentum. Earnings call guidance was constructive and buybacks are a positive, partially offset by deposit volatility, NIM pressure from excess liquidity, and higher provision outlook.

Positive Factors

Improving leverage and balance sheet resilience

Debt-to-equity falling to ~0.40 with rising equity and asset growth provides durable financial flexibility. Improved leverage supports lending, buybacks and capital buffers, reducing refinancing risk and strengthening the bank's ability to absorb credit or interest-rate shocks over the next several quarters.

Record profitability and earnings power

Record EPS reflects sustained profitability from diversified net interest and noninterest income streams. Strong earnings power supports reinvestment, dividends and buybacks, indicating the business model generates recurring profits that can persist through modest economic cycles.

Active capital return program

Material buybacks and an expanded authorization signal disciplined capital allocation and management confidence. With improving leverage and positive cash generation, returning capital via repurchases enhances EPS and ROE durability while demonstrating shareholder-aligned governance.

Negative Factors

NIM compression from excess liquidity

Excess liquidity-driven NIM compression is a structural headwind: prolonged elevated cash balances and public-fund swings dilute earning asset yields. Over months, this can press net interest margins, constrain net interest income growth and make returns more sensitive to deposit mix and ALM execution.

Deposit volatility and public funds outflows

Significant public-fund volatility forces frequent funding adjustments and creates persistent excess liquidity needing low-yield deployment or costly replacement. This raises funding-cost uncertainty, increases margin volatility and complicates stable loan growth over the coming quarters.

Higher provision and expense outlook

Elevated provision guidance signals a higher expected credit-cost baseline, which combined with rising noninterest expense, reduces net income durability. Higher provisions and expense growth can constrain capital allocation, limiting cushion for loans or buybacks during adverse cycles.

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

Solid profitability with renewed revenue growth into 2025 and improving leverage (debt-to-equity trending down), but earnings quality is tempered by materially lower margins versus 2021–2022 and volatile free cash flow with relatively low operating cash flow vs revenue.

Income Statement

Revenue has expanded over the period, accelerating in 2023 and still growing in 2024–2025, while profitability remains solid with healthy operating and net margins in the mid-to-high teens in 2024–2025. That said, margins have come down materially from the 2021–2022 peak, and earnings power appears more cyclical than steadily improving, which tempers the score despite the recent rebound in 2025.

Balance Sheet

Leverage looks controlled and improving, with debt-to-equity trending down to ~0.40 in 2025 from higher levels in 2022–2023, alongside rising equity and asset growth. Returns on equity are steady in the high-single to ~10% range, indicating consistent profitability. The main drawback is that leverage and returns are not best-in-class for the group, and the balance sheet has shown periods of higher leverage in recent years.

Cash Flow

Cash generation is positive and improved in 2025, with free cash flow matching net income (strong conversion) and free cash flow rebounding after declines in 2023–2024. However, free cash flow has been volatile year to year, and operating cash flow relative to revenue remains low, suggesting cash generation can fluctuate and is less predictable than the income statement implies.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	518.35M	500.41M	448.55M	330.08M	292.95M
Gross Profit	316.39M	293.29M	286.05M	283.98M	281.74M
EBITDA	119.82M	102.77M	93.33M	100.98M	117.52M
Net Income	90.76M	75.93M	71.10M	78.12M	91.80M
Balance Sheet
Total Assets	8.44B	8.13B	7.78B	7.22B	7.12B
Cash, Cash Equivalents and Short-Term Investments	0.00	337.12M	601.35M	503.06M	1.21B
Total Debt	380.34M	416.93M	499.92M	473.55M	247.43M
Total Liabilities	7.49B	7.24B	6.94B	6.45B	6.35B
Stockholders Equity	943.32M	887.30M	839.21M	776.50M	773.79M
Cash Flow
Free Cash Flow	96.93M	72.00M	83.02M	104.23M	96.46M
Operating Cash Flow	101.51M	75.11M	89.74M	109.45M	102.34M
Investing Cash Flow	-83.68M	-259.74M	-454.44M	-897.61M	-126.78M
Financing Cash Flow	207.04M	263.68M	461.69M	50.81M	694.73M

Univest Of Pennsylvania Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 35.06
• 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 Positive. The current price of 35.06 is above the 20-day moving average (MA) of 34.60, above the 50-day MA of 33.83, and above the 200-day MA of 30.98, indicating a bullish trend. The MACD of 0.33 indicates Positive momentum. The RSI at 55.82 is Neutral, neither overbought nor oversold. The STOCH value of 26.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UVSP.

Univest Of Pennsylvania Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ESQ	79 Outperform	$892.01M	17.74	19.19%	0.66%	17.98%	14.35%
FMBH	75 Outperform	$1.01B	10.95	9.74%	2.43%	3.54%	12.23%
UVSP	70 Outperform	$954.28M	10.85	9.61%	2.59%	4.49%	20.44%
SBSI	70 Outperform	$947.08M	13.76	8.53%	4.59%	-4.08%	-16.80%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NBN	65 Neutral	$899.09M	10.88	19.62%	0.04%	33.22%	38.44%
AMTB	56 Neutral	$888.86M	17.15	7.21%	1.79%	15.37%	―

Univest Of Pennsylvania Corporate Events

Univest Extends Exchange Offer for Subordinated Notes

On February 9, 2026, Univest Financial Corporation extended the expiration of its exchange offer for any and all outstanding 6.00% Fixed-to-Floating Subordinated Notes due 2035 that were issued in an unregistered offering on November 6, 2025. The new deadline moves from 5:00 p.m. Eastern on February 9 to 5:00 p.m. Eastern on February 11, 2026, allowing noteholders additional time to tender their old securities for newly registered notes with identical terms.

Univest said all other terms of the exchange offer remain unchanged, with UMB Bank, N.A. continuing to act as exchange agent for the transaction. The move is a procedural step in completing the registration of its subordinated debt, providing greater liquidity and transferability for holders while helping the company align its capital markets liabilities with securities law requirements.

The most recent analyst rating on (UVSP) stock is a Hold with a $36.00 price target. To see the full list of analyst forecasts on Univest Of Pennsylvania stock, see the UVSP Stock Forecast page.

Univest Of Pennsylvania 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.