A Business at a Glance
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UNIVEST FINANCIAL Corp
UVSP
$1.3B
Mkt Cap
$44.10
-0.18%
UNIVEST FINANCIAL Corp (UVSP) has a current P/E ratio of 14.1, compared to its historical median P/E of 10.2. The stock is currently considered Fair based on its historical valuation range.
UNIVEST FINANCIAL Corp (UVSP) has a 5-year average return on invested capital (ROIC) of 9.9%. This is below average and may indicate limited pricing power.
UNIVEST FINANCIAL Corp (UVSP) has a market capitalization of $1.2B. It is classified as a small-cap stock.
Yes, UNIVEST FINANCIAL Corp (UVSP) pays a dividend with a trailing twelve-month yield of 2.07%. The company also returns capital through share buybacks, with a buyback yield of 3.24%.
Based on historical P/E analysis, UNIVEST FINANCIAL Corp (UVSP) appears fair. The current P/E of 14.1 is 38% above its historical median of 10.2. The estimated fair value CAGR (P/E method) is 6.8%.
UNIVEST FINANCIAL Corp (UVSP) operates in the State Commercial Banks industry, within the Financials sector.
UNIVEST FINANCIAL Corp (UVSP) reported annual revenue of $518 million in its most recent fiscal year, based on SEC EDGAR filings.
Item 1. Business The Corporation is a Pennsylvania corporation, organized in 1973, and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956. The Corporation owns all of the capital stock of Univest Bank and Trust Co. (the "Bank") and is the sole member of 1876 Double Eagle LLC. The consolidated financial statements include the accounts of the Corporation and its wholly owned subsidiaries, the Bank and 1876 Double Eagle LLC. The Corporation's and the Bank's headquarters are located at 14 North Main Street, Souderton, Pennsylvania 18964. At December 31, 2025, the Corporation had total assets of $8.4 billion, net loans and leases of $6.8 billion, total deposits of $7.1 billion and total shareholders' equity of $943.3 million. The Bank is a Pennsylvania state-chartered bank and trust company.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 336M | 518M | 500M | 449M | 330M | 293M |
| Net Income | 95M | 91M | 76M | 71M | 78M | 92M |
| EPS | $3.37 | $3.13 | $2.58 | $2.41 | $2.64 | $3.11 |
| Free Cash Flow | 105M | 97M | 72M | 83M | 104M | 96M |
| ROIC | 10.0% | 9.7% | 8.6% | 8.7% | 10.0% | 12.4% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.03 | 0.05 | 0.04 | 0.03 | 0.26 | 0.04 |
| Dividends/Share | $0.91 | $0.87 | $0.84 | $0.84 | $0.83 | $0.80 |
| Operating Income | 5.2M | 4.6M | 4.0M | 89M | 4.5M | 114M |
| Operating Margin | 1.6% | 0.9% | 0.8% | 19.8% | 1.4% | 39.0% |
| ROE | 10.0% | 9.9% | 8.8% | 8.8% | 10.1% | 12.5% |
| Shares Outstanding | 28M | 29M | 29M | 30M | 30M | 30M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 125M | 154M | 183M | 222M | 251M | 280M | 282M | 293M | 330M | 449M | 500M | 518M | 336M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 42M | 58M | 69M | 76M | 80M | 88M | 93M | 104M | 116M | 120M | 124M | 127M | 130M |
| EBIT | 1.2M | 37M | 23M | 62M | 61M | 80M | 6.0M | 114M | 4.5M | 89M | 4.0M | 4.6M | 5.2M |
| Op. Margin | 1.0% | 24.0% | 12.8% | 27.8% | 24.2% | 28.6% | 2.1% | 39.0% | 1.4% | 19.8% | 0.8% | 0.9% | 1.6% |
| Net Income | 22M | 27M | 20M | 44M | 51M | 66M | 47M | 92M | 78M | 71M | 76M | 91M | 95M |
| Net Margin | 17.9% | 17.7% | 10.7% | 19.8% | 20.2% | 23.5% | 16.6% | 31.3% | 23.7% | 15.9% | 15.2% | 17.5% | 28.4% |
| Non-Recurring | 40K | 1.6M | 1.7M | 0 | 571K | 0 | 1.4M | 0 | 184K | 1.5M | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 7.9% | 8.4% | 3.9% | 6.3% | 6.6% | 8.2% | 6.1% | 12.4% | 10.0% | 8.7% | 8.6% | 9.7% | 10.0% |
| ROE | 7.9% | 8.4% | 4.5% | 8.0% | 8.2% | 10.1% | 6.9% | 12.5% | 10.1% | 8.8% | 8.8% | 9.9% | 10.0% |
| ROA | 1.0% | 1.1% | 0.5% | 1.0% | 1.1% | 1.3% | 0.8% | 1.4% | 1.1% | 0.9% | 1.0% | 1.1% | 1.2% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 30M | 39M | 33M | 69M | 86M | 73M | 51M | 102M | 109M | 90M | 75M | 102M | 108M |
| Free Cash Flow | 24M | 33M | 21M | 65M | 82M | 69M | 47M | 96M | 104M | 83M | 72M | 97M | 105M |
| Owner Earnings | 25M | 34M | 27M | 60M | 78M | 66M | 45M | 94M | 101M | 80M | 65M | 91M | 61M |
| CapEx | 5.6M | 5.9M | 13M | 4.0M | 4.3M | 3.9M | 3.8M | 5.9M | 5.2M | 6.7M | 3.1M | 4.6M | 3.2M |
| Maint. CapEx | 3.2M | 3.8M | 4.1M | 5.6M | 5.6M | 5.3M | 4.8M | 4.7M | 4.5M | 5.1M | 5.5M | 5.5M | 42M |
| Growth CapEx | 2.4M | 2.1M | 8.6M | 0 | 0 | 0 | 0 | 1.2M | 756K | 1.7M | 0 | 0 | 0 |
| D&A | 3.2M | 3.8M | 4.1M | 5.6M | 5.6M | 5.3M | 4.8M | 4.7M | 4.5M | 5.1M | 5.5M | 5.5M | 42M |
| CapEx/OCF | 17.6% | 15.0% | 38.0% | 5.8% | 3.6% | 5.3% | 7.3% | 5.7% | 4.8% | 7.5% | 4.1% | 4.5% | 3.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 13M | 15M | 17M | 21M | 23M | 23M | 18M | 24M | 25M | 25M | 25M | 25M | 25M |
| Dividend Yield | 6.1% | 5.5% | 4.6% | 3.6% | 3.8% | 4.0% | 4.0% | 3.4% | 3.5% | 4.5% | 3.6% | 3.0% | 2.1% |
| Share Buybacks | 4.6M | 13M | 8.4M | 3.5M | 6.0M | 2.0M | 4.4M | 295K | 11M | 462K | 19M | 35M | 40M |
| Buyback Yield | 2.0% | 4.5% | 1.6% | 0.6% | 1.2% | 0.3% | 0.9% | 0.0% | 1.7% | 0.1% | 2.3% | 3.6% | 3.2% |
| Stock-Based Comp | 1.1M | 1.4M | 2.1M | 3.2M | 2.6M | 2.3M | 1.5M | 3.7M | 4.1M | 4.2M | 4.6M | 4.7M | 4.9M |
| Debt Repayment | 0 | 0 | 15M | 65M | 20M | 20M | 774K | 2.2M | 177M | 191M | 4.9M | 13M | 13M |
| Balance Sheet | |||||||||||||
| Net Debt | 29M | -37M | 266M | -206M | -103M | -203M | -411M | -1.2B | -299M | -576M | -655M | -882M | -192M |
| Cash & Equiv. | 13M | 61M | 58M | 75M | 109M | 125M | 220M | 890M | 153M | 250M | 329M | 554M | 222M |
| Long-Term Debt | 0 | 0 | 128M | 156M | 145M | 150M | 9.6M | 8.5M | 7.1M | 19M | 20M | 18M | 3.8M |
| Debt/Equity | 0.15 | 0.07 | 0.64 | 0.43 | 0.54 | 0.25 | 0.04 | 0.04 | 0.26 | 0.03 | 0.04 | 0.05 | 0.03 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 285M | 362M | 505M | 603M | 624M | 675M | 692M | 774M | 777M | 839M | 887M | 943M | 952M |
| Total Assets | 2.2B | 2.9B | 4.2B | 4.6B | 5.0B | 5.4B | 6.3B | 7.1B | 7.2B | 7.8B | 8.1B | 8.4B | 8.1B |
| Total Liabilities | 2.0B | 2.5B | 3.7B | 4.0B | 4.4B | 4.7B | 5.6B | 6.3B | 6.4B | 6.9B | 7.2B | 7.5B | 7.2B |
| Intangibles | 12M | 13M | 17M | 14M | 12M | 10M | 8.9M | 12M | 11M | 11M | 8.3M | 7.3M | 7.6M |
| Retained Earnings | 182M | 193M | 195M | 217M | 248M | 289M | 307M | 375M | 429M | 475M | 526M | 591M | 612M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.37 | 1.39 | 0.84 | 1.64 | 1.72 | 2.24 | 1.60 | 3.11 | 2.64 | 2.41 | 2.58 | 3.13 | 3.37 |
| Owner EPS | 1.56 | 1.74 | 1.17 | 2.23 | 2.65 | 2.23 | 1.53 | 3.18 | 3.41 | 2.73 | 2.21 | 3.15 | 2.18 |
| Book Value | 17.54 | 18.43 | 21.76 | 22.44 | 21.24 | 23.01 | 23.62 | 26.21 | 26.24 | 28.44 | 30.15 | 32.53 | 34.06 |
| Cash Flow/Share | 1.83 | 2.01 | 1.43 | 2.55 | 2.93 | 2.49 | 1.75 | 3.47 | 3.70 | 3.04 | 2.55 | 3.50 | 4.93 |
| Dividends/Share | 0.80 | 0.80 | 0.80 | 0.80 | 0.80 | 0.80 | 0.60 | 0.80 | 0.83 | 0.84 | 0.84 | 0.87 | 0.91 |
| Shares Out. | 16.2M | 19.6M | 23.2M | 26.9M | 29.4M | 29.3M | 29.3M | 29.5M | 29.6M | 29.5M | 29.4M | 29.0M | 27.9M |
| Valuation | |||||||||||||
| P/E Ratio | 10.1 | 10.8 | 27.6 | 13.3 | 9.8 | 9.7 | 10.8 | 8.4 | 8.7 | 8.6 | 11.0 | 10.6 | 13.1 |
| P/FCF | 9.3 | 8.8 | 26.0 | 9.0 | 6.1 | 9.2 | 10.7 | 8.0 | 6.5 | 7.4 | 11.6 | 9.9 | 11.8 |
| EV/EBIT | 155.2 | N/A | N/A | N/A | N/A | N/A | 33.0 | N/A | 104.8 | N/A | 95.8 | 56.3 | 199.5 |
| Price/Book | 0.8 | 0.8 | 1.1 | 1.0 | 0.8 | 0.9 | 0.7 | 1.0 | 0.9 | 0.7 | 0.9 | 1.0 | 1.3 |
| Price/Sales | 1.8 | 1.9 | 2.2 | 2.9 | 2.8 | 2.5 | 1.7 | 2.5 | 2.4 | 1.9 | 2.3 | 2.6 | 3.7 |
| FCF Yield | 10.7% | 11.4% | 3.8% | 11.1% | 16.5% | 10.9% | 9.4% | 12.5% | 15.3% | 13.6% | 8.6% | 10.1% | 8.5% |
| Market Cap | 225M | 294M | 538M | 585M | 495M | 638M | 507M | 771M | 683M | 612M | 837M | 961M | 1.2B |
| Avg. Price | 13.24 | 13.81 | 16.07 | 21.89 | 21.09 | 20.22 | 14.99 | 23.27 | 23.58 | 18.96 | 23.28 | 29.56 | 44.10 |
| Year-End Price | 13.89 | 14.97 | 23.16 | 21.77 | 16.83 | 21.73 | 17.29 | 26.11 | 23.07 | 20.75 | 28.43 | 33.15 | 44.10 |
UNIVEST FINANCIAL Corp passes 5 of 9 quality checks, suggesting mixed fundamentals.
UNIVEST FINANCIAL Corp trades at 14.1x trailing earnings, compared to its 15-year median P/E of 10.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 12.8x vs a median of 9.1x. The company's 5-year average ROIC is 9.9%. Total shareholder yield (dividends + buybacks) is 5.3%. At current prices, the estimated annualized return to fair value is +4.1%.
UNIVEST FINANCIAL Corp (UVSP) has a net profit margin of 17.5%. This is a healthy margin.
UNIVEST FINANCIAL Corp (UVSP) generated $97 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UNIVEST FINANCIAL Corp (UVSP) has a debt-to-equity ratio of 0.05. This indicates a conservatively financed balance sheet.
UNIVEST FINANCIAL Corp (UVSP) reported earnings per share (EPS) of $3.13 in its most recent fiscal year.
UNIVEST FINANCIAL Corp (UVSP) has a return on equity (ROE) of 9.9%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for UNIVEST FINANCIAL Corp (UVSP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UNIVEST FINANCIAL Corp (UVSP) has a book value per share of $32.53, based on its most recent annual SEC filing.
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