UVSP
UNIVEST FINANCIAL Corp
Next earnings Jul 21, 2026 · consensus $0.88 EPS, $87.9M rev
Last earnings +2.1% on 2026-04-23
$44.13
▼ -0.14%$44.13▲ +48.14%
over 1Y
L $27.36H $44.40
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-0.1%
1W+1.5%
1M+10.7%
3M+26.8%
YTD+38.4%
1Y+48.1%
Hold
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 8 analysts
Sell
Well-run PA community bank with a strong 2025 earnings rebound, fairly priced at 14x — own it, don't chase it.
Diluted EPS $3.13 · FY2025
The read
Middling fundamentals offset by an attractive price (~126% below fair value) — worth a look on the value angle.
Univest is a $8.44B-asset Pennsylvania community bank (banking, wealth, insurance) that posted a clean FY2025: revenue $328M (+9.6%), net income $90.8M (+19.5%) and diluted EPS $3.13 (+21.3%). The balance sheet is sound for a bank — equity grew to $943M (+6.3%), cash ballooned to $554M (+68.4%), and the 7.94x liabilities/equity ratio is normal leverage for a depository, not a red flag. Management is returning capital aggressively: $34.6M of buybacks (+83.4%) shrank the share count 3.2%, plus $25.3M of dividends, both well covered by $102M of operating cash flow. At $44.19 the stock trades at 14.1x earnings and roughly 1.3x book (market cap $1.24B vs. $943M equity) — an undemanding multiple for a profitable, capital-returning franchise.
What keeps this a hold rather than a buy is the quality and durability of the earnings. ROE is only 9.6% — respectable but below the low-teens that distinguishes a truly strong bank. More telling, the revenue line was essentially flat for three years (FY2022 $296M, FY2023 $297M, FY2024 $299M) before jumping to $328M in 2025; that step-up looks rate/NII-driven and may not repeat as the rate environment normalizes. Net income only just exceeded its FY2021 level ($90.8M vs. $91.8M), so this is a recovery to prior peak, not secular growth.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 30, 2026, 6:47 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $0.00 | $296M | $297M | $299M | $328M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $91.8M | $78.1M | $71.1M | $75.9M | $90.8M |
| Diluted EPS | $3.11 | $2.64 | $2.41 | $2.58 | $3.13 |
| Net margin | — | 26.4% | 24.0% | 25.4% | 27.7% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF12.7
PEG (trailing)0.72
Earnings yield7.4%
FCF yield7.9%
Quality & risk
ROIC (est.)—
Free cash flow$96.9M
Total debt$175M
Net cash$379M
Piotroski F-Score7/7
Capital returns
Buyback yield2.8%
Dividend yield (est.)2.1%
Shareholder yield4.9%
Shares Δ YoY-3.2%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 10-Q Quarterly report2026-04-28
Q1 2026 (period 3/31): assets $8.4B, equity growing, credit quality stable
- 8-K Shareholder vote2026-04-24
Annual meeting vote results (5.07): directors elected, routine proposals ratified
- 8-K Earnings results2026-04-23
Q1 2026 earnings released; continues FY2025's double-digit earnings momentum
- 8-K Other event2026-04-02
Other-events disclosure (likely quarterly dividend declaration), routine
- DEF 14A Proxy statement2026-03-13
2026 proxy: board slate, exec comp and auditor up for shareholder vote
- 10-K Annual report2026-02-23
FY2025 10-K: revenue $328M (+9.6%), NI $90.8M (+19.5%), ROE 9.6%
- 8-K Other event2026-02-10
Other-events disclosure (dividend/capital action), no material change for holders
- 8-K Earnings results2026-01-29
FY2025 earnings: net income +19.5%, diluted EPS $3.13 (+21.3%)
- 8-K Other event2025-12-10
Other-events disclosure (likely dividend declaration), routine
Recent filings
all on EDGAR ↗4Period ending 2026-06-082026-06-09open ↗4Period ending 2026-06-082026-06-09open ↗4Period ending 2026-06-082026-06-09open ↗144Filing2026-06-08open ↗144Filing2026-06-08open ↗144Filing2026-06-08open ↗4Period ending 2026-05-052026-05-07open ↗SCHEDULE 13G/AFiling2026-05-06open ↗144Filing2026-05-05open ↗13F-HRPeriod ending 2026-03-312026-05-01open ↗SCHEDULE 13GFiling2026-04-30open ↗10-QPeriod ending 2026-03-312026-04-28open ↗
Frequently asked
- Is UNIVEST FINANCIAL Corp (UVSP) a buy?
- UVSP currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Well-run PA community bank with a strong 2025 earnings rebound, fairly priced at 14x — own it, don't chase it.
- What is UVSP's fair value?
- A Modified-Graham model based on UVSP's SEC fundamentals estimates a fair value of about $99.81. It is an estimate from reported earnings, not a price target.
- Is UVSP overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, UVSP currently appears undervalued relative to its SEC-grounded earnings power.
- What is UNIVEST FINANCIAL Corp's quality score?
- UVSP scores 79.5776774659702/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000102212, latest 10-Q filed 2026-04-28) · EODHD · Proprietary analysis · as of 6/30/2026, 10:47:15 AM.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.