Univest Financial Corporation

Univest Financial Corporation

UVSPยทNASDAQ

$39.03

-2.1%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$1.09B
EPS3.1600
P/E Ratio12.35
Earnings Date07/22/2026
Univest Financial Corporation

Univest Financial Corporation Fair Value Envelope

UVSP ยท NASDAQ

Our analysis suggests that UVSP has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $39.03, this represents a potential HIDDEN relative to our calculated worth for Univest Financial Corporation.

Intrinsic Value
Current Price: $39.03

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$19.6B
+ Cash & Equivalents$553.7M
Firm Value$20.1B
- Debt$351.8M
Equity Value$19.8B
/ Shares Outstanding28,910,876B
DCF Value$684
UNDERVALUED BY 1653%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$136.7M
$184.0M
$247.6M
$333.4M
$448.8M
$604.1M
$813.2M
$1.1B
$1.5B
$2.0B
Maintenance CapEx
-$1.2M
-$1.7M
-$2.2M
-$3.0M
-$4.1M
-$5.5M
-$7.3M
-$9.9M
-$13.3M
-$17.9M
Owner Earnings
$135.4M
$182.3M
$245.4M
$330.4M
$444.7M
$598.7M
$805.9M
$1.1B
$1.5B
$2.0B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$125.4M
$156.3M
$194.8M
$242.8M
$302.7M
$377.3M
$470.2M
$586.1M
$730.6M
$910.6M
Terminal Value represents 79.1% of Enterprise Value