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Financial Services - Banks - Regional - NASDAQ - US
$ 29.05
0.798 %
$ 839 M
Market Cap
10.92
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one UVSP stock under the worst case scenario is HIDDEN Compared to the current market price of 29.1 USD, Univest Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one UVSP stock under the base case scenario is HIDDEN Compared to the current market price of 29.1 USD, Univest Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one UVSP stock under the best case scenario is HIDDEN Compared to the current market price of 29.1 USD, Univest Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart UVSP

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$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
500 M REVENUE
11.56%
95.3 M OPERATING INCOME
7.45%
75.9 M NET INCOME
6.79%
75.1 M OPERATING CASH FLOW
-16.31%
-260 M INVESTING CASH FLOW
42.84%
264 M FINANCING CASH FLOW
-42.89%
126 M REVENUE
-2.31%
27.6 M OPERATING INCOME
15.96%
22.4 M NET INCOME
18.24%
15.6 M OPERATING CASH FLOW
-44.36%
-3.1 M INVESTING CASH FLOW
97.03%
-172 M FINANCING CASH FLOW
-73.24%
Balance Sheet Univest Financial Corporation
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Current Assets 628 M
Cash & Short-Term Investments 337 M
Receivables 279 M
Other Current Assets 12.5 M
Non-Current Assets 7.5 B
Long-Term Investments 7 B
PP&E 75.2 M
Other Non-Current Assets 425 M
4.15 %3.43 %86.12 %5.23 %Total Assets$8.1b
Current Liabilities 6.82 B
Accounts Payable 31.4 M
Short-Term Debt 11.2 M
Other Current Liabilities 6.78 B
Non-Current Liabilities 416 M
Long-Term Debt 406 M
Other Non-Current Liabilities 10.4 M
93.66 %5.60 %Total Liabilities$7.2b
EFFICIENCY
Earnings Waterfall Univest Financial Corporation
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Revenue 500 M
Cost Of Revenue 207 M
Gross Profit 293 M
Operating Expenses 198 M
Operating Income 95.3 M
Other Expenses 19.4 M
Net Income 75.9 M
600m600m500m500m400m400m300m300m200m200m100m100m00500m(207m)293m(198m)95m(19m)76mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
58.61% GROSS MARGIN
58.61%
19.04% OPERATING MARGIN
19.04%
15.17% NET MARGIN
15.17%
8.56% ROE
8.56%
0.93% ROA
0.93%
5.78% ROIC
5.78%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Univest Financial Corporation
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120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 75.9 M
Depreciation & Amortization 7.47 M
Capital Expenditures -3.1 M
Stock-Based Compensation 4.62 M
Change in Working Capital -8.22 M
Others -3.42 M
Free Cash Flow 72 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Univest Financial Corporation
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Wall Street analysts predict an average 1-year price target for UVSP of $24 , with forecasts ranging from a low of $24 to a high of $24 .
UVSP Lowest Price Target Wall Street Target
24 USD -17.38%
UVSP Average Price Target Wall Street Target
24 USD -17.38%
UVSP Highest Price Target Wall Street Target
24 USD -17.38%
Price
Max Price Target
Min Price Target
Average Price Target
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4. DIVIDEND ANALYSIS
0.78% DIVIDEND YIELD
0.22 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.900.900.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.20.20.20.20.20.20.20.20.210.210.210.20.20.20.20.20.20.20.210.210.210.220.20.20.20.20.20.20.20.210.210.210.20.800.20.800.20.800.20.800.20.800.20.800.210.810.210.830.210.840.630.432015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership Univest Financial Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
602 K USD 2
Bought
21 K USD 1
0-3 MONTHS
54.4 K USD 2
3-6 MONTHS
15.9 K USD 1
6-9 MONTHS
16.8 K USD 1
9-12 MONTHS
7. News
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Univest (UVSP) have what it takes? zacks.com - 3 weeks ago
Best Value Stocks to Buy for June 11th SSUMY and UVSP made it to the Zacks Rank #1 (Strong Buy) value stocks list on June 11, 2025. zacks.com - 3 weeks ago
Best Income Stocks to Buy for June 11th UVSP, SSUMY and BAESY made it to the Zacks Rank #1 (Strong Buy) income stocks list on June 11, 2025. zacks.com - 3 weeks ago
Univest (UVSP) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Univest (UVSP) have what it takes? zacks.com - 1 month ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Univest (UVSP) have what it takes? zacks.com - 1 month ago
Buy These 3 Stocks That Declared Dividend Hikes Amid Market Volatility UVSP, ACNB and QCOM recently announced dividend hikes. zacks.com - 2 months ago
Univest Financial Corporation (UVSP) Q1 2025 Earnings Call Transcript Univest Financial Corporation (NASDAQ:UVSP ) Q1 2025 Earnings Conference Call April 24, 2025 9:00 AM ET Company Participants Jeff Schweitzer - Chairman, President & Chief Executive Officer Brian Richardson - Chief Financial Officer Conference Call Participants Frank Schiraldi - Piper Sandler Operator Good morning all, and thank you for joining us for the Univest Financial Corporation First Quarter 2025 Earnings Call. My name is Carly, and I'll be coordinating the call today. seekingalpha.com - 2 months ago
Univest (UVSP) Beats Q1 Earnings and Revenue Estimates Univest (UVSP) came out with quarterly earnings of $0.77 per share, beating the Zacks Consensus Estimate of $0.64 per share. This compares to earnings of $0.60 per share a year ago. zacks.com - 2 months ago
Univest Financial Corporation Reports First Quarter Results SOUDERTON, Pa., April 23, 2025 (GLOBE NEWSWIRE) -- Univest Financial Corporation (“Univest” or the "Corporation") (NASDAQ: UVSP), parent company of Univest Bank and Trust Co. (the "Bank") and its insurance, investments and equipment financing subsidiaries, announced net income for the quarter ended March 31, 2025 of $22.4 million, or $0.77 diluted earnings per share, compared to net income of $20.3 million, or $0.69 diluted earnings per share, for the quarter ended March 31, 2024. globenewswire.com - 2 months ago
Univest Financial Corporation to Hold First Quarter 2025 Earnings Call SOUDERTON, Pa., April 07, 2025 (GLOBE NEWSWIRE) -- Univest Financial Corporation (Nasdaq: UVSP), parent company of Univest Bank and Trust Co. and its insurance, investment and equipment finance subsidiaries, announced it will host a conference call to discuss its first quarter 2025 earnings on Thursday, April 24, 2025 at 9:00 a.m. Earnings are scheduled to be released after the close of the market on Wednesday, April 23, 2025. globenewswire.com - 2 months ago
Best Income Stocks to Buy for April 1st FRO, IX and UVSP made it to the Zacks Rank #1 (Strong Buy) income stocks list on April 1, 2025. zacks.com - 3 months ago
New Strong Buy Stocks for March 28th NATL, BGC, CCNE, FRME and UVSP have been added to the Zacks Rank #1 (Strong Buy) List on March 28, 2025. zacks.com - 3 months ago
8. Profile Summary

Univest Financial Corporation UVSP

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 839 M
Dividend Yield 0.78%
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.
Contact 14 North Main Street, Souderton, PA, 18964 https://www.univest.net
IPO Date April 16, 1998
Employees 892
Officers Mr. Brian J. Richardson CPA Senior Executive Vice President & Chief Financial Officer Ms. Karen Elizabeth Tejkl Senior Vice President Mr. Michael S. Keim CPA Senior EVice President & Chief Operating Officer Ms. Megan Duryea Santana Esq. Senior EVice President, Chief Risk Officer, General Counsel & Corporate Secretary Mr. Patrick C. McCormick Senior EVice President & Chief Commercial Banking Officer of Univest Bank and Trust Co. Ms. Annette D. Szygiel Chief Experience Officer & Executive Vice President Mr. Craig Portner Senior Vice President & Relationship Manager Ms. Nicole Heverly Senior Vice President & Director of Corporate Communications Ms. M. Theresa Fosko Executive Vice President & Chief Human Resources Officer Mr. Jeffrey M. Schweitzer CPA Chairman, President & Chief Executive Officer