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Company Analysis

Univest Financial Corporation UVSP

A comprehensive view of key metrics, scores, and financial health for Univest Financial Corporation

Overview of Univest Financial Corporation

UVSP NMS
Financial Services Banks - Regional Small Cap
Univest Financial Corporation (UVSP), is a Small Cap company, in the Banks - Regional industry, last closed at $32.72, about 2.6% undervalued vs fair value, +14.8% 1Y return, ranked 535/1004 in sector.
$32.72
-0.12%
As of March 13, 2026
Previous close • Vol 90d: 26.7%
52-Week Range
Market Cap
$928.40M
Enterprise Value
$755.03M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.univest.net
HQ Souderton, PA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$19
$34
$63
Current: $32.72 +3% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$430.5M
4.4%%
Interest Expense
$190.3M
Net Interest Income
$240.2M
13.7%%
Total Revenue
$518.3M
73.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.6%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$60.0M
79.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Univest Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
53
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing UVSP's balance between Growth (37.1%), Profitability (30.4%), and Safety (32.5%). Growth 37% Safety 33% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
58
Key Signals
Rev Growth YoY 73.2% 66p Revenue CAGR 3Y 20.5% 55p Asset Growth YoY 3.8% 50p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

47th percentile vs peers
48
Key Signals
Strengths
Risks
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Safety

51th percentile vs peers
51
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Univest Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$33.56
- - -
+2.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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