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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 Framework: Banks & Lenders Small Cap
Univest Financial Corporation (UVSP), is a Small Cap company, in the Banks - Regional industry, last closed at $42.58, about 21.2% overvalued vs fair value, +46.6% 1Y return, ranked 542/1037 in sector.
Metrics Rev Growth 73.2% ROE 9.9% Gross Margin 61.0% Div Yield 2.72%
USD 42.58
1.33%
(Delayed)
• Vol 90d: 22.8%
52-Week Range
Market Cap
$1.17B
Enterprise Value
$996.73M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
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: $42.58 -21% 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

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$60.0M
66.1% 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
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
58
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing UVSP's balance between Growth (41.2%), Profitability (30.2%), and Safety (28.6%). Growth 41% Safety 29% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

60th percentile vs peers
61
Key Signals
NII Growth YoY 13.7% 83p Asset Growth YoY 3.8% 50p EPS Growth YoY 7.0% 53p Equity Growth YoY 5.7% 45p
Strengths
  • NII Growth YoY in top 20% of peers (13.7%, 83th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

44th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

41th percentile vs peers
42
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:

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  • 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
- - -
-21.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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