Univest Financial Corporation UVSP

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
59/100
Moderate

Ranked against 399 peers in Banks - Regional

About Univest Financial Corporation

Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking; Wealth Management; and Insurance. The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and … Full UVSP analysis →

Key strengths

  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.63).
  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.94).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
60
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where UVSP ranks in Banks - Regional

Univest Financial Corporation ranks #139 of 393 scored companies in Banks - Regional by moat score — the top 35%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
135 BayCom Corp BCML 59/100 Moderate
136 BV Financial, Inc. BVFL 59/100 Moderate
137 Capital Bancorp, Inc. CBNK 59/100 Moderate
138 Ohio Valley Banc Corp. OVBC 59/100 Moderate
139 Univest Financial Corporation UVSP 59/100 Moderate
140 USCB Financial Holdings, Inc. USCB 59/100 Moderate
141 Sterling Bancorp, Inc. SBT 59/100 Moderate
142 Banco De Chile BCH 59/100 Moderate
143 PFS PFS 59/100 Moderate

See every Banks & Lenders company ranked by moat score →

How UVSP scores on the Bank Specialized defenses

Deposit Franchise

Score 60 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 57 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 54 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 52 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 70 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 64 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding UVSP's moat

What is Univest Financial Corporation's moat score?

Univest Financial Corporation (UVSP) scores 59 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #139 of 393 scored companies in Banks - Regional, the top 35%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (70/100) and its weakest is Cost Discipline (52/100).

How does Univest Financial Corporation compare with other Banks - Regional companies?

Univest Financial Corporation ranks #139 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Ohio Valley Banc Corp. (OVBC) at 59 just above it and USCB Financial Holdings, Inc. (USCB) at 59 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Univest Financial Corporation scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Univest Financial Corporation?

The Bank Specialized template measures 6 defenses, and UVSP scores: Deposit Franchise (60), Lending Advantage (57), Capital Strength (54), Cost Discipline (52), Revenue Diversification (70), Risk Management (64). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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