Univest Of Pennsylvania (UVSP) AI Stock Analysis

• Market Cap: $884.03M
• Dividend Yield: 2.82%
• Average Volume (3M): 102.22K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.96
• Revenue Growth: 5.94%
• EPS Growth: 12.97%
• Country: US
• Employees: 892
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.69
• Shares Outstanding: 28,805,204
• 10 Day Avg. Volume: 98,900
• 30 Day Avg. Volume: 102,220
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.34
• Enterprise Value/Revenue: 2.32
• Enterprise Value/Gross Profit: 3.96
• Enterprise Value/Ebitda: 11.32
• 1Y Price Target: $34.00
• Price Target Upside: 11.00% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 74 Outperform
• Price Target: $35.00 ▲(14.27% Upside)

Univest Of Pennsylvania's stock score reflects its solid financial performance and attractive valuation, which are the most significant factors. The technical analysis supports a positive trend, although the mixed sentiment from the earnings call highlights some challenges. Overall, the stock is well-positioned within its industry, with opportunities for growth and income.

Univest Of Pennsylvania Business Overview & Revenue Model

Company 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.

How the Company Makes Money

Univest generates revenue through multiple key streams, primarily from interest income earned on loans and investments, as well as non-interest income from fees associated with banking services, investment management, and insurance products. The company's loan portfolio, which includes commercial, residential, and consumer loans, is a significant source of interest income. Additionally, Univest earns fees through service charges on deposit accounts, transaction fees, and advisory fees from wealth management services. Strategic partnerships with other financial institutions and businesses also contribute to its earnings by expanding service offerings and customer reach.

Univest Of Pennsylvania Financial Statement Overview

Summary

Univest of Pennsylvania demonstrates strong revenue growth and effective profitability management, with a stable balance sheet and efficient cash flow conversion. However, attention is needed on operating margin volatility and managing liabilities to sustain long-term financial health.

Income Statement

Univest of Pennsylvania shows a strong revenue growth trajectory with a significant increase from 2023 to TTM 2025. Gross and net profit margins are robust, indicating efficiency in operations and cost management. However, fluctuating EBIT and EBITDA margins suggest some volatility in operating performance.

Balance Sheet

The company maintains a healthy equity base with a moderate debt-to-equity ratio, indicating a relatively stable financial structure. The equity ratio is consistent, suggesting prudent asset management, but a slight increase in liabilities could pose future risks.

Cash Flow

Operating cash flow is consistently positive, supporting net income effectively. However, the free cash flow growth rate is inconsistent, reflecting potential volatility in cash management. The cash flow to net income ratios are favorable, indicating good cash conversion efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	508.43M	500.41M	448.55M	330.08M	292.95M	282.27M
Gross Profit	298.60M	293.29M	286.05M	283.98M	281.74M	211.90M
EBITDA	104.39M	102.77M	93.33M	100.98M	117.52M	61.90M
Net Income	79.89M	75.93M	71.10M	78.12M	91.80M	46.92M
Balance Sheet
Total Assets	7.94B	8.13B	7.78B	7.22B	7.12B	6.34B
Cash, Cash Equivalents and Short-Term Investments	169.16M	337.12M	601.35M	503.06M	1.21B	438.50M
Total Debt	385.89M	416.93M	499.92M	473.55M	247.43M	349.11M
Total Liabilities	7.02B	7.24B	6.94B	6.45B	6.35B	5.64B
Stockholders Equity	916.73M	887.30M	839.21M	776.50M	773.79M	692.47M
Cash Flow
Free Cash Flow	101.26M	72.00M	83.02M	104.23M	96.46M	47.43M
Operating Cash Flow	105.81M	75.11M	89.74M	109.45M	102.34M	51.18M
Investing Cash Flow	-126.57M	-259.74M	-454.44M	-897.61M	-126.78M	-867.39M
Financing Cash Flow	-9.78M	263.68M	461.69M	50.81M	694.73M	910.94M

Univest Of Pennsylvania Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 30.63
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UVSP, the sentiment is Neutral. The current price of 30.63 is below the 20-day moving average (MA) of 31.11, above the 50-day MA of 30.42, and above the 200-day MA of 29.54, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 46.78 is Neutral, neither overbought nor oversold. The STOCH value of 46.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UVSP.

Univest Of Pennsylvania Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BHRB	77 Outperform	941.01M	9.08	13.40%	3.51%	113.60%	1224.38%
FMBH	76 Outperform	932.30M	11.03	9.42%	2.50%	5.18%	13.05%
AMAL	76 Outperform	833.72M	8.19	15.04%	1.95%	6.94%	3.96%
UVSP	74 Outperform	$884.03M	11.22	9.02%	2.82%	5.94%	12.97%
HFWA	70 Outperform	843.74M	17.17	5.57%	3.82%	6.92%	13.94%
SBSI	68 Neutral	873.23M	10.28	10.61%	4.96%	3.54%	4.47%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Univest Of Pennsylvania Corporate Events

Univest of Pennsylvania Presents Growth Strategies to Investors

On July 28, 2025, Univest Financial Corporation shared a slide presentation with analysts and prospective investors, detailing its operating and growth strategies, as well as financial performance. The presentation highlighted Univest’s strong market positioning as the seventh largest diversified financial institution headquartered in Pennsylvania, with significant growth in organic loans and core deposits over the past five years. The company also emphasized its prudent management of deposits and liquidity, showcasing a robust borrowing capacity and a well-managed investment portfolio.

The most recent analyst rating on (UVSP) stock is a Hold with a $31.00 price target. To see the full list of analyst forecasts on Univest Of Pennsylvania stock, see the UVSP Stock Forecast page.

Univest Financial Reports Q2 Earnings Increase

On July 23, 2025, Univest Financial Corporation announced its second-quarter results, reporting a net income of $20.0 million, an increase from the previous year’s $18.1 million. Despite a decrease in gross loans and deposits, the company saw an increase in net interest income and margin due to higher loan balances and yields on interest-earning assets. Noninterest income also rose, driven by gains on Small Business Administration loans and increased service charges. However, the company faced challenges with a significant charge-off due to a commercial loan placed on nonaccrual status. Univest declared a quarterly cash dividend and continued its share repurchase plan.

The most recent analyst rating on (UVSP) stock is a Hold with a $24.00 price target. To see the full list of analyst forecasts on Univest Of Pennsylvania stock, see the UVSP Stock Forecast page.