Univest Financial Corporation (UVSP) AI Stock Analysis

Univest Financial Corporation serves as a bank holding company overseeing Univest Bank and Trust Co., operating primarily in Pennsylvania. Founded in 1876 and based in Souderton, Pennsylvania, it operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment delivers deposit-taking, loan origination and servicing, mortgage banking, and equipment lease financing to individuals, businesses, municipalities, and nonprofits. The Wealth Management segment offers investment advisory, financial planning, and trust and brokerage services. Its Insurance segment provides commercial property and casualty coverage, employee benefits solutions, personal insurance lines, and human resources consulting.

Revenue expanded from $293.0M in FY2021 to $518.3M in FY2025, posting a five-year compound annual growth rate of 12.9%. Annual net income moved from $91.8M in FY2021 down to $71.1M in FY2023, before recovering to $90.8M in FY2025. Over that period, operating margin contracted from 39.0% in FY2021 to 21.9% in FY2025, while gross margin moved from 96.2% to 61.0%. Diluted earnings per share stood at $3.07 in FY2025, up from $2.49 in FY2024. For the latest quarter ended June 30, 2026, revenue increased 8.4% year-over-year, and quarterly earnings grew 18.8% year-over-year, bringing trailing twelve-month revenue to $329.9M and net profit margin to 29.8%.

As of June 30, 2026, Univest held $79.5M in cash and short-term investments against total debt of $269.7M, resulting in net debt of $190.2M. Total assets stood at $8.20B, shareholders' equity was $954.3M, and the current ratio was 4.22. Debt-to-equity measured 0.28. In FY2025, operating cash flow reached $101.5M, generating free cash flow of $96.9M after capital expenditures of $4.6M. Capital allocation in FY2025 included $34.6M allocated to share buybacks and $25.3M paid out in dividends, contributing to a 5.0% reduction in share count over five years.

With a market capitalization of $1.14B, UVSP trades at a trailing price-to-earnings multiple of 11.9x, compared to 12.1x for the median of its US-listed Financial Services peers. Its forward price-to-earnings ratio is 13.0x versus 10.8x for the peer group median, and its price-to-sales ratio is 3.4x against the peer median of 3.2x. Over the past year, the stock returned 49.4%, outperforming the S&P 500 index return of 16.8%. Over a five-year horizon, its 71.0% return trailed the S&P 500 gain of 83.0%.

Univest Financial pays a quarterly dividend with a forward annual payout of $0.92 per share, yielding 2.23%. The payout ratio is 26.1%, and dividends have been paid for 32 consecutive years. The dividend has grown at an annualized rate of 7.7% over the past five years, with the last ex-dividend date on August 5, 2026.

Wall Street coverage includes 3 Hold ratings, with 0 Buy, 0 Strong Buy, 0 Sell, and 0 Strong Sell ratings. The mean price target is $45.50, representing an upside of 10.3% from the last close of $41.25. For the current fiscal year ending December 31, 2026, analysts estimate earnings per share of $3.81 on revenue of $355.3M. The company has beaten earnings per share estimates in 3 of the last 4 quarters, with the next earnings release scheduled for October 28, 2026.

This page is an AI-written research summary of Univest Financial Corporation (UVSP). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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