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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

Univest Corporation Pennsylvania (UVSP)

Financial Services Banks - Regional
44.20 $
-0.4% vs. previous close
Closing price · As of: 31. Jul 2026
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Trading Day

Previous Close
44.40$
Open
44.40$
Day High
44.70$
Day Low
44.10$
Volume
249,764shares

Key levels of the most recently completed trading day — not a live quote.

52-Week Range

52-Week Low 52-Week High
28.10 $ 45.20 $
08/01/2025 07/16/2026

Current price 44.20 $ — 94% of the range above the low.

Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.

Basics

Market Cap
1.2$B
Shares Outstanding
28Mio.
Float
97.6%
Beta
0.7

Performance

Perf. 1M
12.20%
Perf. 3M
32.60%
Perf. 6M
33.30%
YTD Performance (%)
32.60%
52-Week-High Distance
-0.4%
Perf. 1Y
57.67%
Perf. 3Y
150.64%
Perf. 5Y
90.44%
Perf. 10Y
188.25%
Perf. Since Inception
1,595.02%

Technical Indicators

MA 38 Days
43.50$
MA 50 Days
42.50$
MA 200 Days
36.00$
RSI (14)
54.6
Volatility 30 Days
21.1%
Volatility 250 Days
24.8%

Calculated from the price history · as of 08/03/2026

Valuation

P/E
Forward P/E
13.0
PEG
1.3
P/B
P/S
2.6
EV/EBITDA
0.0
Price/FCF
12.0

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
29.8%
Return on Equity
10.3%
Return on Assets
1.2%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
Altman Z″
-1.59
Piotroski
7 out of 9

Growth

Sales Growth Last Quarter
12.10%
EPS Growth Last Quarter
24.70%
Sales Growth (Year)
3.58%
Forward Sales Growth
4.07%
Forward EPS Growth
3.80%

Dividend

Dividend Yield
2.08%
Dividend Per Share (TTM)
0.89$
Payout Ratio
26.1%
Years Without a Cut
5Years
Increase Streak
1Years

Quality & Screener

Stage
2
RS Rating
77
EPS Rating
68
Piotroski
7 out of 9
Fundamental Rating
B (57 out of 100)
Altman Z″
-1.59

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Growth Score

6 of 10 Solid growth

Ten checks against the annual reports — each one passed counts a point.

  • Revenue grows by more than 15% a year over three years 16.2% passed
  • More than 10% revenue growth is expected for the coming year 4.1% failed
  • Share count grows by less than 3% a year -0.9% passed
  • Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 22.3% failed
  • Gross margin at 40% or higher and without meaningful erosion 61.0% failed
  • Goodwill from acquisitions does not grow faster than revenue 2.1% passed
  • Net debt below twice EBITDA 211 m net cash passed
  • Operating cash flow covers the profits of the last three years 29 m passed
  • Return on capital at 15% or higher, or up versus two years ago 8.8% passed
  • Insiders hold at least 10% or are net buyers 1.6% failed

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Analysts & Price Target

Current Price 44.20 $
Price Target (average) 45.33 $

The price target sits 2.6% above the current price.

Consensus
Hold
Analyst Ratings
3
Distribution of Recommendations
Strong Buy 0
Buy 0
Hold 3
Sell 0
Strong Sell 0

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Estimates by Fiscal Year

Estimates by Fiscal Year
Fiscal Year EPS Estimate ($) EPS Range ($) Revenue Estimate ($M) Expected Growth Analysts
12/31/2026 3.77 3.72 – 3.80 354 21.6% 3
12/31/2027 3.92 3.90 – 3.96 371 3.9% 3

Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.

Next Reporting Date

28. Oct 2026 · after the close · Q3 2026
Expected Earnings per Share
0.98 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.

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The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 128.8 $M Q4 2025: Q1 · 125.8 $M Q1 2025: Q2 · 127.2 $M Q2 2025: Q3 · 131.6 $M Q3 2025: Q4 · 133.7 $M Q4 2026: Q1 · 129.6 $M Q1 2026: Q2 · 84.4 $M Q2

Source: fundamental data

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Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.65 18.50 129 7.50 14.70 28 27
2025: Q1 0.76 10.90 126 1.30 17.80 16 14
2025: Q2 0.69 11.50 127 5.30 15.70 23 22
2025: Q3 0.89 39.80 132 3.90 19.50 32 31
2025: Q4 0.80 23.00 134 3.80 17.00 31 25
2026: Q1 0.96 26.00 130 3.00 20.90 22 22
2026: Q2 0.82 18.80 84 -33.60 27.30 24 24
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Annual Figures

Annual Figures
Fiscal Year Revenue ($M) EBIT ($M) Net Income ($M) EPS ($) Operating Cash Flow ($M) Equity ($M) Total Assets ($M)
2016 183 23 20 0.84 33 505 4,231
2017 222 62 44 1.50 69 603 4,560
2018 251 61 51 1.72 86 624 4,984
2019 280 80 66 2.25 73 673 5,401
2020 282 57 47 1.60 51 692 6,337
2021 293 114 92 3.11 102 774 7,122
2022 330 97 78 2.64 109 777 7,222
2023 449 89 71 2.41 90 839 7,781
2024 500 95 76 2.58 75 887 8,128
2025 518 113 91 3.16 102 943 8,437

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

About the Company

Univest Financial Corporation ist die Bankholding der Univest Bank and Trust Co., die Bankdienstleistungen in den USA anbietet.

Employees892
HeadquartersSouderton, PA
Address14 North Main Street, 18964 Souderton, United States
Phone215 721 2400
Websiteunivest.net
IPO Date3. Nov 1989
ISINUS9152711001
Stock Split3:2 on 05/02/2005

Management

Management
Name Title Birth Year
Jeffrey M. Schweitzer CPA Chairman, President & CEO 1974
Brian J. Richardson CPA Senior Executive VP & CFO 1984
Michael S. Keim CPA Senior EVP & COO 1968
Megan Duryea Santana Esq. Senior EVP, Chief Risk Officer, General Counsel & Corporate Secretary 1977
Patrick C. McCormick Senior EVP & Chief Commercial Banking Officer of Univest Bank and Trust Co. 1978
Nicole Heverly Senior VP & Director of Corporate Communications
M. Theresa Fosko Executive VP & Chief Human Resources Officer
Karen Elizabeth Tejkl Senior Vice President
Annette D. Szygiel Chief Experience Officer & Executive VP
Craig Portner Senior VP & Relationship Manager

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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