Stock AnalizUNIVEST FINANCIAL Corp UVSP
Major Banks · data as of November 13, 2026
UNIVEST FINANCIAL Corp (UVSP) is a financial company listed in the US with a market value of about $1.1B. In the twelve months to September 30, 2026 it had revenue of $346M and net income of $94M, a net margin of 27.2%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 12.1, a price to free cash flow of 9.2, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 17% below the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $346M | $328M | $299M | $297M | $296M | $272M | $253M | $235M | $218M | $202M | $170M |
| Net income | $94M | $91M | $76M | $71M | $78M | $92M | $47M | $66M | $51M | $44M | $20M |
| Free cash flow | $120M | $97M | $72M | $83M | $104M | $96M | $47M | $69M | $82M | $65M | $21M |
| EPS (diluted) | $3.35 | $3.13 | $2.58 | $2.41 | $2.64 | $3.11 | $1.60 | $2.24 | $1.72 | $1.64 | $0.84 |
| Net margin | 27.2% | 27.7% | 25.4% | 24.0% | 26.4% | 33.8% | 18.6% | 28.0% | 23.2% | 21.8% | 11.5% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $45.17, 11% above the current price; targets range from $43.50 to $47.00; the consensus rating is “Hold”; expected EPS is $3.62 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is UNIVEST FINANCIAL’s P/E ratio?
About 12.1, based on the last twelve months of diluted earnings per share (forward P/E about 10.4).
Is UNIVEST FINANCIAL stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 17% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does UNIVEST FINANCIAL pay a dividend?
Yes. The dividend yield is about 2.25%, and it has paid dividends for 10 years in our data.
Is UNIVEST FINANCIAL a good stock to buy?
We do not give buy or sell advice. UNIVEST FINANCIAL scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.