UNIVEST FINANCIAL CORP(NASDAQ:UVSP) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to UVSP. UVSP was compared to 398 industry peers in the Banks industry. UVSP has a bad profitability rating. Also its financial health evaluation is rather negative. UVSP is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year UVSP was profitable.

In the past year UVSP had a positive cash flow from operations.

Each year in the past 5 years UVSP has been profitable.

UVSP had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

UVSP's Return On Assets of 0.93% is fine compared to the rest of the industry. UVSP outperforms 61.56% of its industry peers.

The Return On Equity of UVSP (8.56%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.93%
ROE	8.56%
ROIC	N/A

ROA(3y)0.98%

ROA(5y)0.99%

ROE(3y)9.03%

ROE(5y)9.14%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of UVSP (25.38%) is better than 61.06% of its industry peers.

In the last couple of years the Profit Margin of UVSP has declined.

UVSP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.38%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.11%

PM growth 5Y-4.26%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

UVSP does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for UVSP has been reduced compared to 1 year ago.

The number of shares outstanding for UVSP has been reduced compared to 5 years ago.

UVSP has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of UVSP is 2.23, which is a good value as it means it would take UVSP, 2.23 years of fcf income to pay off all of its debts.

UVSP has a Debt to FCF ratio (2.23) which is comparable to the rest of the industry.

A Debt/Equity ratio of 0.18 indicates that UVSP is not too dependend on debt financing.

UVSP's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. UVSP outperforms 51.26% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	2.23
Altman-Z	N/A

ROIC/WACCN/A

WACC18.02%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.98% over the past year.

UVSP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.04% yearly.

UVSP shows a small growth in Revenue. In the last year, the Revenue has grown by 0.81%.

The Revenue has been growing slightly by 4.99% on average over the past years.

EPS 1Y (TTM)8.98%

EPS 3Y-5.61%

EPS 5Y3.04%

EPS Q2Q%11.59%

Revenue 1Y (TTM)0.81%

Revenue growth 3Y3.28%

Revenue growth 5Y4.99%

Sales Q2Q%2.77%

3.2 Future

The Earnings Per Share is expected to grow by 5.17% on average over the next years.

Based on estimates for the next years, UVSP will show a small growth in Revenue. The Revenue will grow by 6.00% on average per year.

EPS Next Y-0.6%

EPS Next 2Y5.17%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.95%

Revenue Next 2Y6%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.01, the valuation of UVSP can be described as very reasonable.

The rest of the industry has a similar Price/Earnings ratio as UVSP.

Compared to an average S&P500 Price/Earnings ratio of 28.92, UVSP is valued rather cheaply.

The Price/Forward Earnings ratio is 10.26, which indicates a very decent valuation of UVSP.

UVSP's Price/Forward Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, UVSP is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.01
Fwd PE	10.26

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as UVSP.

		Industry Rank	Sector Rank
P/FCF	11.84
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)3.62

EPS Next 2Y5.17%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

UVSP has a Yearly Dividend Yield of 2.95%.

Compared to an average industry Dividend Yield of 3.63, UVSP has a dividend in line with its industry peers.

UVSP's Dividend Yield is comparable with the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	2.95%

5.2 History

The dividend of UVSP has a limited annual growth rate of 1.22%.

UVSP has been paying a dividend for at least 10 years, so it has a reliable track record.

UVSP has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)1.22%

Div Incr Years3

Div Non Decr Years4

5.3 Sustainability

UVSP pays out 32.72% of its income as dividend. This is a sustainable payout ratio.

UVSP's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP32.72%

EPS Next 2Y5.17%

EPS Next 3YN/A

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UNIVEST FINANCIAL CORP

NASDAQ:UVSP (4/24/2025, 8:00:02 PM)

After market: 29.39 0 (0%)

29.39

+0.94 (+3.3%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-22 2025-07-22/amc

Inst Owners79.74%

Inst Owner Change0.02%

Ins Owners1.04%

Ins Owner Change3.25%

Market Cap852.31M

Analysts47.5

Price Target31.96 (8.74%)

Short Float %1.04%

Short Ratio2.34

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.95%

Yearly Dividend0.85

Dividend Growth(5Y)1.22%

DP32.72%

Div Incr Years3

Div Non Decr Years4

Ex-Date02-05 2025-02-05 (0.21)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)13.42%

Min EPS beat(2)12.46%

Max EPS beat(2)14.38%

EPS beat(4)4

Avg EPS beat(4)19.71%

Min EPS beat(4)12.46%

Max EPS beat(4)32.04%

EPS beat(8)7

Avg EPS beat(8)12.42%

EPS beat(12)10

Avg EPS beat(12)7.96%

EPS beat(16)13

Avg EPS beat(16)11.57%

Revenue beat(2)1

Avg Revenue beat(2)0.38%

Min Revenue beat(2)-1.75%

Max Revenue beat(2)2.51%

Revenue beat(4)2

Avg Revenue beat(4)0.76%

Min Revenue beat(4)-2.36%

Max Revenue beat(4)4.64%

Revenue beat(8)2

Avg Revenue beat(8)-1.53%

Revenue beat(12)4

Avg Revenue beat(12)-1.12%

Revenue beat(16)6

Avg Revenue beat(16)-0.37%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0.36%

EPS NQ rev (3m)8.43%

EPS NY rev (1m)0.25%

EPS NY rev (3m)8.65%

Revenue NQ rev (1m)0.06%

Revenue NQ rev (3m)1.44%

Revenue NY rev (1m)0.08%

Revenue NY rev (3m)1.74%

Valuation

		Industry Rank	Sector Rank
PE	11.01
Fwd PE	10.26
P/S	2.85
P/FCF	11.84
P/OCF	11.35
P/B	0.96
P/tB	1.21
EV/EBITDA	N/A

EPS(TTM)2.67

EY9.08%

EPS(NY)2.86

Fwd EY9.75%

FCF(TTM)2.48

FCFY8.45%

OCF(TTM)2.59

OCFY8.81%

SpS10.32

BVpS30.6

TBVpS24.26

PEG (NY)N/A

PEG (5Y)3.62

Profitability

		Industry Rank	Sector Rank
ROA	0.93%
ROE	8.56%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.38%
GM	N/A
FCFM	24.06%

ROA(3y)0.98%

ROA(5y)0.99%

ROE(3y)9.03%

ROE(5y)9.14%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.11%

PM growth 5Y-4.26%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	2.23
Debt/EBITDA	N/A
Cap/Depr	56.71%
Cap/Sales	1.04%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	94.83%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC18.02%

ROIC/WACCN/A

Cap/Depr(3y)101.75%

Cap/Depr(5y)101.99%

Cap/Sales(3y)1.69%

Cap/Sales(5y)1.75%

Profit Quality(3y)115.04%

Profit Quality(5y)110.28%

High Growth Momentum

Growth

EPS 1Y (TTM)8.98%

EPS 3Y-5.61%

EPS 5Y3.04%

EPS Q2Q%11.59%

EPS Next Y-0.6%

EPS Next 2Y5.17%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.81%

Revenue growth 3Y3.28%

Revenue growth 5Y4.99%

Sales Q2Q%2.77%

Revenue Next Year5.95%

Revenue Next 2Y6%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-13.27%

FCF growth 3Y-9.27%

FCF growth 5Y0.37%

OCF growth 1Y-16.31%

OCF growth 3Y-9.79%

OCF growth 5Y0.54%

UNIVEST FINANCIAL CORP (UVSP) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens