Univest Financial (UVSP)


Market Price (7/23/2026): $40.0 | Market Cap: $1.1 BilSector: Financials | Industry: Regional Banks

Univest Financial (UVSP)


Market Price (7/23/2026): $40.0
Market Cap: $1.1 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.5%, FCF Yield is 8.5%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%

Low stock price volatility
Vol 12M is 26%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending.

Trading close to highs
Dist 52W High is -3.1%, Dist 3Y High is -3.1%

Key risks
UVSP key risks include [1] heightened credit risk from a significant charge-off linked to suspected fraud and [2] a substantial concentration of loans within specific industries.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.5%, FCF Yield is 8.5%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%
2 Low stock price volatility
Vol 12M is 26%
3 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending.
4 Trading close to highs
Dist 52W High is -3.1%, Dist 3Y High is -3.1%
5 Key risks
UVSP key risks include [1] heightened credit risk from a significant charge-off linked to suspected fraud and [2] a substantial concentration of loans within specific industries.

UVSP in ETFs

Weight = UVSP's share of each fund

VTI0.00%
ITOT0.00%
IWM0.04%
KRE0.23%
AVUV0.11%
IWN0.08%
VTWO0.04%
DFAS0.03%
+5 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 7/22/2026

Univest Financial (UVSP) stock has gained about 30% since 3/31/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Earnings Beat and Upgraded Outlook.

Univest Financial reported robust fiscal Q1 2026 results on April 22, 2026, which served as a significant catalyst for the stock. The company announced diluted earnings per share (EPS) of $0.96, surpassing analyst estimates of $0.84 by $0.12, representing a 14.3% beat. Revenue also exceeded expectations, coming in at $87.45 million. Following these positive results, management raised its full-year net interest income growth outlook from a previous range of 4-6% to a new range of 5-7%, signaling confidence in future performance.

2. Increased Shareholder Returns through Dividends and Buybacks.

The company demonstrated a strong commitment to returning capital to shareholders, which positively influenced investor sentiment. After its fiscal Q1 2026 earnings, Univest increased its quarterly dividend by 4.5% to $0.23 per share. Furthermore, the company actively repurchased its shares, buying back over 350,000 shares in fiscal Q1 2026 and an additional 425,539 shares in fiscal Q2 2026 at an average price of $38.71 per share. These actions indicated management's belief in the company's valuation and provided ongoing support for the stock price.

Show more
Updated on 7/22/2026

Univest Financial (UVSP) stock has gained about 30% since 3/31/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Earnings Beat and Upgraded Outlook.

Univest Financial reported robust fiscal Q1 2026 results on April 22, 2026, which served as a significant catalyst for the stock. The company announced diluted earnings per share (EPS) of $0.96, surpassing analyst estimates of $0.84 by $0.12, representing a 14.3% beat. Revenue also exceeded expectations, coming in at $87.45 million. Following these positive results, management raised its full-year net interest income growth outlook from a previous range of 4-6% to a new range of 5-7%, signaling confidence in future performance.

2. Increased Shareholder Returns through Dividends and Buybacks.

The company demonstrated a strong commitment to returning capital to shareholders, which positively influenced investor sentiment. After its fiscal Q1 2026 earnings, Univest increased its quarterly dividend by 4.5% to $0.23 per share. Furthermore, the company actively repurchased its shares, buying back over 350,000 shares in fiscal Q1 2026 and an additional 425,539 shares in fiscal Q2 2026 at an average price of $38.71 per share. These actions indicated management's belief in the company's valuation and provided ongoing support for the stock price.

3. Significant Institutional Investor Accumulation.

During fiscal Q1 2026, prior to the observed stock gain, Univest Financial saw notable accumulation by institutional investors. For instance, TWO SIGMA INVESTMENTS, LP added 179,779 shares to its portfolio, valued at an estimated $6.16 million, while QUBE RESEARCH & TECHNOLOGIES LTD increased its holdings by 156,228 shares, estimated at approximately $5.35 million. This substantial institutional buying indicated growing confidence in the company's prospects and likely contributed to increased demand for the stock, driving its price upward.

4. Solid Financial Health and Resilient Capital Ratios.

Despite a miss on fiscal Q2 2026 earnings, reported on July 22, 2026, Univest Financial maintained strong underlying financial health. The company reported a tangible book value per share of $28.16 and a robust Common Equity Tier 1 (CET1) capital ratio of 11.19% as of June 30, 2026. The fiscal Q2 2026 earnings per share of $0.82 missed analyst estimates of $0.89, but this was partly due to a one-time pre-tax charge of $5.2 million ($0.15 diluted EPS) related to a valuation adjustment on an other real estate owned property. Investors likely looked past this non-recurring item, focusing instead on the company's strong capital position and overall stability.

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Stock Movement Drivers

Fundamental Drivers

The 28.6% change in UVSP stock from 3/31/2026 to 7/22/2026 was primarily driven by a 20.8% change in the company's P/E Multiple.
(LTM values as of)33120267222026Change
Stock Price ($)34.0643.7928.6%
Change Contribution By: 
Total Revenues ($ Mil)3283362.5%
Net Income Margin (%)27.7%28.4%2.6%
P/E Multiple10.612.920.8%
Shares Outstanding (Mil)28281.2%
Cumulative Contribution28.6%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2026 to 7/22/2026
ReturnCorrelation
UVSP28.6% 
Market (SPY)14.9%14.9%
Sector (XLF)13.5%46.6%

Fundamental Drivers

The 35.4% change in UVSP stock from 12/31/2025 to 7/22/2026 was primarily driven by a 20.4% change in the company's P/E Multiple.
(LTM values as of)123120257222026Change
Stock Price ($)32.3443.7935.4%
Change Contribution By: 
Total Revenues ($ Mil)3203365.0%
Net Income Margin (%)27.1%28.4%4.5%
P/E Multiple10.712.920.4%
Shares Outstanding (Mil)29282.4%
Cumulative Contribution35.4%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 7/22/2026
ReturnCorrelation
UVSP35.4% 
Market (SPY)9.9%28.5%
Sector (XLF)2.9%52.8%

Fundamental Drivers

The 49.8% change in UVSP stock from 6/30/2025 to 7/22/2026 was primarily driven by a 18.4% change in the company's P/E Multiple.
(LTM values as of)63020257222026Change
Stock Price ($)29.2343.7949.8%
Change Contribution By: 
Total Revenues ($ Mil)30133611.6%
Net Income Margin (%)25.9%28.4%9.6%
P/E Multiple10.912.918.4%
Shares Outstanding (Mil)29283.5%
Cumulative Contribution49.8%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2025 to 7/22/2026
ReturnCorrelation
UVSP49.8% 
Market (SPY)22.0%36.1%
Sector (XLF)8.3%56.1%

Fundamental Drivers

The 167.6% change in UVSP stock from 6/30/2023 to 7/22/2026 was primarily driven by a 111.3% change in the company's P/E Multiple.
(LTM values as of)63020237222026Change
Stock Price ($)16.3743.79167.6%
Change Contribution By: 
Total Revenues ($ Mil)3083369.2%
Net Income Margin (%)25.6%28.4%10.9%
P/E Multiple6.112.9111.3%
Shares Outstanding (Mil)29284.6%
Cumulative Contribution167.6%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2023 to 7/22/2026
ReturnCorrelation
UVSP167.6% 
Market (SPY)74.6%43.3%
Sector (XLF)73.7%62.8%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
UVSP Return50%-10%-12%39%14%37%158%
Peers Return24%-6%-2%-8%44%20%83%
S&P 500 Return27%-19%24%23%16%10%100%

Monthly Win Rates [3]
UVSP Win Rate67%42%50%58%67%100% 
Peers Win Rate44%53%47%42%72%63% 
S&P 500 Win Rate75%42%67%75%67%57% 

Max Drawdowns [4]
UVSP Max Drawdown-15%-23%-43%-16%-20%-9% 
Peers Max Drawdown-16%-19%-34%-22%-17%-14% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, FCBM, HAPN, CBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 7/22/2026 (YTD)

How Low Can It Go

EventUVSPS&P 500
2025 US Tariff Shock
  % Loss-17.9%-18.8%
  % Gain to Breakeven21.9%23.1%
  Time to Breakeven27 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-16.9%-9.5%
  % Gain to Breakeven20.4%10.5%
  Time to Breakeven35 days24 days
2023 SVB Regional Banking Crisis
  % Loss-41.8%-6.7%
  % Gain to Breakeven72.0%7.1%
  Time to Breakeven433 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-20.6%-24.5%
  % Gain to Breakeven26.0%32.4%
  Time to Breakeven662 days427 days
2020 COVID-19 Crash
  % Loss-45.3%-33.7%
  % Gain to Breakeven82.7%50.9%
  Time to Breakeven322 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-20.8%-19.2%
  % Gain to Breakeven26.3%23.8%
  Time to Breakeven60 days105 days

Compare to NEWT, ATLO, FCBM, HAPN, CBC

In The Past

Univest Financial's stock fell -17.9% during the 2025 US Tariff Shock. Such a loss loss requires a 21.9% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventUVSPS&P 500
2023 SVB Regional Banking Crisis
  % Loss-41.8%-6.7%
  % Gain to Breakeven72.0%7.1%
  Time to Breakeven433 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-20.6%-24.5%
  % Gain to Breakeven26.0%32.4%
  Time to Breakeven662 days427 days
2020 COVID-19 Crash
  % Loss-45.3%-33.7%
  % Gain to Breakeven82.7%50.9%
  Time to Breakeven322 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-20.8%-19.2%
  % Gain to Breakeven26.3%23.8%
  Time to Breakeven60 days105 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-23.7%-17.9%
  % Gain to Breakeven31.0%21.8%
  Time to Breakeven135 days123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-23.8%-15.4%
  % Gain to Breakeven31.2%18.2%
  Time to Breakeven1029 days125 days
2008-2009 Global Financial Crisis
  % Loss-27.2%-53.4%
  % Gain to Breakeven37.5%114.4%
  Time to Breakeven139 days1085 days

Compare to NEWT, ATLO, FCBM, HAPN, CBC

In The Past

Univest Financial's stock fell -17.9% during the 2025 US Tariff Shock. Such a loss loss requires a 21.9% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Univest Financial (UVSP)

Univest Financial Corporation (UVSP) operates as a bank holding company, primarily through its subsidiary Univest Bank and Trust Co., serving customers across Pennsylvania and parts of New Jersey. Its foundational business segment, Banking, offers a comprehensive suite of services including deposit taking, various types of loan origination and servicing—such as mortgage banking and equipment lease financing—and other general banking products. These core banking services are provided to a diverse customer base comprising individuals, businesses, municipalities, and nonprofit organizations.

In addition to its banking operations, Univest Financial diversifies its offerings through two specialized segments. The Wealth Management segment provides investment advisory, financial planning, trust, and brokerage services, catering to private families, individuals, and institutional clients like municipal pension and retirement plans. Furthermore, the Insurance segment delivers commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. Through these three segments, Univest Financial offers a holistic financial services approach to its clients within its regional footprint, spanning multiple counties in Pennsylvania and New Jersey.

AI Analysis | Feedback

Analogies for Univest Financial (UVSP):
  • It's like a regional PNC Bank, but with a focus on specific counties in Pennsylvania and New Jersey.
  • Imagine a M&T Bank, offering a similar range of banking, wealth management, and insurance services, but operating on a more localized scale.

AI Analysis | Feedback

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  • Deposit Services: Provides various deposit-taking options for individuals, businesses, municipalities, and non-profit organizations.
  • Loan Origination and Servicing: Offers a range of loan products, including mortgage banking, to individuals, businesses, municipalities, and non-profit organizations.
  • Equipment Lease Financing: Provides financing solutions for equipment acquisition.
  • Investment Advisory and Financial Planning: Offers expert advice and planning services for private families, individuals, and municipal pension plans.
  • Trust and Brokerage Services: Provides fiduciary and brokerage services for individuals, retirement plans, trusts, and guardianships.
  • Commercial Property and Casualty Insurance: Delivers insurance solutions for businesses to protect against property damage and liability risks.
  • Employee Benefits Solutions: Provides consulting and solutions related to employee benefits packages for businesses.
  • Personal Insurance Lines: Offers insurance products designed for individual protection, such as home and auto insurance.
  • Human Resources Consulting Services: Provides advisory services to organizations on human resources matters.
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AI Analysis | Feedback

Univest Financial (UVSP) primarily serves a diverse customer base rather than a few specific major customers. Its customers can be categorized as follows:

  • Individuals and Private Families: This category includes customers seeking deposit accounts, loans (including mortgages), wealth management services (investment advisory, financial planning, trust and brokerage services), and personal insurance lines.

  • Businesses: Univest provides banking services such as deposit taking, loan origination, and equipment lease financing, as well as commercial property and casualty insurance and employee benefits solutions to businesses, typically small to medium-sized enterprises within its operating regions.

  • Municipalities and Nonprofit Organizations: This group utilizes a range of services including banking (deposit taking, loans), wealth management (municipal pension plans, trusts, and guardianships), and potentially insurance and other financial services tailored to their specific needs.

AI Analysis | Feedback

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AI Analysis | Feedback

Jeffrey M. Schweitzer Chairman, President and Chief Executive Officer

Jeffrey M. Schweitzer is Chairman, President, and Chief Executive Officer for Univest Financial Corporation and Chairman and Chief Executive Officer for Univest Bank and Trust Co. He joined Univest in 2007 as Executive Vice President and Chief Financial Officer and has more than 25 years of experience in the financial services industry.

Brian J. Richardson Senior Executive Vice President and Chief Financial Officer

Brian J. Richardson is Senior Executive Vice President and Chief Financial Officer of Univest Financial Corporation and Univest Bank and Trust Co. He has over 18 years of experience in the financial services industry. Richardson joined Univest in 2016 as Senior Vice President and Director of Finance following the company's acquisition of Fox Chase Bank, where he had served as Senior Vice President and Director of Accounting. He began his career at KPMG LLP as a Senior Manager in their Financial Services Audit Practice.

Michael S. Keim President of Univest Bank and Trust Co. and Chief Operating Officer of Univest Financial Corporation

Michael S. Keim is President of Univest Bank and Trust Co. and Chief Operating Officer of Univest Financial Corporation. He joined Univest in 2008 as Senior Vice President, Mortgage Banking. Keim was promoted to Executive Vice President and Chief Financial Officer in January 2013 and became President of Univest Bank and Trust Co. in October 2015. Prior to joining Univest, he worked as a self-employed consultant with a private equity firm, developing and implementing a bank acquisition strategy. He also spent 14 years at GMAC Residential in various roles, including Senior Vice President and Managing Director of Consumer Lending, CFO of GMAC Mortgage, and Executive Vice President and COO of GMAC Bank.

Megan D. Santana Senior Executive Vice President, Chief Risk Officer and General Counsel

Megan D. Santana serves as Senior Executive Vice President, Chief Risk Officer and General Counsel of Univest Financial Corporation and Univest Bank and Trust Co. She has over 21 years of experience in the financial services industry. Her responsibilities include overseeing Compliance, Credit Risk Management, Operational Risk Management (including AML and BSA), General Counsel, and Information Security.

Patrick McCormick Senior Executive Vice President & Chief Commercial Banking Officer of Univest Bank and Trust Co.

Patrick McCormick is the Senior Executive Vice President & Chief Commercial Banking Officer of Univest Bank and Trust Co.

AI Analysis | Feedback

The key risks to Univest Financial (UVSP) primarily stem from its reliance on broad economic conditions, the complex regulatory environment, and intense competition within the financial services sector.

  1. General Economic Conditions and Interest Rate Sensitivity: Univest Financial is significantly exposed to general economic conditions, including potential recessions, slowed economic growth, inflation, and changes in employment levels. These macroeconomic factors can negatively impact the demand for banking products, the credit quality of its loan portfolio, and overall profitability. For instance, economic downturns can lead to increased loan defaults and reduced asset valuations. Additionally, as a financial institution, Univest is sensitive to interest rate fluctuations, which can affect its net interest margin and the fair value of its assets and liabilities.

  2. Operating, Legal, and Regulatory Risks: As a bank holding company, Univest Financial operates in a highly regulated environment. It faces substantial operating, legal, and regulatory risks, including the potential for non-compliance with banking laws and regulations, which could result in significant penalties, enforcement actions, and reputational damage. The complexity and evolving nature of financial regulations require continuous monitoring and investment to ensure compliance and robust operational controls.

  3. Intense Competition: Univest Financial faces significant competition from other banks, credit unions, and increasingly, from financial technology (fintech) companies. This competitive landscape can exert pressure on its market share for loans and deposits, as well as on pricing and margins. To remain competitive, Univest must continually invest in technology, enhance customer service, and adapt its offerings, which can impact its operational costs and profitability.

AI Analysis | Feedback

  • The rise of digital-first banks (neobanks) and various fintech platforms that provide banking services such as deposits, lending, and payments with superior digital user experiences, often lower fees, and without the overhead of physical branches. These competitors directly challenge Univest's traditional branch-based banking model and service delivery.
  • The proliferation of robo-advisors and online wealth management platforms that offer automated, low-cost investment advisory and financial planning services. These platforms democratize access to financial advice and threaten traditional, higher-fee human-advised models within Univest's Wealth Management segment.
  • The emergence of Insurtech companies and online insurance marketplaces that leverage technology to streamline policy comparisons, sales, and claims. These innovators often offer more personalized and convenient digital experiences than traditional brokers, challenging Univest's Insurance segment.

AI Analysis | Feedback

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AI Analysis | Feedback

Expected Drivers of Future Revenue Growth for Univest Financial (UVSP)

Univest Financial Corporation (UVSP) anticipates several key drivers for revenue growth over the next 2-3 years, stemming from its diversified business model and strategic initiatives.
  • Loan Growth: Univest projects continued loan growth, with an approximate increase of 2%-3% expected for 2026. This is a consistent focus in their forward guidance, indicating that expanding their loan portfolio will be a significant contributor to revenue.
  • Net Interest Income (NII) Expansion and Net Interest Margin (NIM) Improvement: The company anticipates NII growth of approximately 4%-6% in 2026, driven by modest expansion in its net interest margin. This suggests that effective management of interest-earning assets and liabilities will enhance profitability.
  • Growth in Non-Interest Income: Univest expects non-interest income to grow by approximately 5%-7% in 2026. This growth is driven by various fee-based services, including increases in investment management fees, gains from SBA loan sales, and treasury management fees.
  • Expansion of Wealth Management and Insurance Segments: The Wealth Management division, Girard, has shown growth in assets under management and supervision, supported by enhanced client experience through centralized operations. The Insurance segment also recorded robust revenue and profitability increases in 2024, indicating continued contribution from these diversified revenue streams.
  • Digital Transformation Initiatives: Univest is investing in digital advancements, such as launching new loan and deposit tools for small business customers and implementing services like FedNow® for instant payments. These technological improvements aim to enhance customer experience and operational efficiency, which can lead to increased customer engagement and new business opportunities.

AI Analysis | Feedback

Capital Allocation Decisions for Univest Financial (UVSP)

Share Repurchases

  • Univest Financial's Board of Directors approved an increase of 2,000,000 shares available for repurchase under its share repurchase program on December 10, 2025, representing approximately 7.1% of the common stock outstanding as of November 30, 2025. This authorization increased the total shares available for future repurchase to approximately 2,423,000 shares.
  • During the fourth quarter of 2025, Univest repurchased 479,690 shares of common stock at an average price of $31.82 per share. Including brokerage fees and excise tax, the average cost was $32.17 per share.
  • For the full year 2025, the company repurchased 1.1 million shares at an average cost of $30.75 per share, which accounted for 3.9% of shares outstanding as of December 31, 2024.

Inbound Investments

  • On November 6, 2025, Univest Financial Corporation completed a $50.0 million subordinated debt offering.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

UVSPNEWTATLOFCBMHAPNCBCMedian
NameUnivest .NewtekOneAmes Nat.First Ca.Happen, .Central . 
Mkt Price43.7914.7329.4812.7618.8131.4524.14
Mkt Cap1.20.40.3-2.2377.91.2
Rev LTM33627270-1,0331,000336
Op Inc LTM-------
FCF LTM105-77622--3,16045722
FCF 3Y Avg85-34817--2,498--165
CFO LTM108-77623--3,00749123
CFO 3Y Avg89-34819--2,410--164

Growth & Margins

UVSPNEWTATLOFCBMHAPNCBCMedian
NameUnivest .NewtekOneAmes Nat.First Ca.Happen, .Central . 
Rev Chg LTM11.6%10.5%21.7%-25.4%-16.6%
Rev Chg 3Y Avg3.2%32.1%5.4%--0.6%-4.3%
Rev Chg Q10.4%8.0%17.8%-15.9%-13.1%
QoQ Delta Rev Chg LTM2.5%1.9%4.1%-3.5%-3.0%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM32.1%-285.4%32.5%--291.0%49.1%32.1%
CFO/Rev 3Y Avg28.6%-134.4%31.4%--270.5%--52.9%
FCF/Rev LTM31.2%-285.4%31.2%--305.8%45.7%31.2%
FCF/Rev 3Y Avg27.2%-134.5%28.6%--279.9%--53.6%

Valuation

UVSPNEWTATLOFCBMHAPNCBCMedian
NameUnivest .NewtekOneAmes Nat.First Ca.Happen, .Central . 
Mkt Cap1.20.40.3-2.2377.91.2
P/S3.71.53.8-2.1377.73.7
P/Op Inc-------
P/EBIT-------
P/E12.96.512.1-12.41,006.712.4
P/CFO11.4-0.511.6--0.7770.011.4
Total Yield9.8%22.4%11.1%-8.1%0.1%9.8%
Dividend Yield2.1%7.0%2.9%-0.0%0.0%2.1%
FCF Yield 3Y Avg9.5%-92.0%8.8%---8.8%
D/E0.21.30.1-0.00.00.1
Net D/E0.10.4-1.9--0.4-0.0-0.0

Returns

UVSPNEWTATLOFCBMHAPNCBCMedian
NameUnivest .NewtekOneAmes Nat.First Ca.Happen, .Central . 
1M Rtn4.0%8.7%-1.1%1.4%-0.8%10.6%2.7%
3M Rtn19.9%17.4%5.4%1.3%-0.8%23.1%11.4%
6M Rtn27.6%9.9%22.5%1.3%-0.8%28.5%16.2%
12M Rtn41.1%34.2%67.0%1.3%-0.8%73.6%37.7%
3Y Rtn152.0%-1.1%73.1%1.3%-0.8%122.6%37.2%
1M Excs Rtn3.6%8.3%-1.4%1.1%-1.1%10.2%2.3%
3M Excs Rtn13.9%12.1%-0.9%-4.9%-6.9%17.4%5.6%
6M Excs Rtn24.5%1.8%17.2%-9.1%-11.1%22.7%9.5%
12M Excs Rtn22.3%17.8%48.4%-17.7%-19.7%57.5%20.1%
3Y Excs Rtn96.4%-63.8%17.0%-64.5%-66.6%56.8%-23.4%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Banking283256257256234
Wealth Management3230272727
Insurance2222222017
Other-9-9-9-6-7
Total328299297296272


Operating Income by Segment
$ Mil20152014
Banking3121
Wealth Management66
Insurance21
Other-12
Total3730


Net Income by Segment
$ Mil20252023202220212020
Banking9271759044
Wealth Management75676
Insurance44333
Other-13-9-5-8-6
Total9171789247


Assets by Segment
$ Mil20252024202320222021
Banking8,2727,9817,6567,1057,006
Wealth Management7369585854
Insurance6056494541
Other3222181422
Total8,4378,1287,7817,2227,122


Price Behavior

Price Behavior
Market Price$43.79 
Market Cap ($ Bil)1.2 
First Trading Date04/16/1998 
Distance from 52W High-3.1% 
   50 Days200 Days
DMA Price$41.64$35.23
DMA Trendupup
Distance from DMA5.2%24.3%
 3M1YR
Volatility20.9%25.9%
Downside Capture-20.7057.35
Upside Capture67.0085.52
Correlation (SPY)2.4%35.4%
UVSP Betas & Captures as of 6/30/2026

 1M2M3M6M1Y3Y
Beta-0.25-0.030.200.500.760.85
Up Beta-1.08-0.490.200.511.040.79
Down Beta-0.09-0.13-0.320.180.500.82
Up Capture55%64%76%86%88%104%
Bmk +ve Days11244067140429
Stock +ve Days14244068129380
Down Capture-64%-35%-16%37%68%94%
Bmk -ve Days10172358112321
Stock -ve Days7172355119365

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with UVSP
UVSP41.5%25.9%1.30-
Sector ETF (XLF)8.3%14.6%0.3354.8%
Equity (SPY)20.0%12.6%1.1635.2%
Gold (GLD)21.2%28.1%0.67-2.0%
Commodities (DBC)33.0%19.1%1.36-21.0%
Real Estate (VNQ)13.9%14.0%0.7035.1%
Bitcoin (BTCUSD)-43.6%42.9%-1.2119.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with UVSP
UVSP14.2%29.9%0.47-
Sector ETF (XLF)10.8%18.5%0.4561.8%
Equity (SPY)12.8%17.1%0.5843.6%
Gold (GLD)17.3%18.4%0.76-3.0%
Commodities (DBC)9.3%19.5%0.375.0%
Real Estate (VNQ)2.7%18.9%0.0443.8%
Bitcoin (BTCUSD)15.2%53.5%0.4618.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with UVSP
UVSP11.2%32.5%0.40-
Sector ETF (XLF)13.5%22.0%0.5669.6%
Equity (SPY)15.1%17.9%0.7249.8%
Gold (GLD)11.5%16.1%0.58-6.2%
Commodities (DBC)7.1%17.9%0.3116.1%
Real Estate (VNQ)5.0%20.7%0.2048.4%
Bitcoin (BTCUSD)58.5%66.2%0.9913.9%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date6302026
Short Interest: Shares Quantity0.7 Mil
Short Interest: % Change Since 615202612.8%
Average Daily Volume0.3 Mil
Days-to-Cover Short Interest2.2 days
Basic Shares Quantity28.0 Mil
Short % of Basic Shares2.6%

Earnings Returns History

Updated 6/2/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20262.1%2.5%7.7%
1/29/2026-2.1%6.0%1.0%
10/23/2025-0.5%-0.6%2.1%
7/24/2025-6.2%-8.5%-4.2%
4/24/20253.3%3.8%4.9%
1/23/2025-0.3%1.9%-0.4%
10/24/20243.8%4.2%14.3%
7/25/20242.7%0.8%-1.5%
...
SUMMARY STATS   
# Positive151514
# Negative889
Median Positive2.7%4.8%7.2%
Median Negative-3.6%-3.9%-3.1%
Max Positive5.6%10.1%30.0%
Max Negative-7.7%-13.2%-12.3%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20262.1%2.5%7.7%
1/29/2026-2.1%6.0%1.0%
10/23/2025-0.5%-0.6%2.1%
7/24/2025-6.2%-8.5%-4.2%
4/24/20253.3%3.8%4.9%
1/23/2025-0.3%1.9%-0.4%
10/24/20243.8%4.2%14.3%
7/25/20242.7%0.8%-1.5%
4/25/20242.7%10.1%11.9%
1/25/20242.1%1.7%-4.2%
10/26/20231.8%-1.3%12.9%
7/27/2023-4.5%-6.0%-12.3%
4/27/2023-3.6%-13.2%-12.3%
1/26/20233.3%7.7%10.8%
10/27/20225.6%6.5%6.7%
7/28/2022-7.7%-6.8%-2.3%
4/27/20221.5%4.8%5.1%
1/27/2022-3.6%-1.6%-3.1%
7/29/20210.5%-1.7%-0.9%
4/29/20211.3%6.1%5.8%
1/28/20212.8%6.8%15.3%
10/29/20205.3%5.3%30.0%
7/23/20204.7%3.2%6.2%
SUMMARY STATS   
# Positive151514
# Negative889
Median Positive2.7%4.8%7.2%
Median Negative-3.6%-3.9%-3.1%
Max Positive5.6%10.1%30.0%
Max Negative-7.7%-13.2%-12.3%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202604/28/202610-Q
12/31/202502/23/202610-K
09/30/202510/24/202510-Q
06/30/202507/29/202510-Q
03/31/202504/29/202510-Q
12/31/202402/24/202510-K
09/30/202410/29/202410-Q
06/30/202407/30/202410-Q
03/31/202404/30/202410-Q
12/31/202302/26/202410-K
09/30/202311/01/202310-Q
06/30/202308/01/202310-Q
03/31/202305/02/202310-Q
12/31/202202/24/202310-K
09/30/202210/28/202210-Q
06/30/202208/02/202210-Q
Collapse to Preview
Report DateFiling DateFiling
03/31/202604/28/202610-Q
12/31/202502/23/202610-K
09/30/202510/24/202510-Q
06/30/202507/29/202510-Q
03/31/202504/29/202510-Q
12/31/202402/24/202510-K
09/30/202410/29/202410-Q
06/30/202407/30/202410-Q
03/31/202404/30/202410-Q
12/31/202302/26/202410-K
09/30/202311/01/202310-Q
06/30/202308/01/202310-Q
03/31/202305/02/202310-Q
12/31/202202/24/202310-K
09/30/202210/28/202210-Q
06/30/202208/02/202210-Q
03/31/202205/03/202210-Q
12/31/202102/25/202210-K
09/30/202111/02/202110-Q
06/30/202108/02/202110-Q
03/31/202105/03/202110-Q
12/31/202002/26/202110-K
09/30/202011/02/202010-Q
06/30/202007/24/202010-Q
03/31/202005/04/202010-Q
12/31/201902/28/202010-K
09/30/201911/01/201910-Q
06/30/201908/02/201910-Q

Insider Activity

Updated 6/9/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Richardson, Brian JSr EVP & CFODirectSell609202640.902,09085,489991,040Form
2Santana, Megan DSr EVP & Chief Risk OfficerDirectSell609202640.832,787113,8031,468,992Form
3Schweitzer, Jeffrey MChairman, President & CEODirectSell609202640.9113,933570,0144,521,213Form
4Keim, Michael SSenior EVP & COODirectSell507202638.717,245280,4272,592,512Form
5Paquin, Natalye DirectSell427202637.8013,000491,400642,767Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Richardson, Brian JSr EVP & CFODirectSell609202640.902,09085,489991,040Form
2Santana, Megan DSr EVP & Chief Risk OfficerDirectSell609202640.832,787113,8031,468,992Form
3Schweitzer, Jeffrey MChairman, President & CEODirectSell609202640.9113,933570,0144,521,213Form
4Keim, Michael SSenior EVP & COODirectSell507202638.717,245280,4272,592,512Form
5Paquin, Natalye DirectSell427202637.8013,000491,400642,767Form
6Paquin, Natalye DirectBuy203202634.5858020,0561,035,006Form
7Schweitzer, Jeffrey MChairman, President & CEODirectSell1215202534.9912,277429,5213,518,526Form
8Keim, Michael SSenior EVP & COODirectSell1215202534.076,696228,1372,090,479Form
9Santana, Megan DSr EVP & Chief Risk OfficerDirectSell1215202535.452,52289,4051,134,805Form
10Richardson, Brian JSr EVP & CFODirectSell1215202534.451,50051,675704,380Form
11Paquin, Natalye DirectBuy1110202529.8165519,525820,187Form
12Petro, Thomas M DirectSell828202531.759,000285,7501,593,616Form
13Paquin, Natalye DirectBuy804202528.2368219,249756,103Form
Core Cache Last Updated: 7/22/2026