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    Univest Financial (UVSP)

    Market Price (9/20/2026): $42.36 | Market Cap: $1.2 BilSector: Financials | Industry: Regional Banks

    Univest Financial (UVSP)

    Market Price (9/20/2026): $42.36
    Market Cap: $1.2 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 11%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.3%, FCF Yield is 9.0%

    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 24%

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

    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 11%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.3%, FCF Yield is 9.0%
    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 24%
    3 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending.
    4 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

    FYE: 12/31UVSP [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$339.6 Mil—
    FY 2026 Sales$355.1 Mil—
    FY 2027 Sales$370.3 Mil—
    FY 2026 Sales Growth4.5%—
    FY 2027 Sales Growth4.3%12.8%
    EARNINGS
    LTM Net Income (GAAP) [3]$98.4 Mil—
    FY 2026 Net Income (Non-GAAP)$109.5 Mil—
    FY 2027 Net Income (Non-GAAP)$113.0 Mil—
    FY 2027 Net Income Growth3.2%18.1%
    FY 2026 EPS (Non-GAAP)$3.81—
    FY 2027 EPS (Non-GAAP)$3.93—
    FY 2027 EPS Growth3.2%—
    VALUATION
    FY 2026 P/S3.31.6
    FY 2027 P/S3.2—
    FY 2026 P/E10.77.4
    FY 2027 P/E10.4—

    [1] UVSP forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    UVSPS&P 500
    REVENUE GROWTHPOOR
    Rev LTM ($ Bil)0.3
    Rev Chg Q4.1%9.1%
    Rev Chg LTM9.4%8.3%
    Rev Chg 3Y Avg3.1%5.8%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.1
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM32.0%21.8%
    Net Inc Mgn29.0%13.1%
    VALUATIONLOW
    P/S3.53.1
    P/CFO10.814.7
    P/FCF11.119.1
    P/E11.922.4

    AI Analysis | Feedback

    MetricValueDateSource
    Assets under management and supervision5.7 billion9302025Link
    Number of officesmore than 5011062025Link
    Number of employees97912312023Link
    Number of first-time homebuyers financed54512312024Link
    Wealth division client retention rate97%12312022Link
    Value Checking account portfolio year-over-year growth32%12312024Link
    New households as wealth division clients9012312022Link

    Price Chart

    Upcoming
    10/28/2026Earnings ReleaseRev: $90 Mil (E)
    EPS: $0.95 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/1/2026

    Univest Financial (UVSP) stock has gained about 10% since 5/31/2026 because of the following key factors:

    1. Univest Financial (UVSP) reported strong core operating results for fiscal Q2 2026 (ended June 30, 2026), despite an overall earnings per share (EPS) miss. The company announced net income of $23.0 million, or $0.82 diluted EPS, which represented an 18.8% increase compared to diluted EPS of $0.69 in fiscal Q2 2025. While the reported EPS missed Wall Street estimates of $0.87 per share, this was primarily due to a $5.2 million pre-tax valuation adjustment on an other real estate owned (OREO) property, which impacted diluted EPS by $0.15. Excluding this non-core item, underlying financial performance was robust.

    2. The company experienced significant growth in net interest income and net interest margin (NIM) in fiscal Q2 2026. Net interest income increased by 11.3% year-over-year, reaching $66.2 million. Concurrently, the net interest margin expanded by 29 basis points year-over-year, to 3.49%. This growth was driven by increases in average loan balances, higher asset yields, and a reduction in the cost of funding.

    Show more
    Updated on 9/1/2026

    Univest Financial (UVSP) stock has gained about 10% since 5/31/2026 because of the following key factors:

    1. Univest Financial (UVSP) reported strong core operating results for fiscal Q2 2026 (ended June 30, 2026), despite an overall earnings per share (EPS) miss. The company announced net income of $23.0 million, or $0.82 diluted EPS, which represented an 18.8% increase compared to diluted EPS of $0.69 in fiscal Q2 2025. While the reported EPS missed Wall Street estimates of $0.87 per share, this was primarily due to a $5.2 million pre-tax valuation adjustment on an other real estate owned (OREO) property, which impacted diluted EPS by $0.15. Excluding this non-core item, underlying financial performance was robust.

    2. The company experienced significant growth in net interest income and net interest margin (NIM) in fiscal Q2 2026. Net interest income increased by 11.3% year-over-year, reaching $66.2 million. Concurrently, the net interest margin expanded by 29 basis points year-over-year, to 3.49%. This growth was driven by increases in average loan balances, higher asset yields, and a reduction in the cost of funding.

    3. Univest maintained consistent loan and deposit growth, along with active capital management through share repurchases and dividends. Gross loans and leases increased by $101.7 million, or 1.5% (6.0% annualized), from March 31, 2026, primarily due to growth in commercial, construction, and commercial real estate loans. Total deposits also rose by $119.2 million, or 1.8% (7.2% annualized), from March 31, 2026. During fiscal Q2 2026, Univest repurchased 425,539 shares of common stock at an average price of $38.71 per share. Additionally, on July 22, 2026, the company declared a quarterly cash dividend of $0.23 per share, reflecting a growing dividend trend.

    4. Positive analyst sentiment contributed to the stock's performance. Univest Financial has received a consensus "Buy" rating from analysts, with an average rating score of 3.00, based on strong buy and hold ratings. Reports highlighted strong net interest income and a projection of strong future EPS growth rates compared to peers. InvestingPro analysis also suggested that UVSP appeared undervalued at current levels as of mid-August 2026.

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    Stock Movement Drivers

    Fundamental Drivers

    The 8.3% change in UVSP stock from 5/31/2026 to 9/19/2026 was primarily driven by a 3.9% change in the company's P/E Multiple.
    (LTM values as of)53120269192026Change
    Stock Price ($)39.2442.488.3%
    Change Contribution By: 
    Total Revenues ($ Mil)3363401.0%
    Net Income Margin (%)28.4%29.0%2.1%
    P/E Multiple11.512.03.9%
    Shares Outstanding (Mil)28281.0%
    Cumulative Contribution8.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/19/2026
    ReturnCorrelation
    UVSP8.3% 
    Market (SPY)0.9%-3.2%
    Sector (XLF)8.3%43.7%

    Fundamental Drivers

    The 28.0% change in UVSP stock from 2/28/2026 to 9/19/2026 was primarily driven by a 15.4% change in the company's P/E Multiple.
    (LTM values as of)22820269192026Change
    Stock Price ($)33.1842.4828.0%
    Change Contribution By: 
    Total Revenues ($ Mil)3283403.5%
    Net Income Margin (%)27.7%29.0%4.8%
    P/E Multiple10.412.015.4%
    Shares Outstanding (Mil)28282.3%
    Cumulative Contribution28.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/19/2026
    ReturnCorrelation
    UVSP28.0% 
    Market (SPY)11.6%21.6%
    Sector (XLF)9.2%48.0%

    Fundamental Drivers

    The 37.5% change in UVSP stock from 8/31/2025 to 9/19/2026 was primarily driven by a 12.6% change in the company's Net Income Margin (%).
    (LTM values as of)83120259192026Change
    Stock Price ($)30.8942.4837.5%
    Change Contribution By: 
    Total Revenues ($ Mil)3103409.4%
    Net Income Margin (%)25.7%29.0%12.6%
    P/E Multiple11.212.07.3%
    Shares Outstanding (Mil)29284.0%
    Cumulative Contribution37.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/19/2026
    ReturnCorrelation
    UVSP37.5% 
    Market (SPY)19.4%30.1%
    Sector (XLF)4.7%53.2%

    Fundamental Drivers

    The 159.5% change in UVSP stock from 8/31/2023 to 9/19/2026 was primarily driven by a 104.9% change in the company's P/E Multiple.
    (LTM values as of)83120239192026Change
    Stock Price ($)16.3742.48159.5%
    Change Contribution By: 
    Total Revenues ($ Mil)3123408.9%
    Net Income Margin (%)26.5%29.0%9.6%
    P/E Multiple5.812.0104.9%
    Shares Outstanding (Mil)29286.1%
    Cumulative Contribution159.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/19/2026
    ReturnCorrelation
    UVSP159.5% 
    Market (SPY)75.6%43.0%
    Sector (XLF)69.8%62.2%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    UVSP Return50%-10%-12%39%14%32%148%
    Peers Return35%-12%-2%16%15%15%80%
    S&P 500 Return27%-19%24%23%16%12%103%

    Monthly Win Rates [3]
    UVSP Win Rate67%42%50%58%67%89% 
    Peers Win Rate63%52%52%57%60%56% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    UVSP Max Drawdown-15%-23%-43%-16%-20%-9% 
    Peers Max Drawdown-22%-29%-38%-19%-23%-19% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, FITB, MTB, HBAN.
    [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 9/18/2026 (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, FITB, MTB, HBAN

    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, FITB, MTB, HBAN

    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.
    ```

    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.

    Peer Outperformance in Regional Banks

    UVSP has outperformed 68% of its 264 Regional Banks peers over 5Y. Among the peers that beat it is BPOP. Regional Banks ranks 6th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that UVSP has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    80%
    of 288 industry peers · 39.5% return
    3Y
    95%
    of 277 industry peers · 172.0% return
    5Y
    68%
    of 264 industry peers · 93.9% return
    Regional Banks peers with revenue growth within 4pp of UVSP's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    UVSP Univest Financial 3.1% 12.0x 39.5%172.0%93.9% —
    BPOP Popular 2.8% 10.7x 29.5%178.8%159.8% +66pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is UVSP's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 24.2%69.4%131.5% SPNT 168% · RGA 148% · RNR 137%
    Investment Banking & Brokerage 13 -1.7%101.3%116.9% IBKR 524% · SNEX 253% · HOOD 194%
    Diversified Banks 12 27.5%126.2%116.7% CM 161% · JPM 159% · RY 148%
    Life & Health Insurance 20 8.6%55.4%105.0% JXN 545% · UNM 364% · FG 207%
    Multi-Sector Holdings 4 6.8%48.5%85.7% JONE 361% · BRK-B 86% · VOYA 85%
    Regional Banks ← 265 23.9%90.9%67.3% ESQ 387% · GCBC 342% · VBNK 335%
    Property & Casualty Insurance 42 9.6%65.9%66.8% ASIC 2760900% · HRTG 460% · UVE 321%
    Multi-line Insurance 9 8.8%72.1%63.7% GNW 197% · L 110% · SLF 103%
    Financial Exchanges & Data 15 -0.1%13.1%32.9% VIRT 183% · CBOE 139% · CME 81%
    Diversified Financial Services 4 -7.3%16.8%32.0% FRHC 173% · EQH 118% · TMS -54%
    Consumer Finance 30 1.7%85.7%29.3% ENVA 458% · EZPW 338% · FCFS 169%
    Insurance Brokers 16 -15.1%-6.9%20.9% LIFE 252% · ARX 87% · AJG 73%
    Asset Management & Custody Banks 84 -11.7%15.2%12.8% WT 338% · SII 278% · VCTR 273%
    Commercial & Residential Mortgage Finance 14 -50.2%26.4%12.3% FNMA 473% · FMCC 441% · ACT 206%
    Specialized Finance 3 14.0%37.3%-3.4% EFC 27% · CACC -3% · HASI -15%
    Mortgage REITs 33 -13.0%4.7%-15.7% NREF 53% · RITM 42% · DX 34%
    Transaction & Payment Processing Services 15 -1.0%-8.4%-44.2% V 74% · MA 71% · CPAY 56%
    Diversified Capital Markets 20 -36.3%17.2%-56.0% OPY 197% · LPLA 135% · GOLD 94%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

    Latest Trefis Analyses

    Title
    0ARTICLES

    Recent Active Movers

    Top Gainers

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    SDGRSchrodinger2.252.6%62.3%
    PSPershing Square19.932.3%106.6%
    BBNXBeta Bionics1.032.1%-28.2%
    TEMTempus AI14.031.9%31.8%
    SECZSecuritize1.631.3%-11.7%
    TWSTTwist Bioscience10.431.3%426.5%
    EMATEvolution Metals & Technologies2.530.5%-81.1%
    GEMIGemini Space Station0.730.3%-41.4%
    RUMRumble2.626.8%43.8%
    ALMRAlamar Biosciences2.025.0%58.4%

    Top Losers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    ADBTAdvasa0.1-47.1%-98.0%
    SWMRSwarmer0.4-39.4%-22.6%
    ALHCAlignment Healthcare1.7-33.8%-57.7%
    XENEXenon Pharmaceuticals4.0-32.2%-11.3%
    FLNCFluence Energy1.0-26.3%-63.0%
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    DMRADamora Therapeutics1.4-19.6%-1.8%
    IONSIonis Pharmaceuticals7.4-18.0%-43.8%

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    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    SECZSecuritize1.680.1%-11.7%
    FWDIForward Industries0.755.9%16.5%
    PURRHyperliquid Strategies1.750.1%295.8%
    GEMIGemini Space Station0.747.8%-41.4%
    MSTRStrategy54.347.6%1.3%
    SMTCSemtech17.247.6%151.1%
    CVICVR Energy5.446.3%112.4%
    SDGRSchrodinger2.246.2%62.3%
    EMATEvolution Metals & Technologies2.541.1%-81.1%
    ACVAACV Auctions1.840.3%30.7%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    ALMSAlumis1.0-67.6%-20.4%
    IESCIES12.8-47.5%-17.2%
    SWMRSwarmer0.4-46.9%-22.6%
    RAREUltragenyx Pharmaceutical1.5-44.7%-36.9%
    TTANServiceTitan5.2-42.1%-48.3%
    FLNCFluence Energy1.0-39.4%-63.0%
    KRMNKarman4.7-38.6%-51.1%
    XENEXenon Pharmaceuticals4.0-36.2%-11.3%
    DYNDyne Therapeutics2.8-36.1%-12.5%
    DKSDick's Sporting Goods10.7-36.1%-37.5%

    More From Trefis

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    Peer Comparisons

    Peers to compare with:

    Financials

    UVSPNEWTATLOFITBMTBHBANMedian
    NameUnivest .NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    Mkt Price42.4811.5631.9152.91227.3115.8837.20
    Mkt Cap1.20.30.348.233.232.116.6
    Rev LTM3402777310,4909,8239,6835,011
    Op Inc LTM-------
    FCF LTM106-740212,8963,5952,6831,394
    FCF 3Y Avg87-373173,3423,4942,3831,235
    CFO LTM109-739223,6653,8043,0621,585
    CFO 3Y Avg91-373193,9123,7042,6211,356

    Growth & Margins

    UVSPNEWTATLOFITBMTBHBANMedian
    NameUnivest .NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    Rev Chg LTM9.4%7.8%21.3%23.8%4.7%26.1%15.4%
    Rev Chg 3Y Avg3.1%26.8%8.1%7.4%0.9%9.1%7.8%
    Rev Chg Q4.1%7.0%18.5%45.3%4.1%46.4%12.7%
    QoQ Delta Rev Chg LTM1.0%1.7%4.3%10.6%1.0%10.2%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 LTM32.0%-267.4%30.3%34.9%38.7%31.6%31.8%
    CFO/Rev 3Y Avg28.6%-138.6%30.2%43.8%39.2%32.1%31.2%
    FCF/Rev LTM31.2%-267.5%28.9%27.6%36.6%27.7%28.3%
    FCF/Rev 3Y Avg27.4%-138.7%27.9%37.6%37.0%29.3%28.6%

    Valuation

    UVSPNEWTATLOFITBMTBHBANMedian
    NameUnivest .NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    Mkt Cap1.20.30.348.233.232.116.6
    P/S3.51.23.94.63.43.33.4
    P/Op Inc-------
    P/EBIT-------
    P/E12.05.012.320.610.913.412.1
    P/CFO10.8-0.412.813.28.710.510.7
    Total Yield10.5%29.1%10.9%7.5%11.9%10.6%10.8%
    Dividend Yield2.2%9.3%2.8%2.7%2.7%3.2%2.7%
    FCF Yield 3Y Avg9.5%-103.1%8.9%10.9%11.8%9.5%9.5%
    D/E0.21.70.10.40.50.70.5
    Net D/E0.00.6-1.7-0.9-0.70.0-0.3

    Returns

    UVSPNEWTATLOFITBMTBHBANMedian
    NameUnivest .NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    1M Rtn1.7%-7.5%1.3%-2.9%-4.0%-5.7%-3.4%
    3M Rtn2.5%-15.8%9.1%1.0%1.6%-4.9%1.3%
    6M Rtn30.4%6.1%21.4%21.7%16.3%7.2%18.9%
    12M Rtn39.5%0.1%59.4%18.7%15.7%-6.9%17.2%
    3Y Rtn172.0%-11.4%108.2%121.0%97.0%71.1%102.6%
    1M Excs Rtn2.7%-7.5%3.5%-3.0%-5.7%-5.9%-4.3%
    3M Excs Rtn0.5%-17.8%7.1%-1.0%-0.4%-6.9%-0.7%
    6M Excs Rtn14.2%-12.3%4.2%7.3%1.6%-9.1%2.9%
    12M Excs Rtn26.6%-13.5%45.8%3.2%1.8%-21.9%2.5%
    3Y Excs Rtn95.6%-84.7%32.6%46.2%26.4%-0.3%29.5%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date7/28/20264/28/20262/23/202610/24/20257/29/20254/29/20252/24/202510/29/20247/30/20244/30/20242/26/202411/1/2023
    Key Financials Quarterly            
    Total Revenue848785838179777372777172
    Net Income232723262022191918201617
    EPS0.830.970.800.890.690.770.650.640.620.690.550.58
    Key Financials TTM            
    Total Revenue TTM340336328320310301299294293295297308
    Net Income TTM989591878078767372707179
    Growth Rates Quarterly            
    Total Revenue Growth4.1%10.4%10.1%13.5%12.5%2.8%7.6%1.5%-2.9%-2.4%-13.3%-5.2%
    Net Income Growth14.9%21.0%20.1%38.0%10.3%10.3%16.5%9.2%7.8%-3.5%-31.8%-18.2%
    Margins Quarterly            
    Net Income Margin27.2%31.0%26.9%30.8%24.7%28.3%24.7%25.3%25.1%26.3%22.8%23.5%
    Cash & Debt            
    Total Cash204233562824169177686859534552601625
    Total Debt251302327359380354406406432433494503
    Net Debt / (Cash)4669-235-465210178-280-452-102-120-108-122
    Cash Flows Quarterly            
    FCF from Operations2422313223162839-3122822
    Cash Flows TTM            
    FCF from Operations TTM1091081029910679757558819088
    Returns to Shareholders Quarterly            
    Dividends676666666666
    Share Repurchases171415858444700
    Return on Invested Capital (ROIC) Quarterly            
    ROIC34.7%34.3%276.2%-15.7%18.6%291.8%-35.9%43.2%30.5%38.6%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM37.2%30.2%275.6%-15.7%16.2%292.5%-35.5%37.4%33.4%44.6%

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking283256257254234
    Wealth Management3230272828
    Insurance2222222017
    Other-9-9-9-6-7
    Total328299297296272


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


    Net Income by Segment
    $ Mil20252024202320222021
    Banking9277727590
    Wealth Management75467
    Insurance44433
    Other-13-10-9-5-8
    Total9176717892


    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$42.48 
    Market Cap ($ Bil)1.2 
    First Trading Date04/16/1998 
    Distance from 52W High-5.6% 
       50 Days200 Days
    DMA Price$42.97$37.77
    DMA Trendupindeterminate
    Distance from DMA-1.1%12.5%
     3M1YR
    Volatility18.1%23.5%
    Downside Capture-10.4239.37
    Upside Capture4.0271.64
    Correlation (SPY)-3.0%30.1%
    UVSP Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta0.120.17-0.100.300.570.83
    Up Beta0.910.35-0.240.320.690.80
    Down Beta-1.25-0.69-0.41-0.060.360.80
    Up Capture-55%-2%19%55%63%89%
    Bmk +ve Days10213268138427
    Stock +ve Days10193470128378
    Down Capture58%77%-7%21%57%92%
    Bmk -ve Days11213259113324
    Stock -ve Days11233056121368

    [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
    UVSP42.7%23.7%1.43-
    Sector ETF (XLF)4.5%14.6%0.0852.7%
    Equity (SPY)16.9%12.9%0.9430.1%
    Gold (GLD)19.1%29.3%0.60-5.7%
    Commodities (DBC)46.3%20.6%1.73-25.1%
    Real Estate (VNQ)4.9%13.6%0.1034.1%
    Bitcoin (BTCUSD)-30.6%44.3%-0.7013.3%

    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
    UVSP14.0%29.6%0.46-
    Sector ETF (XLF)10.1%18.4%0.4161.3%
    Equity (SPY)12.9%17.2%0.5743.2%
    Gold (GLD)19.1%18.8%0.83-3.7%
    Commodities (DBC)11.2%19.5%0.453.8%
    Real Estate (VNQ)1.1%18.8%-0.0543.4%
    Bitcoin (BTCUSD)12.5%52.5%0.4217.1%

    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
    UVSP9.5%32.5%0.35-
    Sector ETF (XLF)12.9%22.1%0.5369.6%
    Equity (SPY)15.1%18.0%0.7249.6%
    Gold (GLD)12.1%16.4%0.61-6.3%
    Commodities (DBC)8.3%18.1%0.3715.6%
    Real Estate (VNQ)4.4%20.7%0.1848.5%
    Bitcoin (BTCUSD)62.6%66.2%1.0213.9%

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

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity0.7 Mil
    Short Interest: % Change Since 81520265.7%
    Average Daily Volume0.2 Mil
    Days-to-Cover Short Interest4.5 days
    Basic Shares Quantity27.7 Mil
    Short % of Basic Shares2.7%

    Returns Analyses

    Earnings Returns History

    Updated 8/25/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/20260.9%1.9%-4.1%
    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%
    ...
    SUMMARY STATS   
    # Positive151513
    # Negative8810
    Median Positive2.7%4.8%7.7%
    Median Negative-3.6%-3.9%-3.6%
    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
    7/23/20260.9%1.9%-4.1%
    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%
    4/25/20242.8%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%
    SUMMARY STATS   
    # Positive151513
    # Negative8810
    Median Positive2.7%4.8%7.7%
    Median Negative-3.6%-3.9%-3.6%
    Max Positive5.6%10.1%30.0%
    Max Negative-7.7%-13.2%-12.3%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202607/28/202610-Q
    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
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202607/28/202610-Q
    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

    Insider Activity

    Updated 8/24/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Petro, Thomas M DirectSell824202641.695,000208,4501,969,376Form
    2Turner, Michael L DirectSell814202643.038,000344,2801,062,279Form
    3Richardson, Brian JSr EVP & CFODirectSell609202640.902,09085,489991,040Form
    4Santana, Megan DSr EVP & Chief Risk OfficerDirectSell609202640.832,787113,8031,468,992Form
    5Schweitzer, Jeffrey MChairman, President & CEODirectSell609202640.9113,933570,0144,521,213Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Petro, Thomas M DirectSell824202641.695,000208,4501,969,376Form
    2Turner, Michael L DirectSell814202643.038,000344,2801,062,279Form
    3Richardson, Brian JSr EVP & CFODirectSell609202640.902,09085,489991,040Form
    4Santana, Megan DSr EVP & Chief Risk OfficerDirectSell609202640.832,787113,8031,468,992Form
    5Schweitzer, Jeffrey MChairman, President & CEODirectSell609202640.9113,933570,0144,521,213Form
    6Keim, Michael SSenior EVP & COODirectSell507202638.717,245280,4272,592,512Form
    7Paquin, Natalye DirectSell427202637.8013,000491,400642,767Form
    8Paquin, Natalye DirectBuy203202634.5858020,0561,035,006Form
    9Schweitzer, Jeffrey MChairman, President & CEODirectSell1215202534.9912,277429,5213,518,526Form
    10Keim, Michael SSenior EVP & COODirectSell1215202534.076,696228,1372,090,479Form
    11Santana, Megan DSr EVP & Chief Risk OfficerDirectSell1215202535.452,52289,4051,134,805Form
    12Richardson, Brian JSr EVP & CFODirectSell1215202534.451,50051,675704,380Form
    13Paquin, Natalye DirectBuy1110202529.8165519,525820,187Form
    14Petro, Thomas M DirectSell828202531.759,000285,7501,593,616Form
    15Paquin, Natalye DirectBuy804202528.2368219,249756,103Form

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