UVSP
Univest Financial Corporation
UVSP's fundamentals are mixed: revenue grew 8.2%, while its operating margin held steady at 34%. At 12x earnings, it's trading above its usual 11x. Analysts expect earnings growth.
UVSP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UVSP's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UVSP.
UVSP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $27.35 | -33% |
| Forward | 10x | $40.74 | — |
| Fair | 11x | $35.68 | -12% |
| Expensive | 12x | $40.81 | +0.2% |
| Current | 12x | $40.74 | — |
Historical ranges are pointers, not guarantees.
UVSP's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its fair range.
UVSP Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UVSP, with profitability improving.
UVSP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.90 | +17% |
| Q3 2026 | $3.34 | +12% |
| Q2 2026 | $3.45 | +26% |
| Q1 2026 | $3.32 | +25% |
| Q4 2025 | $3.13 | +21% |
| Q3 2025 | $2.99 | +20% |
| Q2 2025 | $2.73 | +12% |
| Q1 2025 | $2.66 | +11% |
| Q4 2024 | $2.58 | +7.1% |
UVSP's earnings per share have climbed steadily: $3.34 over the past year, up 12% from the year before, and higher year over year for eight quarters in a row.
UVSP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $90M | +8.1% |
| Q2 2026 | $84.4M | +4.1% |
| Q1 2026 | $87.5M | +10% |
| Q4 2025 | $84.6M | +10% |
| Q3 2025 | $83.2M | +13% |
| Q2 2025 | $81M | +13% |
| Q1 2025 | $79.2M | +2.8% |
| Q4 2024 | $76.8M | +7.6% |
UVSP's revenue has grown year over year for nine quarters in a row: $90M last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -8.5 points |
| Q2 2026 | 34% | +3 points |
| Q1 2026 | 38% | +3.5 points |
| Q4 2025 | 34% | +3 points |
| Q3 2025 | 39% | +6.6 points |
| Q2 2025 | 31% | -0.5 points |
| Q1 2025 | 35% | +1.6 points |
| Q4 2024 | 31% | +2.4 points |
UVSP's operating margin was 30% last quarter, down 8.5 points from the same quarter a year ago.
UVSP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $45.2M | +44% |
| Q2 2026 | $22.9M | +4.5% |
| Q1 2026 | $21.6M | +58% |
| Q4 2025 | $30M | +9.5% |
| Q3 2025 | $31.4M | -18% |
| Q2 2025 | $21.9M | +$26.1M |
| Q1 2025 | $13.7M | +30% |
| Q4 2024 | $27.4M | +3.9% |
UVSP's free cash flow was $120M over the past year, up 27% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UVSP.
UVSP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -215K shares |
| 1 year | -4.2% | -1.2M shares |
| 3 years | -6.1% | -1.8M shares |
| 5 years | -6.1% | -1.8M shares |
| Available history | -5.3% | -1.6M shares |
UVSP has 28M diluted shares, down 4.2% from a year ago, with $57M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $12.9M |
| Q2 2026 | $16.6M |
| Q1 2026 | $11.9M |
| Q4 2025 | $15.4M |
| Q3 2025 | $7.8M |
| Q2 2025 | $4.9M |
| Q1 2025 | $6.5M |
| Q4 2024 | $4.2M |
UVSP spent $57M buying back its own shares over the past year, up 143% from the year before.
UVSP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.3x | Healthy |
| Q2 2026 | 1.3x | Healthy |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 2.2x | Moderate |
| Q3 2025 | 2.4x | Moderate |
| Q2 2025 | 2.7x | Moderate |
| Q1 2025 | 2.5x | Moderate |
| Q4 2024 | 3.1x | Elevated |
UVSP's net debt is about 1.3 years of its operating earnings (EBITDA), down from 2.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UVSP.
UVSP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.9 | Neutral |
| Stochastic | 24.4 | Neutral |
UVSP's weekly RSI is 50 (neutral) and its Stochastic is 24 (neutral).
UVSP PE vs Financial Services Sector
| Metric | UVSP | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 6.3% below |
| PE % | 82 | 63 | 19 pts above |
UVSP is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
UVSP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $41.1 | 0.9% below |
| 20 week MA | $42.3 | 3.7% below |
| 50 week MA | $38.6 | 5.6% above |
| 100 week MA | $34.2 | 19% above |
| 200 week MA | $28.3 | 44% above |
UVSP has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 44% above its 200-week average.
UVSP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.7 | $20.4 | -24% |
| 2021 | $20.4 | $29.7 | +46% |
| 2022 | $29.7 | $26.3 | -12% |
| 2023 | $26.3 | $22.0 | -16% |
| 2024 | $22.0 | $29.5 | +34% |
| 2025 | $29.5 | $33.4 | +13% |
| 2026 YTD | $33.4 | $40.7 | +22% |
UVSP has finished lower in three of the last six years. It's up 22% so far in 2026.