Univest Financial (UVSP) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Univest Financial

NasdaqGS•Financial Services•Banks - Regional

$42.55-0.13(<0.01%)After hours

Market Cap

$1.19B

P/E

12.1x

P/S

3.5x

P/B

1.2x

Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking; Wealth Management; and Insurance. The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing. The Wealth Management segment provides investment advisory, financial planning and trust, and brokerage services for private families and individuals, municipal pension plans, retirement plans, trusts, and guardianships. The Insurance segment offers full-service insurance brokerage agency comprising commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting services. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.

How this company scores

WeakMetricSide Score: 79/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Growth (21/25); weakest: Balance Sheet & Red Flags (17/25).

Profitability20/25

Growth21/25

Balance Sheet & Red Flags17/25

Cash & Earnings Quality21/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.1x5y range 6.5x – 12.1x

Currently near its 20-quarter median.

P/S · 3.5x5y range 1.7x – 3.5x

Currently above its 20-quarter median.

P/B · 1.2x5y range 0.6x – 1.2x

Price & Volume

Market Cap $1.19B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $339.63M
Q. Revenue: $84.35M
TTM EBITDA: $131.19M
TTM Op. Income: $122.82M
Q. Op. Income: $28.56M
TTM Net Income: $98.43M
Q. Net Income: $22.95M
EPS: $0.83
Shares Out.: $27.96M

$339.63M in TTM revenue grew 9.4% YoY, reaching $84.35M last quarter. TTM EBITDA of $131.19M and TTM operating income of $122.82M show growth is flowing through to the bottom line. TTM net income of $98.43M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 35.6%
Op. Margin: 33.9%
Net Margin: 27.2%

Op. margin of 33.9% is up 3.0% YoY — cost efficiency is improving. Net margin at 27.2% Over the past year, operating margin is up 10% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.1x
P/S Ratio: 3.5x
P/B Ratio: 1.2x

At 12.1x P/E, the stock trades below typical market levels. P/S of 3.5x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 11% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $8.20B
Cash: $195.32M
Long-Term Debt: $223.99M
Book Value: $954.25M
D/E Ratio: 0.2
Debt/EBITDA: 7.5

With $8.20B in assets and $223.99M in long-term debt, D/E is 0.2and book value is $954.25M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 4 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $23.96M
TTM Free Cash Flow: $105.82M
FCF Margin: 31.2%
FCF / Net Income: 1.1

TTM FCF of $105.82M on $23.96M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.