8-K Announcements
6Material company update
Apr 24, 2026·SEC
Material company update
Apr 23, 2026·SEC
Material company update
Apr 2, 2026·SEC
Univest Financial Corporation(UVSP)Earnings, Financials & Key Ratios
UVSP•NASDAQ•Banking & Credit
$45.15
14.3× P/E·Price updated Jul 2, 2026
AboutUnivest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in Pennsylvania. It operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment provides a range of banking services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking, and equipment lease financing services for individuals, businesses, municipalities, and nonprofit organizations. The Wealth Management segment offers investment advisory, financial planning, and trust and brokerage services for private families and individuals, municipal pension plans, retirement plans, and trusts and guardianships. The Insurance segment provides commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. It serves customers primarily in Bucks, Berks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and York counties in Pennsylvania; and Atlantic, Burlington, and Cape May counties in New Jersey through 37 banking offices. 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.Show more
- Net Interest Income$240M+13.7%
- Total Revenue$518M+3.6%
- Net Income$91M+19.5%
- Return on Equity9.92%+12.7%
- Net Interest Margin2.85%+9.6%
- Efficiency Ratio39.17%-1.0%
- ROA1.1%+14.8%
- Equity / Assets11.18%+2.4%
- Book Value per Share32.83+8.8%
UVSP Price & Volume
Univest Financial Corporation (UVSP) stock price & volume — 10-year historical chart
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Consistent Regional Expansion Supports Steady Revenue Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Commercial Real Estate Concentration
Key Thesis Takeaways
- Univest Financial Corporation demonstrates a disciplined growth trajectory, evidenced by net interest income rising from $51.0 million in 2024Q2 to $63.4 million in 2026Q1.
- While the bank maintains a stable efficiency ratio near 40%, investors should monitor the potential impact of its commercial real estate concentration in the Philadelphia metropolitan area on future credit loss provisions.
- The firm's ability to balance consistent capital returns, including quarterly share repurchases reaching $15.4 million in 2025Q4, against organic asset growth suggests a sustainable, albeit moderate, long-term outlook.
Verdict Logic
while the bank shows a solid PEG ratio of 0.96, the potential for increased credit costs due to commercial real estate exposure warrants a cautious approach until the provision for loan losses stabilizes below the 2025Q2 peak of $5.7 million.
UVSP Growth Metrics
Univest Financial Corporation (UVSP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years12.87%
5 Years12.93%
3 Years16.23%
TTM-
Profit CAGR
10 Years12.78%
5 Years14.11%
3 Years5.12%
TTM22.34%
EPS CAGR
10 Years8.56%
5 Years14.58%
3 Years6.18%
TTM25.09%
Return on Capital
10 Years7.82%
5 Years8.78%
3 Years7.75%
Last Year8.77%
UVSP Recent Earnings
Univest Financial Corporation (UVSP) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.96+14.3%
$0.84
Rev
$87M+3.7%
$84M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.79+1.3%
$0.78
Rev
$85M+2.5%
$83M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.89+25.4%
$0.71
Rev
$83M+1.9%
$82M
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$0.69-2.8%
$0.71
Rev
$81M-0.1%
$81M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.96vs $0.84+14.3% | $87Mvs $84M+3.7% |
| Q1 2026 | Jan 28, 2026 | $0.79vs $0.78+1.3% | $85Mvs $83M+2.5% |
| Q4 2025 | Oct 22, 2025 | $0.89vs $0.71+25.4% | $83Mvs $82M+1.9% |
| Q3 2025 | Jul 23, 2025 | $0.69vs $0.71-2.8% | $81Mvs $81M-0.1% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Univest Financial Corporation (UVSP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $45.15 | $1.26B | 14.29 | 3.58% | 17.51% | 9.92% | 1.95% | |
| $50.25 | $2.61B | 15.09 | 10.36% | 19.66% | 9.83% | — | |
| $24.46 | $4.68B | 11.76 | 5.03% | 20.93% | 11.45% | — | |
| $61.25 | $625.49M | 17.01 | 28.89% | 25.81% | 12.38% | — | |
| $24.04 | $430.71M | 16.47 | -0.82% | 10.52% | 5.54% | — | |
| $68.03 | $681.04M | 11.57 | 22.26% | 20.68% | 11.5% | — |
Compare UVSP vs Peers
Univest Financial Corporation (UVSP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UVSP SEC Filings & Documents
Univest Financial Corporation (UVSP) SEC filings — annual & quarterly reports (10-K, 10-Q)
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UVSP Frequently Asked Questions
Univest Financial Corporation (UVSP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Univest Financial Corporation growing?
Univest Financial Corporation (UVSP) grew revenue by 3.6% over the past year. Growth has been modest.
Is UVSP profitable?
Yes, Univest Financial Corporation (UVSP) is profitable, generating $95.5M in net income for fiscal year 2025 (17.5% net margin).
Dividend & Returns
Does UVSP pay dividends?
Yes, Univest Financial Corporation (UVSP) pays a dividend with a yield of 1.95%. This makes it attractive for income-focused investors.
What is UVSP's return on equity?
Univest Financial Corporation (UVSP) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.
Industry Metrics
What is Univest Financial Corporation's net interest margin?
Univest Financial Corporation (UVSP) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
What is Univest Financial Corporation's efficiency ratio?
Univest Financial Corporation (UVSP) has an efficiency ratio of 39.2%. This is excellent, indicating strong cost control.