# Univest Financial Corporation (UVSP)

> Source: Nexqual · https://nexqual.com/UVSP · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Univest Financial Corporation (UVSP), nexqual.com/UVSP" · informational, not investment advice.

**Price:** USD 42.28 (+1.32% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 41.73 · day 41.78–42.58 · 52w 28.2–45.46 · market cap $1.17B · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $340M, net income $98.4M (29.0% margin) (SEC filings).
- Valuation: P/E 11.8x (avg 10.4x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold UVSP (13F, Q2 2026): 0 new, 0 added, 1 reduced, 0 unchanged.
- Analysts: Hold (mean 3.00 on a 1–5 scale) (3 analysts), mean target USD 45.5 (range 43.5–47).
- Total return with dividends: 1Y +46.0% vs S&P 500 +14.9%; 5Y +71.4% vs S&P 500 +80.3%.
- Next earnings: 2026-10-28, EPS estimate USD 0.98, revenue estimate $90.6M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $272M | $296M | $297M | $299M | $328M | $340M |
| Net income | $91.8M | $78.1M | $71.1M | $75.9M | $90.8M | $98.4M |
| EPS (diluted) | $3.11 | $2.64 | $2.41 | $2.58 | $3.13 | — |
| Free cash flow | $96.5M | $104M | $83.0M | $72.0M | $96.9M | $106M |
| Net margin | 33.8% | 26.4% | 24.0% | 25.4% | 27.7% | 29.0% |
| Revenue growth | +7.5% | +9.0% | +0.2% | +0.8% | +9.6% | — |
| Cash + short-term investments | $890M | $153M | $250M | $329M | $554M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 11.8x · P/S 3.4x · P/FCF 11.0x · P/B 1.2x · FCF yield 9.07% · Earnings yield 8.44% · Dividend yield (paid, TTM) 2.19% · Buyback yield (TTM) 4.43%
P/E at fiscal year-ends: Dec 2025 10.5x, Dec 2024 11.4x, Dec 2023 9.2x.

## Superinvestors (SEC 13F-HR, Q2 2026)
1 of 80 tracked investors hold UVSP. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Richard Pzena | Pzena Investment Management | 0.11% | $36.5M | Reduced -0.9% |

## Analysts
Consensus Hold (mean 3.00 on a 1–5 scale), 3 analysts; mean target USD 45.5 (low 43.5, high 47).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-24 | Keefe, Bruyette & Woods | Target raised | Market Perform | $45 → $47 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-18) |
|---|---|---|
| Total return | +46.0% | +71.4% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +46.2% | +11.3% |
| Volatility (annualized) | 22.2% | 27.9% |
| Max drawdown | -10.2% (Jul 2026→Oct 2026) | -45.1% (Jan 2022→May 2023) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 3.95 -2.47% · FITB (Fifth Third Bancorp) USD 53.23 +0.80% · DB (Deutsche Bank AG) USD 31.48 -2.39% · TFC (Truist Financial Corporation) USD 48.42 +1.45% · NWG (NatWest Group plc) USD 16.99 -2.30% · NU (Nu Holdings Ltd.) USD 14.73 -2.13%

## More
Full page: https://nexqual.com/UVSP · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $0.98 | $0.93 | +5.4% | $90.6M | 3 |
| Next quarter (ends 2026-12-31) | $0.96 | $0.90 | +7.2% | $90.4M | 2 |
| Current fiscal year (ends 2026-12-31) | $3.81 | $3.66 | +4.1% | $355.3M | 3 |
| Next fiscal year (ends 2027-12-31) | $3.96 | $3.78 | +4.9% | $368.7M | 3 |