Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UVSP
BuyPremium GrowerFLAGUnivest Financial Corporation · Financial Services · United States · $1.1B · Avg Vol: $9M/d
Univest Financial has strong momentum at M76 with a buyback on file, but value at V44 is below the calibrated floor and quality Q59 is offset, so stage one fails. Insider selling of 0.07% is separately adverse.
COMPANY DESCRIPTION
Univest Financial Corporation is a diversified financial services company operating as a regional bank holding company, offering banking, insurance, investments, and wealth management services to individuals and businesses in Pennsylvania and beyond. Its competitive moat is built on a comprehensive suite of integrated financial solutions and strong community engagement, fostering deep client relationships across its service areas. Univest Financial functions as a full-service financial partner within its regional footprint.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 296.2M | 296.8M | 299.2M | 328.1M | 3.5% | 329.9M | 355.4M | 370.6M | 6.3% |
| EPS | 2.66 | 2.42 | 2.60 | 3.16 | 5.9% | 3.46 | 3.88 | 4.00 | 12.5% |
| Shares | 29.3M | 29.5M | 29.0M | 28.2M | -3.8% | 27.6M | — | — | — |
| Debt | 401.4M | 493.6M | 405.7M | 327.4M | -6.6% | 269.8M | — | — | — |
| Equity | 776.5M | 839.2M | 887.3M | 943.3M | 6.7% | — | — | — | — |
| Op CF | 109.5M | 89.7M | 75.1M | 101.5M | -2.5% | 108.8M | — | — | — |
| Inv CF | -897.6M | -454.4M | -259.7M | -83.7M | — | — | — | — | — |
| Fin CF | 50.8M | 461.7M | 263.7M | 207.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UVSP are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UVSP | Univest Financial Corporation(you) | $1.1B | 75 | Buy |
| CFFN | Capitol Federal Financial, Inc. | $1.1B | 73 | Buy |
| BFST | Business First Bancshares, Inc. | $1.0B | 76 | Buy |
| PEBO | Peoples Bancorp Inc. | $1.4B | 74 | Buy |
| MPB | Mid Penn Bancorp, Inc. | $929M | 73 | Buy |
| NBN | Northeast Bank | $1.1B | 69 | Buy |
| CAC | Camden National Corporation | $957M | 72 | Buy |
| FMBH | First Mid Bancshares, Inc. | $1.3B | 71 | Buy |
| CTBI | Community Trust Bancorp, Inc. | $1.4B | 78 | Buy |
| ORRF | Orrstown Financial Services, Inc. | $825M | 77 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%