Is Univest Financial Corporation (UVSP) Overvalued?
We dive into why Univest Financial Corporation (UVSP) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
What You Need to Know About Univest Financial Corporation's Q3 Earnings
Univest Financial Corporation's fiscal Q3 earnings report was released on Wednesday, July 22. Let's dive in to see if (UVSP) missed or beat analyst's expectations.Michael Rose
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What You Need to Know About Univest Financial Corporation's Q2 Earnings
Univest Financial Corporation's fiscal Q2 earnings report was released on Wednesday, April 22. Let's dive in to see if (UVSP) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | UVSP | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,151.8 | $751.0 | 46% |
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| Shares Out (Mil) | 28.0 | 15.4 | 35% |
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| Institutional Ownership | 98.1% | 83.2% | 77% |
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| Float (Mil) | 26.9 | 21.8 | 34% |
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| Beta | 0.65 | 0.43 | 38% |
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| Avg Daily Volume (000s) | 206 | 42 | 44% |
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| Price Change (52-week) |
39.1% | 94.6% | 74% |
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| Growth | UVSP | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 8.2% | 7.7% | 51% |
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| Net Income (5yr) | 14.1% | 11.1% | 62% |
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| EPS (5yr) | 14.4% | 10.1% | 55 |
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| Dividends (5yr) | 1.9% | 3.6% | 77% |
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| Cash Flow (5yr) | 19.3% | (17.1%) | 79% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $0.973 | $3.807 | $3.927 | |
| Month Ago EPS | $0.927 | $3.660 | $3.777 | |
| # Rev Up | 2 | 2 | 2 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.913 | $3.627 | $3.763 | |
| Year/Year Chg | 18.7% | 21.6% | na | |
| Financials | UVSP | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $330 | $196 | 37% |
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| Net Income (TTM) (Mil) | $98 | $55 | 60% |
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| EPS (TTM) | $3.489 | $2.600 | 80% |
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| Operating Cash Flow (TTM) (Mil) | $109 | $36 | 53% |
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| Net Cash Flow (TTM) (Mil) | $35 | $2 | 67% |
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| Long-Term Debt (Q1) (Mil) | $251 | $101 | 52% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | UVSP | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.21 | 1.25 | 29% |
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| P/E | 12.1 | 12.5 | 25% |
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| Dividend Yield | 2.2% | 2.2% | 78% |
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| PEG (5yr hist) | 0.8 | 1.1 | 39% |
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| Ratios | UVSP | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 29.8% | 29.1% | 88% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 10.5% | 11.3% | 59% |
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| Liabilities to Assets | 88.4% | 89.7% | 82% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.9% |
| +/- S&P 500: | +6.4 |
