Univest Financial Corporation
- Open
- 43.81
- Day high
- 45.01
- Day low
- 43.48
- Prev close
- 43.75
- Volume
- 116K
- Mkt cap
- $1.2B
- P/E (TTM)
- 13.4
- EPS (TTM)
- $3.35
- P/B
- 1.3
- P/S
- 2.4
- Yield
- 1.00%
- Per share
- $0.45
- ▼Insiders net selling -$1.5M over the last 3 months (0 open-market buys, 5 sales)
- 🏛Institutions accumulating (13F)
Univest Financial Corporation (UVSP) is a Financial Services company listed on NASDAQ. The stock is up 41% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 5 sales (SEC Form 4).
Univest Financial Corporation (UVSP) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
UVSP earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $0.84 | $0.96 | +14.3% | $87M | +3.7% |
| Jan 28, 2026 | $0.78 | $0.79 | +1.3% | $85M | +0.1% |
| Oct 22, 2025 | $0.71 | $0.89 | +25.4% | $83M | +1.9% |
| Jul 23, 2025 | $0.71 | $0.69 | -2.8% | $81M | -0.1% |
| Apr 23, 2025 | $0.64 | $0.77 | +20.3% | $79M | +3.3% |
| Jan 22, 2025 | $0.57 | $0.65 | +14.0% | $77M | +4.6% |
| Oct 23, 2024 | $0.54 | $0.63 | +16.7% | $73M | +0.2% |
| Jul 24, 2024 | $0.51 | $0.62 | +21.6% | $72M | -0.8% |
| Jan 24, 2024 | $0.47 | $0.56 | +19.1% | $71M | -2.6% |
| Oct 25, 2023 | $0.55 | $0.58 | +5.5% | $72M | -1.7% |
| Jul 26, 2023 | $0.57 | $0.62 | +8.8% | $74M | -0.9% |
| Jan 25, 2023 | $0.74 | $0.82 | +10.8% | $82M | +5.1% |
UVSP insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 9, 2026 | Santana Megan Dofficer, other: Sr EVP & Chief Risk Officer | Option | 2,787 | $28.50 |
| Jun 9, 2026 | Santana Megan Dofficer, other: Sr EVP & Chief Risk Officer | Sell | 2,787 | $40.83 |
| Jun 9, 2026 | Richardson Brian Jofficer: Sr EVP & CFO | Option | 2,090 | $28.50 |
| Jun 9, 2026 | SCHWEITZER JEFFREY Mdirector, officer: Chairman, President & CEO | Sell | 13,933 | $40.91 |
| Jun 9, 2026 | Richardson Brian Jofficer: Sr EVP & CFO | Sell | 2,090 | $40.90 |
| Jun 9, 2026 | SCHWEITZER JEFFREY Mdirector, officer: Chairman, President & CEO | Option | 13,933 | $28.50 |
| May 7, 2026 | Keim Michael Sofficer: Senior EVP & COO | Sell | 7,245 | $38.71 |
| May 7, 2026 | Keim Michael Sofficer: Senior EVP & COO | Option | 7,245 | $28.50 |
| Apr 27, 2026 | Paquin Natalyedirector | Sell | 13,000 | $37.80 |
| Mar 17, 2026 | SCHWEITZER JEFFREY Mdirector, officer: Chairman, President & CEO | Tax | 8,018 | $32.72 |
| Mar 17, 2026 | McCormick Patrick Cofficer: SEVP & Chief Comm Bank Officer | Option | 716 | — |
| Mar 17, 2026 | Santana Megan Dofficer, other: Sr EVP & Chief Risk Officer | Option | 661 | — |
| Mar 17, 2026 | Keim Michael Sofficer: Senior EVP & COO | Grant | 2,826 | — |
| Mar 17, 2026 | Monios Eleni Sofficer: EVP & Chief Credit Officer | Tax | 444 | $32.72 |
| Mar 17, 2026 | Monios Eleni Sofficer: EVP & Chief Credit Officer | Option | 372 | — |
Source: UVSP SEC Form 4 filings, latest Jun 9, 2026. For informational purposes only — not investment advice.
See the full UVSP insider & 13F page →Univest Financial Corporation company profile
Overview
Univest Financial Corporation (NASDAQ:UVSP) is a regional bank holding company founded in 1876 and headquartered in Souderton, Pennsylvania. The company operates through its primary subsidiary, Univest Bank and Trust Co., serving customers primarily in southeastern Pennsylvania and southern New Jersey through 37 banking offices. Originally known as Univest Corporation of Pennsylvania, the company changed its name to Univest Financial Corporation in January 2019 and went public in 1998. Univest has evolved from a traditional community bank into a diversified financial services provider offering banking, wealth management, and insurance services to individuals, businesses, municipalities, and nonprofit organizations.
Business
Univest Financial Corporation operates as a diversified financial services company through three primary business segments that collectively serve the financial needs of customers in Pennsylvania and New Jersey. The Banking segment represents the core of Univest's operations, providing traditional banking services including deposit-taking, loan origination and servicing, and mortgage banking. This segment offers checking and savings accounts, certificates of deposit, and various lending products including commercial and industrial loans, commercial real estate loans, residential mortgages, and equipment lease financing. The banking division serves individuals, businesses, municipalities, and nonprofit organizations, focusing particularly on commercial clients with revenues between $5-50 million. This segment generates the majority of the company's revenue through net interest income from the spread between borrowing and lending rates. The Wealth Management segment provides investment advisory services, financial planning, trust services, and brokerage services. This division caters to private families, individuals, municipal pension plans, retirement plans, and various trust arrangements. Wealth management generates fee-based income through asset management fees, typically calculated as a percentage of assets under management, and transaction-based brokerage commissions. The Insurance segment offers commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. This segment operates as an insurance agency, earning commissions from insurance carriers for policies sold and renewed, plus fees for consulting services. While specific revenue breakdowns vary by quarter due to seasonal factors and market conditions, the banking segment typically accounts for approximately 75-80% of total revenue, with wealth management and insurance each contributing roughly 10-15% of total revenues based on recent financial reports.
Revenue model
Univest Financial Corporation generates revenue through multiple complementary business models across its three operating segments, creating diversified income streams that help stabilize overall financial performance. The banking segment operates on a traditional net interest margin model, earning money from the spread between interest paid on deposits and interest earned on loans and securities. The bank collects deposits from customers at relatively low interest rates and lends these funds at higher rates to borrowers, with the difference representing net interest income. Additionally, the banking segment earns fee income from loan origination, mortgage banking activities, and various deposit account services. The wealth management segment follows a fee-based asset management model, charging clients annual fees typically ranging from 0.5% to 1.5% of assets under management, depending on account size and service level. This creates recurring revenue that generally grows with both market appreciation and new client acquisition. The segment also earns transaction-based commissions from brokerage services. The insurance segment operates on a commission-based model, earning commissions from insurance carriers when policies are sold and renewed. These commissions are typically calculated as a percentage of premiums, creating both initial placement income and ongoing renewal income. The segment also generates fee income from human resources consulting services. Several factors can significantly impact Univest's profitability margins. Interest rate environments directly affect net interest margins, with rising rates generally benefiting the bank's variable-rate loan portfolio faster than deposit costs increase, though prolonged high rates can pressure deposit costs and loan demand. Credit quality impacts margins through provision expenses, with economic downturns potentially requiring higher loan loss provisions. Competitive pressure in both loan and deposit markets can compress margins, particularly in the highly competitive southeastern Pennsylvania market. Regulatory changes can affect both operational costs and permissible activities. For the wealth management segment, market volatility directly impacts assets under management and therefore fee income, while the insurance segment benefits from economic growth that drives demand for commercial insurance products.
Competitive moat
Univest Financial Corporation operates with a modest competitive moat primarily built around local market relationships and diversified service offerings, though this moat faces ongoing challenges from larger competitors and technological disruption. The company's strongest defensive characteristics stem from its established local market presence in southeastern Pennsylvania and southern New Jersey, where it has operated for nearly 150 years. This longevity has enabled Univest to build deep relationships with local businesses, municipalities, and families, creating switching costs and customer loyalty that larger national banks often struggle to replicate. The bank's focus on commercial clients with $5-50 million in revenue represents a market segment that values relationship banking and local decision-making capabilities. Univest's diversified business model provides some competitive advantages by offering comprehensive financial services through banking, wealth management, and insurance divisions. This allows the company to deepen customer relationships and generate multiple revenue streams from single clients, increasing customer lifetime value and retention. The wealth management and insurance segments also provide more stable, fee-based income that helps offset the cyclical nature of traditional banking. However, Univest's moat faces significant challenges. The company operates in highly competitive markets where larger regional and national banks possess greater resources, technology capabilities, and geographic diversification. Digital banking innovations continue to reduce the importance of physical branch networks and local presence. Interest rate sensitivity makes the company vulnerable to margin compression during unfavorable rate environments. The relatively small size (approximately $8 billion in assets) limits economies of scale compared to larger competitors. Potential disruption comes from multiple sources: fintech companies offering specialized banking services, larger banks expanding into Univest's markets, and regulatory changes that could favor larger institutions. The company's moat is best characterized as narrow but defendable within its specific geographic and customer segments, requiring continued investment in technology, talent, and customer service to maintain competitive positioning.
Risks & safety
Univest Financial Corporation demonstrates solid financial stability with manageable risk levels, though typical banking sector vulnerabilities remain present. **Liquidity and Solvency:** • Cash and short-term investments: $73.3 million (Q1 2025) • Strong deposit base providing stable funding source • Loan-to-deposit ratio: Targeting 95-100% long-term (currently below target) • No significant solvency concerns with adequate capital ratios **Credit Quality Metrics:** • Net charge-offs: 10 basis points annualized (Q1 2025), 6 basis points for full year 2024 • Non-performing assets to total assets: 43 basis points (Q1 2025) • Provision for credit losses: Reduced guidance to $6-8 million for 2024 • Strong credit quality with minimal deterioration **Valuation Metrics:** • Price-to-earnings ratio: 9.18 (Q1 2025) • Price-to-book ratio: 0.91 (Q1 2025) • Return on equity: 2.48% (Q1 2025), 8.56% (full year 2024) • Trading below book value suggests conservative valuation **Other Considerations:** • Debt-to-equity ratio: 39.2% (reasonable leverage for banking sector) • Active share buyback program demonstrates capital management • Diversified revenue streams provide some stability • Interest rate sensitivity remains key risk factor
Recent development
Over the past several years, Univest Financial Corporation has pursued a strategic transformation focused on geographic expansion, digital platform development, and capital optimization while maintaining its community banking roots. The company has actively expanded its market presence beyond its traditional southeastern Pennsylvania base, establishing operations in Western Pennsylvania and Maryland markets as announced in 2022. This expansion strategy targets commercial clients with revenues between $5-50 million, leveraging Univest's relationship banking model in new geographic markets while supplementing with mortgage and wealth management services. A major strategic initiative has been the development of a comprehensive digital platform integrating core banking systems into a Salesforce ecosystem. This digital transformation aims to combine human relationship banking with modern digital capabilities, improve data utilization, and enhance customer experience while maintaining the personal touch that differentiates community banks from larger competitors. Capital management has become increasingly sophisticated, with Univest implementing an active share buyback program that repurchased 802,535 shares in 2024 (2.25% of shares outstanding). The company has systematically returned capital to shareholders while growing tangible book value per share by 9.01% in 2024. Management targets a loan-to-deposit ratio of 95-100% long-term, methodically managing this ratio while considering seasonal variations from public fund deposits. The company has also focused on diversifying revenue streams and improving operational efficiency. Non-interest income growth has been prioritized, with wealth management fees up 9.8% and insurance revenues up 8% year-over-year in recent quarters. Expense management initiatives have kept non-interest expense growth controlled while investing in technology and talent acquisition. Recent quarters show management's cautious optimism about the business environment, particularly anticipating a more regulatory-friendly environment while remaining vigilant about economic uncertainties affecting commercial customer sentiment. The company continues to evaluate potential merger and acquisition opportunities while maintaining disciplined capital allocation focused primarily on organic growth and shareholder returns.
UVSP company profile · for informational purposes only — not investment advice.
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