📊 UVSP Key Takeaways
Is UNIVEST FINANCIAL Corp (UVSP) a Good Investment?
UVSP demonstrates exceptional operational efficiency with 27.7% net margins and 21.3% EPS growth, supported by conservative 0.22x leverage and robust 96.9M free cash flow generation. While revenue decline of 23.8% YoY warrants monitoring, current earnings quality, balance sheet strength, and profitability metrics indicate a well-capitalized bank navigating headwinds effectively.
Why Buy UNIVEST FINANCIAL Corp Stock? UVSP Key Strengths
- Exceptional profitability with 27.7% net margin and 34.6% operating margin
- Strong earnings growth of 21.3% EPS and 19.5% net income YoY
- Conservative capital structure with 0.22x debt-to-equity ratio and 553.7M cash position
- Robust free cash flow generation of 96.9M with 29.5% FCF margin
- Solid asset base of 8.4B with well-capitalized equity of 943.3M
UVSP Stock Risks: UNIVEST FINANCIAL Corp Investment Risks
- Significant revenue decline of 23.8% YoY raises concerns about earnings sustainability
- Low interest coverage ratio of 1.2x suggests limited margin for stress in operations
- Moderate ROE of 9.6% indicates room for improvement in shareholder value creation
- Vulnerability to interest rate environment changes impacting net interest margins
- High insider activity (17 Form 4 filings in 90 days) requires monitoring for sentiment shifts
Key Metrics to Watch
- Net interest margin trends and interest income composition amid rate environment changes
- Non-performing loan ratio and loan loss provision coverage
- Capital adequacy ratios (Tier 1, Common Equity Tier 1) relative to regulatory minimums
- Revenue stabilization and drivers of income growth sustainability
- Deposit growth rates and funding cost pressures
UNIVEST FINANCIAL Corp (UVSP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 29.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
UVSP Profit Margin, ROE & Profitability Analysis
UVSP vs Finance Sector: How UNIVEST FINANCIAL Corp Compares
How UNIVEST FINANCIAL Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is UNIVEST FINANCIAL Corp Stock Overvalued? UVSP Valuation Analysis 2026
Based on fundamental analysis, UNIVEST FINANCIAL Corp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
UNIVEST FINANCIAL Corp Balance Sheet: UVSP Debt, Cash & Liquidity
UVSP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: UNIVEST FINANCIAL Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.41 reflects profitable operations.
UVSP Revenue Growth, EPS Growth & YoY Performance
UVSP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $73.4M | $18.6M | $0.63 |
| Q2 2025 | $72.0M | $18.1M | $0.62 |
| Q1 2025 | $77.1M | $20.3M | $0.69 |
| Q1 2022 | N/A | $20.3M | $0.68 |
| Q3 2021 | N/A | $18.1M | $0.62 |
| Q2 2021 | N/A | $2.1M | $0.07 |
| Q1 2021 | N/A | $838.0K | $0.03 |
| Q3 2020 | N/A | $17.7M | $0.60 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
UNIVEST FINANCIAL Corp Dividends, Buybacks & Capital Allocation
UVSP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for UNIVEST FINANCIAL Corp (CIK: 0000102212)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UVSP
What is the AI rating for UVSP?
UNIVEST FINANCIAL Corp (UVSP) has an AI rating of BUY with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UVSP's key strengths?
Claude: Exceptional profitability with 27.7% net margin and 34.6% operating margin. Strong earnings growth of 21.3% EPS and 19.5% net income YoY.
What are the risks of investing in UVSP?
Claude: Significant revenue decline of 23.8% YoY raises concerns about earnings sustainability. Low interest coverage ratio of 1.2x suggests limited margin for stress in operations.
What is UVSP's revenue and growth?
UNIVEST FINANCIAL Corp reported revenue of $328.1M.
Does UVSP pay dividends?
UNIVEST FINANCIAL Corp pays dividends, with $25.3M distributed to shareholders in the trailing twelve months.
Where can I find UVSP SEC filings?
Official SEC filings for UNIVEST FINANCIAL Corp (CIK: 0000102212) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UVSP's EPS?
UNIVEST FINANCIAL Corp has a diluted EPS of $3.13.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is UVSP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, UNIVEST FINANCIAL Corp has a BUY rating with 75% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is UVSP stock overvalued or undervalued?
Valuation metrics for UVSP: ROE of 9.6% (sector avg: 12%), net margin of 27.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy UVSP stock in 2026?
Our dual AI analysis gives UNIVEST FINANCIAL Corp a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is UVSP's free cash flow?
UNIVEST FINANCIAL Corp's operating cash flow is $101.5M, with capital expenditures of $4.6M. FCF margin is 29.5%.
How does UVSP compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.7% (avg: 25%), ROE 9.6% (avg: 12%), current ratio N/A (avg: 1.2).