Stock Analysis Report

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Last Updated

2021/08/01 22:10 UTC

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Company Financials +

Executive Summary

Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. More Details

Snowflake Analysis

Flawless balance sheet with solid track record and pays a dividend.

Similar Companies

Share Price & News

How has Univest Financial's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: UVSP is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: UVSP's weekly volatility (4%) has been stable over the past year.

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: UVSP exceeded the US Banks industry which returned 59.1% over the past year.

Return vs Market: UVSP exceeded the US Market which returned 35.9% over the past year.

Shareholder returns

7 Day4.0%0.9%-0.4%
30 Day4.4%-3.6%-0.3%
90 Day-6.5%-4.6%3.1%
1 Year83.9%78.9%63.5%59.1%38.0%35.9%
3 Year9.3%-0.7%17.3%7.2%62.9%52.7%
5 Year43.8%23.2%89.5%65.8%121.3%96.9%

Long-Term Price Volatility Vs. Market

How volatile is Univest Financial's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is Univest Financial undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: UVSP ($27.36) is trading below our estimate of fair value ($37.19)

Significantly Below Fair Value: UVSP is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: UVSP is good value based on its PE Ratio (8.2x) compared to the US Banks industry average (10.7x).

PE vs Market: UVSP is good value based on its PE Ratio (8.2x) compared to the US market (18.1x).

Price to Earnings Growth Ratio

PEG Ratio: UVSP's earnings are forecast to decline next year, so we can't calculate its PEG ratio.

Price to Book Ratio

PB vs Industry: UVSP's PB Ratio (1.1x) is in line with the US Banks industry average.

Future Growth

How is Univest Financial forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: UVSP's earnings are forecast to decline over the next 3 years (-13.3% per year).

Earnings vs Market: UVSP's earnings are forecast to decline over the next 3 years (-13.3% per year).

High Growth Earnings: UVSP's earnings are forecast to decline over the next 3 years.

Revenue vs Market: UVSP's revenue is expected to decline over the next 3 years (-3.5% per year).

High Growth Revenue: UVSP's revenue is forecast to decline over the next 3 years (-3.5% per year).

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if UVSP's Return on Equity is forecast to be high in 3 years time

Past Performance

How has Univest Financial performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: UVSP has high quality earnings.

Growing Profit Margin: UVSP's current net profit margins (34.6%) are higher than last year (18.9%).

Past Earnings Growth Analysis

Earnings Trend: UVSP's earnings have grown significantly by 20.6% per year over the past 5 years.

Accelerating Growth: UVSP's earnings growth over the past year (170%) exceeds its 5-year average (20.6% per year).

Earnings vs Industry: UVSP earnings growth over the past year (170%) exceeded the Banks industry 35%.

Return on Equity

High ROE: UVSP's Return on Equity (13.2%) is considered low.

Financial Health

How is Univest Financial's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: UVSP's Assets to Equity ratio (8.6x) is low.

Allowance for Bad Loans: UVSP has a sufficient allowance for bad loans (233%).

Low Risk Liabilities: 95% of UVSP's liabilities are made up of primarily low risk sources of funding.

Loan Level: UVSP has an appropriate level of Loans to Assets ratio (83%).

Low Risk Deposits: UVSP's Loans to Deposits ratio (99%) is appropriate.

Level of Bad Loans: UVSP has an appropriate level of bad loans (0.6%).


What is Univest Financial current dividend yield, its reliability and sustainability?


Current Dividend Yield

Upcoming Dividend Payment

TodayAug 02 2021Ex Dividend DateAug 10 2021Dividend Pay DateAug 25 202115 days from Ex DividendBuy in the next 7 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: UVSP's dividend (2.92%) is higher than the bottom 25% of dividend payers in the US market (1.31%).

High Dividend: UVSP's dividend (2.92%) is low compared to the top 25% of dividend payers in the US market (3.55%).

Stability and Growth of Payments

Stable Dividend: UVSP's dividends per share have been stable in the past 10 years.

Growing Dividend: UVSP's dividend payments have not increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (24.1%), UVSP's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: UVSP's dividends in 3 years are forecast to be well covered by earnings (32.2% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Jeff Schweitzer (47 yo)





Mr. Jeffrey M. Schweitzer, also known as Jeff, CPA, has been the Chief Executive Officer at Univest Bank and Trust Co., since January 01, 2014. Mr. Schweitzer serves as the Chief Executive Officer and Pres...

CEO Compensation Analysis

Compensation vs Market: Jeff's total compensation ($USD1.71M) is about average for companies of similar size in the US market ($USD2.44M).

Compensation vs Earnings: Jeff's compensation has increased by more than 20% in the past year.

Leadership Team

Experienced Management: UVSP's management team is seasoned and experienced (8.4 years average tenure).

Board Members

Experienced Board: UVSP's board of directors are considered experienced (5 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: UVSP insiders have sold more shares than they have bought in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Univest Financial Corporation's company bio, employee growth, exchange listings and data sources

Key Information

  • Name: Univest Financial Corporation
  • Ticker: UVSP
  • Exchange: NasdaqGS
  • Founded: 1876
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$804.705m
  • Shares outstanding: 29.41m
  • Website:

Number of Employees


  • Univest Financial Corporation
  • 14 North Main Street
  • Souderton
  • Pennsylvania
  • 18964
  • United States



Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in Pennsylvania. It operates through three segments: ...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/08/01 22:10
End of Day Share Price2021/07/30 00:00
Annual Earnings2020/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.