US · UVSP
Univest Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Souderton, PA 18964
- Website
- univest.net
Price · as of 2025-12-31
$38.34
Market cap 955.36M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $17.49 | -54.38% |
| Intrinsic Value(DCF) | $30.14 | -21.39% |
| Graham-Dodd Method(GD) | $29.29 | -23.61% |
| Graham Formula(GF) | $36.56 | -4.66% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.64 | $23.74 | $11.32 | $6.79 | $0.11 |
| 2012 | $11.03 | $33.56 | $24.67 | $4.84 | $7.98 |
| 2013 | $13.25 | $40.34 | $17.21 | $10.75 | $13.79 |
| 2014 | $13.35 | $36.01 | $17.37 | $8.20 | $12.44 |
| 2015 | $13.96 | $39.42 | $17.93 | $8.16 | $53.85 |
| 2016 | $19.97 | $27.06 | $19.61 | $7.57 | $21.57 |
| 2017 | $22.11 | $41.01 | $34.76 | $12.35 | $47.58 |
| 2018 | $20.20 | $28.95 | $23.25 | $12.06 | $35.29 |
| 2019 | $18.14 | $41.17 | $23.29 | $16.34 | $43.28 |
| 2020 | $24.98 | $45.53 | $20.38 | $16.83 | $14.60 |
| 2021 | $24.68 | $28.05 | $25.90 | $23.94 | $36.74 |
| 2022 | $23.10 | $41.03 | $25.24 | $21.18 | $53.64 |
| 2023 | $19.03 | $43.56 | $26.41 | $21.86 | $102.37 |
| 2024 | $28.01 | $33.65 | $32.86 | $24.67 | $50.11 |
| 2025 | $34.08 | $17.49 | $40.38 | $29.29 | $36.55 |
AI valuation
Our deep-learning model estimates Univest Financial Corporation's (UVSP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $17.49
- Current price
- $38.34
- AI upside
- -54.38%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$30.14
-21.39% upside
Graham-Dodd
$29.29
-23.61% upside
Graham Formula
$36.56
-4.66% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| UVSP | Univest Financial Corpora… | $38.34 | 955.36M | -54% | -21% | -24% | -5% | 10.79 | 1.04 | 1.89 | 11.35 | 48.00 | 1.29 | 61.04% | 21.87% | 17.51% | 9.92% | 7.92% | 1.10% | 0.40 | 0.60 | 0.40 | 0.00 | 3.17 | 2248.00% | 358.00% | 3462.00% | 9.90% | 0.07 | 8.46% | 2.59% | 27.90% | 6.12% | 11.99 | 14.03 | 2.62 | 0.16 |
| AMAL | Amalgamated Financial Cor… | $38.49 | 1.15B | +2% | +44% | -14% | +93% | 8.32 | 1.25 | 2.03 | -3.12 | 41.01 | 1.28 | 70.33% | 33.38% | 24.45% | 16.46% | -16.33% | 1.31% | 0.47 | 1.22 | 0.24 | 0.24 | 1.81 | 2028.00% | 1382.00% | 565.00% | 13.82% | 0.02 | -18.80% | 1.61% | 13.40% | 1.75% | -3.24 | -3.85 | -1.08 | -0.53 |
| BHRB | Burke & Herbert Financial… | $64.44 | 968.44M | -46% | +962% | +44% | +271% | 8.45 | 1.16 | 2.02 | -0.97 | 3.65 | 1.27 | 69.33% | 29.51% | 23.89% | 14.81% | 50.78% | 1.49% | 0.63 | 0.97 | 3.79 | 3.79 | 3.34 | 23120.00% | 2373.00% | -2298.00% | 6.31% | 0.14 | 27.08% | 0.00% | 0.00% | 0.00% | -0.97 | -2.26 | -0.29 | 0.49 |
| CFFN | Capitol Federal Financial… | $7.18 | 943.73M | +263% | -41% | -23% | +29% | 12.53 | 0.81 | 2.04 | 18.55 | 15.80 | 0.82 | 47.30% | 19.89% | 16.30% | 6.54% | 3.39% | 0.70% | 1.86 | 0.38 | 1.27 | 0.17 | 18.72 | 7931.00% | 1003.00% | 10766.00% | 5.85% | 0.01 | 2.48% | 5.19% | 65.10% | 36.60% | 20.28 | 33.78 | 4.03 | 0.33 |
| DCOM | Dime Community Bancshares… | $32.35 | 1.42B | +29% | +425% | +35% | +63% | 12.81 | 0.96 | 1.94 | -8.70 | 3.87 | 1.08 | 56.12% | 21.47% | 15.15% | 7.71% | -100.70% | 0.75% | 0.25 | 0.57 | 0.25 | 0.25 | -12.65 | 33091.00% | 1303.00% | 9659.00% | 12.87% | 0.01 | -165.98% | 0.00% | 0.00% | 118.47% | -8.70 | -7.48 | -1.87 | -0.53 |
| FMBH | First Mid Bancshares, Inc… | $41.01 | 983.97M | -29% | -6% | -17% | +14% | 10.80 | 1.03 | 2.13 | 1.72 | 67.24 | 1.40 | 72.80% | 25.12% | 19.69% | 10.17% | 45.82% | 1.18% | 0.57 | 1.00 | 0.28 | 0.28 | 2.53 | 1606.00% | 419.00% | -4701.00% | 6.39% | 0.01 | 31.62% | 2.36% | 25.50% | 17.74% | 1.72 | 3.18 | 0.43 | -0.33 |
| FSUN | FirstSun Capital Bancorp | $36.47 | 1.02B | +20% | +24% | +33% | +44% | 14.20 | 1.03 | 1.99 | 5.40 | — | 1.25 | 64.79% | 17.61% | 14.00% | 7.88% | 16.21% | 0.95% | 0.11 | 0.58 | 0.10 | 0.10 | -4.76 | -3407.00% | 1131.00% | -2084.00% | 8.91% | 0.02 | 20.52% | 0.00% | 0.00% | 50.05% | 5.98 | 5.94 | 1.05 | -0.61 |
| HAFC | Hanmi Financial Corporati… | $26.11 | 782.13M | -21% | -14% | -13% | +13% | 10.34 | 0.99 | 1.77 | -0.24 | 46.09 | 1.00 | 57.46% | 24.27% | 17.11% | 9.96% | -149.34% | 0.98% | 0.35 | 0.62 | 3.58 | 3.58 | 0.63 | 2244.00% | 355.00% | 30138.00% | 26.18% | 0.10 | -404.33% | 4.15% | 42.90% | 7.97% | -0.24 | -0.13 | -0.06 | 1.08 |
| MOFG | MidWestOne Financial Grou… | $49.31 | 1.02B | -65% | -45% | — | +1% | -7.90 | 0.85 | 2.31 | 12.33 | — | 1.05 | 29.37% | -40.77% | -29.26% | -11.12% | 11.26% | -0.95% | 0.21 | -0.61 | 0.29 | 0.29 | 1.16 | -36617.00% | -2313.00% | 387.00% | 12.76% | 0.01 | -11.35% | 3.47% | -27.40% | 34.01% | 11.20 | -15.47 | -4.57 | -0.67 |
| SBSI | Southside Bancshares, Inc… | $31.32 | 941.67M | +55% | +190% | +749% | -98% | 13.83 | 0.11 | 2.28 | -7.02 | — | 0.12 | 55.84% | 19.72% | 16.52% | 1.48% | 1.90% | 0.56% | 0.00 | 0.45 | — | — | -0.98 | -2158.00% | -812.00% | -6832.00% | 3.00% | — | 0.79% | 4.53% | 62.70% | 78.45% | -7.02 | -20.19 | -1.38 | 0.23 |
About Univest Financial Corporation
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: Banking, Wealth Management, and Insurance. The Banking segment provides a range of banking services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking, and equipment lease financing services for individuals, businesses, municipalities, and nonprofit organizations. The Wealth Management segment offers investment advisory, financial planning, and trust and brokerage services for private families and individuals, municipal pension plans, retirement plans, and trusts and guardianships. The Insurance segment provides commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. It serves customers primarily in Bucks, Berks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and York counties in Pennsylvania; and Atlantic, Burlington, and Cape May counties in New Jersey through 37 banking offices. 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.
- CEO
- Jeffrey Schweitzer
- Employees
- 892
- Beta
- 0.67
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($30.14 ÷ $38.34) − 1 = -21.39% (DCF, example).