Stocks · Financial Services · Banks - Regional
Univest Financial Corporation UVSP
$41.81 +1.43% Close, Oct 2, 2026 · NASDAQ · Market cap $1.15B
Strong trend
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 12.0× trailing earnings, higher than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 225 trading days, with the 50-day average above the 200-day.
- Diluted EPS over the last four quarters was $3.47, up 26.6% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth33Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 34%
- EPS growth (TTM, YoY)Top 41%
- FCF growth (TTM, YoY)Bottom 33%
- Revenue growth, 3-year CAGRTop 45%
- Revenue growth accelerationBottom 39%
Quality39Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 48%
- Gross marginBottom 46%
- Operating marginTop 45%
- Cash conversion (OCF / net income)Bottom 45%
- Accruals (lower is better)Bottom 41%
- Net debt / EBITDA (lower is better)Bottom 39%
- Interest coverBottom 36%
Value54Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 33%
- Free-cash-flow yieldTop 43%
- EBITDA / enterprise valueTop 36%
- Sales / enterprise valueTop 41%
- P/E vs own 5-year history (lower is better)Bottom 7%
Momentum82Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 13%
- 6-month returnTop 21%
- 1-year return vs S&P 500Top 12%
- Distance from 52-week highTop 40%
- Trend checklist (0–4)Top 48%
Revisions13Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 32%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetBottom 1%
Stability64Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 25%
- Maximum drawdown, 3 yearsTop 29%
- Beta vs S&P 500 (lower is better)Bottom 45%
- Net debt / EBITDA (lower is better)Bottom 39%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.0% | 2.5% | ↓ |
| EPS growth (YoY) | 25.1% | 26.6% | ↑ |
| Gross margin | 58.7% | 63.5% | ↑ |
| Operating margin | 19.6% | 23.6% | ↑ |
| FCF margin | 19.9% | 19.7% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.5% | 4.0% | ↓ | Bottom 34% |
| EPS growth (TTM, YoY) | 26.6% | 25.1% | ↑ | Top 41% |
| Gross margin | 63.5% | 58.7% | ↑ | Bottom 46% |
| Operating margin | 23.6% | 19.6% | ↑ | Top 45% |
| Net margin | 18.9% | 15.7% | ↑ | — |
| Free-cash-flow margin | 19.7% | 19.9% | ↓ | — |
| Return on invested capital | 1.2% | — | Bottom 48% | |
| Revenue growth, 3-year CAGR | 16.2% | — | Top 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.10×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -102.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.42×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.21%
- Net buyback yield (TTM)
- 4.34%
- Shareholder yield
- 6.55%
- Share count change, 1 year
- -3.6%
- Share count change, 3-year CAGR
- -1.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 28, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +8.8%
- Average 2-day reaction, last 8
- -0.1%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $32.50
- Target vs current price
- -22.3%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | -5.7% | -1.4% | +1.3% | -3.3% | — |
| Apr 22, 2026 | +14.3% | +0.1% | +4.3% | +4.7% | +21.5% |
| Jan 28, 2026 | +1.3% | -0.2% | +5.4% | +4.7% | +12.0% |
| Oct 22, 2025 | +25.4% | +1.3% | +3.0% | +1.6% | +13.7% |
| Jul 23, 2025 | -2.8% | -1.1% | -7.6% | -5.9% | -7.2% |
| Apr 23, 2025 | +20.3% | +1.2% | +5.9% | +8.9% | +13.3% |
| Jan 22, 2025 | +14.0% | -0.7% | +0.8% | +2.3% | -10.8% |
| Oct 23, 2024 | +16.7% | -0.4% | +4.0% | +12.2% | +10.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.82 | $0.87 | -5.7% | $84.4M |
| Apr 22, 2026 | $0.96 | $0.84 | +14.3% | $87.5M |
| Jan 28, 2026 | $0.79 | $0.78 | +1.3% | $84.6M |
| Oct 22, 2025 | $0.89 | $0.71 | +25.4% | $83.2M |
| Jul 23, 2025 | $0.69 | $0.71 | -2.8% | $81.0M |
| Apr 23, 2025 | $0.77 | $0.64 | +20.3% | $79.2M |
| Jan 22, 2025 | $0.65 | $0.57 | +14.0% | $76.8M |
| Oct 23, 2024 | $0.63 | $0.54 | +16.7% | $73.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.0× | 10.3× | 95th | Top 33% |
| P/E (forward) | 11.0× | — | — | — |
| EV / EBITDA | 11.5× | — | — | Top 36% |
| EV / Sales | 2.80× | — | — | Top 41% |
| Free-cash-flow yield | 8.92% | — | — | Top 43% |
| Earnings yield | 8.30% | — | — | Top 33% |
P/E over the past five years
Range 6.2× – 13.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +40.7%
- Earnings per share growth (TTM)
- +26.6%
- Change in P/E multiple
- +20.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 225
- 50-day average slope (20 days)
- -1.8%
- 200-day average slope (20 days)
- +2.5%
- Distance from 50-day average
- -1.7%
- Distance from 200-day average
- +8.7%
- RSI (14)
- 47.7
- Relative volume
- 0.68×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.8%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.74
- Correlation with S&P 500
- 0.43
- Current drawdown from 1-year high
- -7.5%
- Maximum drawdown, 3 years
- -21.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 6, 2022 | Oct 27, 2023 | -48.4% | 454 days | 258 days (Nov 6, 2024) |
| Dec 4, 2024 | Apr 11, 2025 | -21.4% | 87 days | 56 days (Jul 3, 2025) |
| Mar 12, 2021 | Jul 8, 2021 | -15.6% | 81 days | 81 days (Nov 1, 2021) |
| Jul 3, 2025 | Aug 1, 2025 | -14.0% | 20 days | 86 days (Dec 3, 2025) |
| Nov 3, 2021 | Dec 1, 2021 | -10.8% | 19 days | 25 days (Jan 6, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.15B
- P/E (TTM)
- 12.0
- EPS, diluted (TTM)
- $3.47
- Revenue (TTM)
- $521.1M
- Dividend yield
- 2.15%
- 52-week range
- $28.04 – $45.46
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $293.0M | $330.1M | $448.6M | $500.4M | $518.3M |
| Gross profit | $281.7M | $284.0M | $286.1M | $293.3M | $316.4M |
| Operating income | $114.3M | $97.2M | $88.7M | $95.3M | $113.3M |
| Net income | $91.8M | $78.1M | $71.1M | $75.9M | $90.8M |
| EPS (diluted) | $3.11 | $2.64 | $2.41 | $2.58 | $3.16 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $126.6M | $128.8M | $125.8M | $127.2M | $131.6M | $133.7M | $129.6M | $126.2M |
| Net income | $18.6M | $18.9M | $22.4M | $20.0M | $25.6M | $22.7M | $27.1M | $23.0M |
| EPS (diluted) | $0.63 | $0.65 | $0.77 | $0.69 | $0.89 | $0.80 | $0.96 | $0.82 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $102.3M | $109.5M | $89.7M | $75.1M | $101.5M |
| Capital expenditure | -$5.9M | -$5.2M | -$6.7M | -$3.1M | -$4.6M |
| Free cash flow | $96.5M | $104.2M | $83.0M | $72.0M | $96.9M |
| Dividends paid | -$23.6M | -$24.6M | -$25.1M | -$24.8M | -$25.3M |
| Net share buybacks | $1.7M | -$10.7M | $871,000 | -$17.4M | -$33.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $79.5M
- Total assets
- $8.20B
- Total liabilities
- $7.25B
- Total debt
- $269.7M
- Net debt
- $306.4M
- Shareholders’ equity
- $954.3M
As of Jun 30, 2026 (filed Jul 28, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 5, 2026 | $0.23 | Aug 19, 2026 |
| May 6, 2026 | $0.23 | May 20, 2026 |
| Feb 11, 2026 | $0.22 | Feb 25, 2026 |
| Nov 5, 2025 | $0.22 | Nov 19, 2025 |
| Aug 6, 2025 | $0.22 | Aug 20, 2025 |
| May 7, 2025 | $0.22 | May 21, 2025 |
| Feb 5, 2025 | $0.21 | Feb 19, 2025 |
| Nov 6, 2024 | $0.21 | Nov 20, 2024 |
Short interest
- Shares sold short
- 894,341
- Days to cover
- 3.84
- Change vs previous report
- +19.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 2, 2005
- 3-for-2
- Mar 3, 2003
- 5-for-4
- Apr 12, 2000
- 21-for-20
- May 4, 1998
- 2-for-1
- Mar 4, 1996
- 5-for-4