Univest Financial Corporation

UVSP

Banks - Regional · Financial Services

Price

$41.62

-0.14 (-0.34%)

Market Cap

$1.15B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Good

Growth

Strong

Capital Strength

Strong

Asset Quality

Exceptional

Valuation

Good

Dividends

Good

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Share count falling — buybacks

−2.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 29.6M (2021) → 28.7M (2025)

Winston Score History

The full picture

Univest Financial Corporation is a regional bank holding company based in Souderton, Pennsylvania. It serves individuals, small businesses, and mid-sized companies in the greater Philadelphia area and surrounding parts of Pennsylvania, New Jersey, and Maryland. Its main services include checking and savings accounts, home and business loans, wealth management, and insurance products.

Univest makes money primarily by collecting interest on loans — including mortgages, commercial real estate loans, and business lines of credit — and by charging fees for services like wealth management and insurance. The bank operates mostly in the Mid-Atlantic region and has roughly $8 billion in total assets, making it a mid-sized community bank. Its competitive edge comes from deep local relationships and a long history in its home market, dating back to 1876. The main risk it faces is rising credit losses if the regional economy weakens, since its loan book is heavily tied to local real estate and small business borrowers.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-0.8% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+20.3% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.6%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$7.7B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Univest Financial Corporation's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money

Return on Equity

12.0%

no trend

Strong — 12.0% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending

Net Interest Margin

3.39%

no trend

Healthy — 3.39% net interest margin

Cost of running the bank

Efficiency Ratio

59.9%

no trend

Efficient — 59.9% efficiency ratio

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Growth

Sales growth

Sales YoY

+2.5%

Nearly flat sales (+2.5% YoY)

Profit growth

EPS YoY

+26.9%

Earnings growing fast (+26.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion

Capital Ratio

10.8%

no trend

Well capitalised — 10.8% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid

Non-Performing Loans

0.31%

no trend

Clean loan book — 0.31% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off

Net Charge-Offs

0.07%

no trend

Minimal losses — 0.07% net charge-offs

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Valuation

Price vs profit

P/E Ratio (TTM)

11.9x

Attractive valuation — P/E 11.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+0.3

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

2.06%

Moderate income — 2.06% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+4.7%

Dividend growing modestly (4.7% YoY)

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