Univest Financial Corporation (UVSP)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 253 | 272 | 296 | 297 | 299 | 328 | 339 | - |
| Operating profit | $m | 113 | 123 | ||||||
| Net profit | $m | 47 | 92 | 78 | 71 | 76 | 91 | 98 | 109 |
| EPS reported | $ | 3.16 | 3.47 | ||||||
| Operating cashflow per share | $ | 3.53 | 3.92 | ||||||
| Capex per share | $ | 0.16 | 0.21 | ||||||
| FCF per share | $ | 3.37 | 3.71 | ||||||
| Free cash flow | $m | 97 | 103 | ||||||
| Net debt | $m | -239 | 163 | ||||||
| Book value equity | $m | 943 | 954 | ||||||
| Book value per share | $ | 32.83 | 34.09 | ||||||
| Number of shares | m | 28.73 | 27.99 | ||||||
| DPS (TTM paid) | $ | 0.87 | 0.90 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.36 | 11.99 | ||||||
| P/B LTM | x | 1.00 | 0.99 | ||||||
| P/S LTM | x | 2.87 | 2.78 | ||||||
| P/FCF LTM | x | 9.71 | 9.14 | ||||||
| EV/EBITDA LTM | x | 6.17 | 5.83 | ||||||
| EV/Sales LTM | x | 1.43 | 2.83 | ||||||
| Earnings Yield LTM | % | +9.65% | +8.34% | ||||||
| FCF Yield | % | +10.30% | +10.94% | ||||||
| Quality | |||||||||
| ROE | % | +9.62% | +10.41% | ||||||
| ROIC | % | +6.95% | +1.20% | ||||||
| Operating margin | % | +21.87% | +23.57% | ||||||
| Gross margin | % | +61.04% | +63.54% | ||||||
| FCF/Sales | % | +18.70% | +19.74% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +22.48% | +34.50% | ||||||
| Sales Growth YoY | % | +9.64% | +13.22% | ||||||
| Net Income Growth YoY | % | +19.53% | +29.63% | ||||||
| FCF Growth | % | +34.62% | +42.90% | ||||||
| Operating Profit Growth | % | +18.94% | +28.87% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.69% | +2.13% | ||||||
| Dividend Growth | % | +3.57% | +7.14% | ||||||
| Payout Ratio | % | +27.90% | +25.89% | ||||||
| FCF/Debt | x | 0.28 | 0.38 | ||||||
| Net Debt/EBITDA | x | -1.69 | 2.42 | ||||||
| EBIT/Net interest | x | 0.60 | 0.67 | ||||||
| Net debt/market cap | % | +34.36% | +20.83% | ||||||
| Net debt/Equity | x | -0.25 | 0.17 | ||||||
| Gross debt/equity | x | 0.37 | 0.28 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Univest Financial Corporation operates as the parent company for Univest Bank and Trust Co., primarily delivering banking solutions throughout Pennsylvania. The organization structures its operations into three core segments: Banking, Wealth Management, and Insurance. The Banking segment provides a comprehensive array of services to individuals, businesses, municipalities, and non-profit entities. These offerings encompass deposit accounts, loan origination and management, mortgage banking, general financial services, and equipment lease financing. Through its Wealth Management segment, Univest offers specialized services including investment advisory, financial planning, trust administration, and brokerage facilities. This segment serves a diverse client base, such as private families and individuals, municipal pension schemes, various retirement plans, and trusts and guardianships. Finally, the Insurance segment delivers a range of services, including commercial property and casualty coverage, employee benefits packages, personal insurance policies, and human resources consulting. With 37 banking offices, Univest extends its reach across numerous counties in Pennsylvania, specifically Bucks, Berks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and York. Additionally, it serves customers in Atlantic, Burlington, and Cape May counties in New Jersey. Founded in 1876, the company initially operated as Univest Corporation of Pennsylvania before rebranding to Univest Financial Corporation in January 2019. Its corporate headquarters are located in Souderton, Pennsylvania.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Univest Financial Corporation (UVSP)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Univest Financial Corporation operates as the parent company for Univest Bank and Trust Co., primarily delivering banking solutions throughout Pennsylvania. The organization structures its operations into three core segments: Banking, Wealth Management, and Insurance. The Banking segment provides a comprehensive array of services to individuals, businesses, municipalities, and non-profit entities. These offerings encompass deposit accounts, loan origination and management, mortgage banking, general financial services, and equipment lease financing. Through its Wealth Management segment, Univest offers specialized services including investment advisory, financial planning, trust administration, and brokerage facilities. This segment serves a diverse client base, such as private families and individuals, municipal pension schemes, various retirement plans, and trusts and guardianships. Finally, the Insurance segment delivers a range of services, including commercial property and casualty coverage, employee benefits packages, personal insurance policies, and human resources consulting. With 37 banking offices, Univest extends its reach across numerous counties in Pennsylvania, specifically Bucks, Berks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Lehigh, Montgomery, Northampton, Philadelphia, and York. Additionally, it serves customers in Atlantic, Burlington, and Cape May counties in New Jersey. Founded in 1876, the company initially operated as Univest Corporation of Pennsylvania before rebranding to Univest Financial Corporation in January 2019. Its corporate headquarters are located in Souderton, Pennsylvania.
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