UVSP

Based on Univest Financial Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Univest Financial do?

Univest Financial is a bank holding company for Univest Bank and Trust Co., serving customers across Pennsylvania and parts of New Jersey. It operates through Banking, Wealth Management, and Insurance segments, offering everything from everyday deposit accounts and loans to investment advisory services and commercial insurance.

Does UVSP pay dividends?

Yes, Univest Financial pays a regular dividend. This is consistent with the income-focused tradition of community banking companies. Investors should review the current dividend rate and payout history on Univest's investor relations page, as amounts can change with board decisions.

When does UVSP report earnings?

Univest Financial reports on a quarterly cadence, as is standard for US-listed bank holding companies. Specific dates are announced in advance on the company's investor relations page, which is the most reliable source for upcoming reporting schedules.

Is UVSP a good stock to buy?

UQS Score rates UVSP as Below Average overall. While the Quality pillar is rated Good and Valuation is Attractive, the Moat, Growth, and Risk pillars are all rated Weak. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.

Is UVSP overvalued?

The UQS Valuation pillar for UVSP is rated Attractive, suggesting the stock may be trading at a discount relative to its fundamentals. However, an attractive price alone does not offset the Weak ratings in Growth and Risk — context across all five pillars matters for a complete picture.

How does UVSP compare to its competitors?

Univest competes with regional peers like OceanFirst Financial, First Mid Bancshares, and FirstSun Capital Bancorp. Each operates in different geographic markets with varying business mixes. UVSP's concentrated Pennsylvania footprint and multi-segment model distinguish it, though its Weak Moat rating suggests limited competitive advantages over these peers.

What is UVSP's market cap bracket?

UVSP is classified as a small-cap stock. This places it in a tier where liquidity can be lower than large-cap peers and where the company may have less analyst coverage, which can create both opportunity and added risk for investors.

Who founded Univest Financial?

Univest Financial traces its origins to 1876, making it one of the longer-standing community banking institutions in Pennsylvania. The company was formerly known as Univest Corporation of Pennsylvania and adopted its current name in January 2019. Detailed founding history is available through the company's official resources.

Is UVSP a long-term quality investment?

As a long-term quality indicator, UVSP's UQS profile presents a mixed picture. The Good Quality rating suggests reasonable operational fundamentals, but Weak scores in Moat, Growth, and Risk indicate structural challenges that could limit compounding over time. Pro members can view the complete analysis to assess long-term fit.

What sector does UVSP belong to?

UVSP operates in the Financial Services sector, specifically as a community bank holding company. Community banks in this sector tend to be sensitive to interest rate cycles, local economic conditions, and credit quality trends — all factors reflected in the UQS Risk and Growth pillar assessments.

Univest Financial Corporation shows solid profitability with healthy returns on capital and reasonable margins.

Univest Financial Corporation faces growth headwinds with declining or stagnant revenue trends.

Univest Financial Corporation has some risk factors including moderate leverage or solvency concerns.

Univest Financial Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

Univest Financial Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for UVSP.

The UQS (Unified Quality Score) for Univest Financial Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Univest Financial Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Univest Financial Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.