Univest Financial
UVSPNASDAQUSD
- Source valuation snapshot. Not a live recalculation.
- Latest filed annual earnings; price snapshot date unavailable. Not forward P/E.
- Diluted earnings per share from the latest filed annual.
- $40.83 Prior regular-session close from the quote source.
- $40.53–$40.98 Regular-session low and high so far today.
- 107.2K Regular-session shares traded · Nov 11, 4:00 PM ET.
- Jan 28 projected Projected for 2027-01-28 from the company’s own results filings (SEC 8-K Item 2.02). The company has not confirmed the date.
- $28.20–$45.46 52-week trading low and high returned by the quote source.
Understand the Business
Why the Stock Moved
Period-matched expectations history is not yet available. Current metrics are not a substitute for a historical explanation.
The core investment thesis
Own UVSP if Univest is a relationship-driven Pennsylvania community bank whose value creation depends on keeping low-cost local funding, disciplined credit, and fee/spread earnings intact through the rate and credit cycle.
UVSP price history
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Investment thesis
What must happen next
Univest’s local relationship-banking model continues to convert community customer trust into deposits, loans, and fee relationships rather than losing profitable customers to megabanks, online banks, and nonbank lenders.StrengtheningMateriality: High
GAAP annual revenue increased from $299.225 million in FY2024 to $328.056 million in FY2025. If the local franchise remains relevant, revenue can compound without requiring aggressive risk-taking; if customers migrate away, the bank becomes a spread-taker with weaker pricing power.
Watch: Large regional and national banks such as PNC, JPMorgan Chase, or Bank of America use digital capabilities and broader product sets to win Univest’s local commercial relationships.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
GAAP annual revenue increased from $299.225 million in FY2024 to $328.056 million in FY2025.
Open source ↗Credit underwriting remains disciplined enough that balance-sheet growth builds shareholder capital instead of being offset by loan losses, charge-offs, or credit provisions.StrengtheningMateriality: High
GAAP stockholders’ equity increased from $887.301 million at FY2024 year-end to $943.318 million at FY2025 year-end. For a bank, growth only creates owner value if credit losses do not later consume the spread income and equity created during the upcycle.
Watch: Commercial real estate stress in Univest’s Pennsylvania markets leads to higher criticized loans before losses are fully recognized.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
GAAP stockholders’ equity increased from $887.301 million at FY2024 year-end to $943.318 million at FY2025 year-end.
Open source ↗Univest maintains enough liquidity and deposit stability to avoid funding profitable asset growth with expensive or confidence-sensitive wholesale funding.StrengtheningMateriality: Medium
Cash, cash equivalents, restricted cash and restricted cash equivalents increased from $328.844 million at FY2024 year-end to $553.712 million at FY2025 year-end. A bank with stable liquidity can defend margins and credit discipline; a bank forced to chase funding can see earnings and franchise value deteriorate quickly.
Watch: Deposit customers move balances to Treasury bills, brokered deposits, or online high-yield savings accounts, forcing Univest to reprice funding sharply higher.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
Cash, cash equivalents, restricted cash and restricted cash equivalents increased from $328.844 million at FY2024 year-end to $553.712 million at.
Open source ↗The operating model continues to turn accounting earnings into cash earnings, indicating that reported profitability is not merely balance-sheet accretion or low-quality accrual income.StrengtheningMateriality: Medium
GAAP annual operating cash flow increased from $75.106 million in FY2024 to $101.512 million in FY2025. Cash-backed earnings give management more flexibility to absorb credit stress, invest in the franchise, pay dividends, or repurchase shares; weak conversion would lower the quality of EPS.
Watch: Rising deposit costs or credit provisions consume cash earnings even while reported revenue holds up.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
GAAP annual operating cash flow increased from $75.106 million in FY2024 to $101.512 million in FY2025.
Open source ↗Management’s capital allocation and earnings power continue to compound value per share rather than relying on asset growth that dilutes owners or earns subpar returns.StrengtheningMateriality: Medium
GAAP diluted EPS increased from $2.58 in FY2024 to $3.13 in FY2025. Shareholders own per-share earnings and capital, not asset size; if growth requires dilution or weak returns, the franchise can grow while the stock disappoints.
Watch: Univest issues equity for acquisitions or balance-sheet support at unattractive valuations.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
GAAP diluted EPS increased from $2.58 in FY2024 to $3.13 in FY2025.
Open source ↗
Full investment case & evidence
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Original research
Univest’s local relationship-banking model continues to convert community customer trust into deposits, loans, and fee relationships rather than losing profitable customers to megabanks, online banks, and nonbank lenders. If the local franchise remains relevant, revenue can compound without requiring aggressive risk-taking; if customers migrate away, the bank becomes a spread-taker with weaker pricing power.
Credit underwriting remains disciplined enough that balance-sheet growth builds shareholder capital instead of being offset by loan losses, charge-offs, or credit provisions. For a bank, growth only creates owner value if credit losses do not later consume the spread income and equity created during the upcycle.
Univest maintains enough liquidity and deposit stability to avoid funding profitable asset growth with expensive or confidence-sensitive wholesale funding. A bank with stable liquidity can defend margins and credit discipline; a bank forced to chase funding can see earnings and franchise value deteriorate quickly.
The operating model continues to turn accounting earnings into cash earnings, indicating that reported profitability is not merely balance-sheet accretion or low-quality accrual income. Cash-backed earnings give management more flexibility to absorb credit stress, invest in the franchise, pay dividends, or repurchase shares; weak conversion would lower the quality of EPS.
Management’s capital allocation and earnings power continue to compound value per share rather than relying on asset growth that dilutes owners or earns subpar returns. Shareholders own per-share earnings and capital, not asset size; if growth requires dilution or weak returns, the franchise can grow while the stock disappoints.
All standing thesis claims
Original report summary
Univest is a relationship-driven Pennsylvania community bank whose value creation depends on keeping low-cost local funding, disciplined credit, and fee/spread earnings intact through the rate and credit cycle.
Bull case and bear case
Bull case and bear case for UNIVEST FINANCIAL
Where the evidence on UNIVEST FINANCIAL stands: Strengthening on the latest evidence (Oct 12, 2026). Of its 5 thesis points, 5 strengthening.
Bull case: what the evidence supports
Univest’s local relationship-banking model continues to convert community customer trust into deposits, loans, and fee relationships rather than losing profitable customers to megabanks, online banks, and nonbank lenders.
Credit underwriting remains disciplined enough that balance-sheet growth builds shareholder capital instead of being offset by loan losses, charge-offs, or credit provisions.
Univest maintains enough liquidity and deposit stability to avoid funding profitable asset growth with expensive or confidence-sensitive wholesale funding.
The operating model continues to turn accounting earnings into cash earnings, indicating that reported profitability is not merely balance-sheet accretion or low-quality accrual income.
Management’s capital allocation and earnings power continue to compound value per share rather than relying on asset growth that dilutes owners or earns subpar returns.
Bear case: what would count against it
Large regional and national banks such as PNC, JPMorgan Chase, or Bank of America use digital capabilities and broader product sets to win Univest’s local commercial relationships.
Commercial real estate stress in Univest’s Pennsylvania markets leads to higher criticized loans before losses are fully recognized.
Deposit customers move balances to Treasury bills, brokered deposits, or online high-yield savings accounts, forcing Univest to reprice funding sharply higher.
Thesis-Break Engine
Thesis-break watch · UNIVEST FINANCIAL
No break has crossed UNIVEST FINANCIAL’s thesis. Its break conditions are checked against every new filing as it lands.
MARKET + FINANCIAL SNAPSHOT
The numbers behind the thesis
What Changed
- MixedRegulation FD disclosure.
UNIVEST FINANCIAL filed an SEC 8-K on 2026-07-27: Regulation FD disclosure. It is a dated development that tests the current thesis.
- MixedReported results of operations (earnings release).
UNIVEST FINANCIAL filed an SEC 8-K on 2026-07-23: Reported results of operations (earnings release). It is a dated development that tests the current thesis.
- MixedReported results of operations (earnings release).
UNIVEST FINANCIAL filed an SEC 8-K on 2026-04-23: Reported results of operations (earnings release). It is a dated development that tests the current thesis.
Risks / falsifiers
What could break the thesis
- Large regional and national banks such as PNC, JPMorgan Chase, or Bank of America use digital capabilities and broader product sets to win Univest’s local commercial relationships.
- Commercial real estate stress in Univest’s Pennsylvania markets leads to higher criticized loans before losses are fully recognized.
- Deposit customers move balances to Treasury bills, brokered deposits, or online high-yield savings accounts, forcing Univest to reprice funding sharply higher.
- Rising deposit costs or credit provisions consume cash earnings even while reported revenue holds up.
- Univest issues equity for acquisitions or balance-sheet support at unattractive valuations.
UVSP news
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Financial statements
UVSP income statement
Annual filed results · USD · Oldest to newest. Margins are calculated from the reported figures.
UVSP: quick answers
- When does UNIVEST FINANCIAL (UVSP) report earnings next?
- UNIVEST FINANCIAL's next results are projected for January 28, 2027, from the dates of its own results filings with the SEC. The company has not confirmed the date. It last reported on October 29, 2026. Earnings calendar
- What is UVSP's short interest?
- As of October 30, 2026, 1.0M UVSP shares were sold short, 3.78% of its shares outstanding, down 3.8% from the count before. At the stock's average daily volume that is 4.7 days to cover. FINRA publishes the count twice a month. UVSP short interest history