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Univest Financial

NSQ:UVSP · US9152711001
BanksSmall

360

10
Profit price61
Cash yield31
Price/Sales52
EV / Gross Profit54
Price/Book55
Returns on capital64
Profit margins—
Cash Conversion46
Accruals59
Owner Earnings Margin55
Sales growth33
Profit Growth37
Owner Earnings Growth66
Reinvestment39
Price momentum82
Debt load48
Debt serviceability47
Liquidity5
Analyst ratings1
Opinion Changes50
Price Target Upside6
Market mood23
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Univest Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Employees721
Websiteunivest.net
ISINUS9152711001
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
Financial Services

Description

Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. The company engages in domestic banking services for individuals, businesses, municipalities and n…

Analysis

Middle-of-the-road

Univest Financial Corporation sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.7×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
4
2023202420252026

All-time high

95

Jan 2023

All-time low

1

Mar 2026

Average rank

34

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
52
71
85
83
Price/Earnings
31
38
62
58
Price/Book
55
86
97
75
Dividend Yield
31
35
67
59
Value (overall)
39
61
94
77

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →