Univest Corporation Pennsylvania (UVSP) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Univest Corporation Pennsylvania stock $31.38, price $40.47, that is 22.5% below the price, quality 62 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Univest Corporation Pennsylvania
UVSP · USOur calculation puts a fair price 22% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $14.68 – $44.98 · fair‑value band $28.97 – $36.88 · the $40.47 price screens above the $31.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking; Wealth Management; and Insurance.
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The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing.
The Wealth Management segment provides investment advisory, financial planning and trust, and brokerage services for private families and individuals, municipal pension plans, retirement plans, trusts, and guardianships.
The Insurance segment offers full-service insurance brokerage agency comprising commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting services.
The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.
Stock analysis
Univest Corporation Pennsylvania (UVSP) currently trades at $40.47, while our model-based Fair Value estimate is $31.38, 22% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $38.98 per share, and 1 of the 6 models we run sit above the $40.47 price.
Bear case: the Dividend Discount group reads lowest at $13.58, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $28.97 (bear) to $36.88 (bull), the price of $40.47 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Univest Corporation Pennsylvania reported revenue of $518M in FY2025 versus $293M in FY2021, a compound +15.3%/yr. Reported net income was $90.8M in FY2025, compounding −0.3%/yr from FY2021.
Key figures
Market cap $1.1B Small · P/E ratio 12.1 · P/S ratio 3.45 · EPS (TTM) $3.35 · Dividend yield 2.3% · Net margin 28.8% · Return on equity 10.0% · Return on assets (EBIT) 1.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 40% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −22%, UVSP screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 5 officers or directors sold shares worth $1.3M and none bought.
- SaleThomas M PetroDirector5,000 shares at $41.69$208,450Aug 24, 2026
- SaleMichael L. TurnerDirector8,000 shares at $43.04$344,320Aug 13, 2026
- SaleJeffrey M SchweitzerChairman, President & CEO, Director2× since Dec 12, 2025: 26,210 shares, avg. $38.14$999,571Jun 8, 2026
- SaleMegan D SantanaSr EVP & Chief Risk Officer2× since Dec 12, 2025: 5,309 shares, avg. $38.27$203,198Jun 8, 2026
- SaleBrian J RichardsonSr EVP & CFO2× since Dec 12, 2025: 3,590 shares, avg. $38.21$137,156Jun 8, 2026
- SaleMichael S KeimSenior EVP & COO2× since Dec 12, 2025: 13,941 shares, avg. $36.48$508,587May 5, 2026
- SaleNatalye PaquinDirector13,000 shares at $37.80$491,400Apr 27, 2026
- BuyNatalye PaquinDirector2× since Nov 10, 2025: 1,235 shares, avg. $32.05$39,581Feb 2, 2026
Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
UVSP screens overvalued: fair value 22% below the price. Compare with China Merchants Bank Co →
Compare Univest Corporation Pennsylvania with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs UVSP |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs UVSP |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs UVSP |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs UVSP |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs UVSP |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs UVSP |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs UVSP |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs UVSP |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs UVSP |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs UVSP |
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Frequently asked questions
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Key figures of Univest Corporation Pennsylvania
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