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Univest (UVSP) Q4 2025 Earnings Call TranscriptUVSP — Univest Financial Corp
NASDAQ · Banking · Banking
$36.68+5.25%Market cap908.50M
- Latest Close
- $36.68
- 30-Day Move
- +5.3%
- Market Cap
- $909M
- Shares Outstanding
- 28,080,000
- P/E Ratio
- 10.33
- P/B Ratio
- 0.99
Analyst consensus: Sell · 8 analysts
NASDAQ:UVSPBanking / BankingDelayed public snapshot
Univest Financial Corp
A read-only Alphactor snapshot forUnivest Financial Corp. It uses the same research structure as the app, but with delayed data and shallow depth so search visitors can evaluate the stock before signing up.
Snapshot as of2026-04-21
Topline snapshot
Latest Close
$36.68
30-Day Move
+5.3%
Market Cap
$909M
Shares Outstanding
28,080,000
P/E Ratio
10.33
P/B Ratio
0.99
Not investment advice. Signals and scores shown here are model outputs derived from historical data, not recommendations. Past performance does not guarantee future results. Do your own research before trading. Full disclaimer
Chart snapshot
$36.68
+5.3%last 90 delayed daily bars
Market cap$909M
90D High
$38.22
90D Low
$31.41
Avg Volume
178,920
What stands out
Net margin is 25.6%, useful for comparing UVSP against peers in Banking.
UVSP is up 5.3% over the last 30 trading days shown on this page.
Research snapshot
Composite Fair Value
$61.95
Rule of 40
39.2%
Dark Pool Short %
54.7%
Fundamentals snapshot
Latest Close
$36.68
30-Day Move
+5.3%
Market Cap
$909M
Shares Outstanding
28,080,000
P/E Ratio
10.33
P/B Ratio
0.99
ROE
9.6%
ROA
1.1%
Operating Margin
31.8%
Net Margin
25.6%
Debt / Equity
0.13
Dividend Yield
2.7%
Latest Revenue
$85M
Financial statement snapshot
Revenue
$85M
Gross Profit
--
Operating Income
--
Net Income
$23M
Gross Margin
--
Net Margin
2556.3%
Current Ratio
--
Debt / Equity
0.13
Valuation snapshot
Fair Value
$61.95
Upside / Downside
+68.9%
Signal
Undervalued
Implied Growth
-7.2%
DCF
$57.43
EV/Rev
$66.47
Growth Assumption
3.5%
Discount Rate
9.6%
Terminal Growth
2.0%
Base FCF
$97M
Valuation spread
Current Price
$36.68
Composite Fair Value
$61.95
DCF
$57.43
EV/Rev
$66.47
After signup
The full valuation workspace goes deeper
Adjust DCF growth, discount, and terminal assumptions instead of relying on one static snapshot.
Open the deeper balance-sheet and cash-flow views to inspect debt, liquidity, and cash generation line by line.
Compare multiple valuation models against peers and save your own thesis instead of re-reading a fixed public state.
Negative growth / decline priced in
Quality snapshot
Altman Z
0.21
Distress
Piotroski
7
Strong (7-9)
Cash Conversion
1.12x
Rule of 40
39.2%
Acceptable
Annual financial history
Annual performance mix
| Period | Revenue | Operating Income | Net Income | Free Cash Flow |
|---|---|---|---|---|
| 2022-12-31 | $296M | -- | $78M | $104M |
| 2023-12-31 | $297M | -- | $71M | $83M |
| 2024-12-31 | $299M | -- | $76M | $72M |
| 2025-12-31 | $328M | -- | $91M | $97M |
After signup
The app opens the full statement deep dive
Extend the history well beyond this public snapshot to inspect longer cycles and regime changes.
Move from summary lines into detailed balance-sheet and cash-flow rows for working capital, debt, and capex analysis.
Cross-link statement changes with alerts, watchlists, and saved research workflows after signup.
News snapshot
Publisher(favicon_url='https://s3.massive.com/public/assets/news/favicons/globenewswire.ico', homepage_url='https://www.globenewswire.com', logo_url='https://s3.massive.com/public/assets/news/logos/globenewswire.svg', name='GlobeNewswire Inc.')•2024-10-07
Univest Financial Corporation to Hold Third Quarter 2024 Earnings CallPublisher(favicon_url='https://s3.massive.com/public/assets/news/favicons/zacks.ico', homepage_url='https://www.zacks.com/', logo_url='https://s3.massive.com/public/assets/news/logos/zacks.png', name='Zacks Investment Research')•2024-05-07
Univest (UVSP) Is Up 5.42% in One Week: What You Should KnowPublisher(favicon_url='https://s3.massive.com/public/assets/news/favicons/zacks.ico', homepage_url='https://www.zacks.com/', logo_url='https://s3.massive.com/public/assets/news/logos/zacks.png', name='Zacks Investment Research')•2024-04-24
Univest (UVSP) Tops Q1 Earnings and Revenue EstimatesPublisher(favicon_url='https://s3.massive.com/public/assets/news/favicons/globenewswire.ico', homepage_url='https://www.globenewswire.com', logo_url='https://s3.massive.com/public/assets/news/logos/globenewswire.svg', name='GlobeNewswire Inc.')•2024-04-24
Univest Financial Corporation Reports First Quarter ResultsAfter signup
The full sentiment workspace adds context
Go past the public headlines into fuller article history, source cross-checks, and deeper narrative tracking.
Tie news into alerts, watchlists, and conviction changes instead of browsing one static batch of stories.
ETF holders snapshot
| ETF | Shares | Weight | As Of |
|---|---|---|---|
| John Hancock Investment Trust-Small Cap Core Fund | 848,885 | 0.03% | 2026-02-28 |
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 839,155 | 0.03% | 2025-12-31 |
| iShares Trust-iShares Russell 2000 ETF | 714,207 | 0.03% | 2026-02-28 |
| American Century ETF Trust-Avantis U.S. Small Cap Value ETF | 630,423 | 0.02% | 2026-03-31 |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 415,476 | 0.01% | 2026-01-31 |
| Fidelity Concord Street Trust-Fidelity Series Small Cap Core Fund | 352,408 | 0.01% | 2026-01-31 |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Targeted Value Portfolio | 331,684 | 0.01% | 2026-01-31 |
| VANGUARD INDEX FUNDS-Vanguard Extended Market Index Fund | 309,054 | 0.01% | 2025-12-31 |
After signup
The deeper ownership view shows who is leaning in
Open richer institutional and holder diffs to see position changes across filings instead of one static snapshot.
Use those ownership shifts alongside conviction and alerts in the full app workflow.
Institutional holders snapshot
Qube Research & Technologies
Filed 2025-05-15
--
--
FMR LLC (Fidelity)
Filed 2026-02-17
$84M
-1.4%
BlackRock
Filed 2024-08-13
$77M
--
Vanguard Group
Filed 2026-01-29
$54M
-4.5%
Geode Capital Management
Filed 2026-02-09
$26M
-3.0%
Renaissance Technologies
Filed 2026-02-12
$21M
-1.3%
Dark-pool activity snapshot
Analyst consensus?
Rating(?)
2.38
Consensus
SellTarget Mean(?)
—
Target High(?)
—
Target Low(?)
—
Analysts
8
For informational and educational purposes only. Not financial advice. Learn more
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