📊 UVSP Key Takeaways
Is UNIVEST FINANCIAL Corp (UVSP) a Good Investment?
While net income and EPS grew 19.5% and 21.3% respectively, fundamental concerns outweigh near-term profitability gains. The critical interest coverage ratio of 0.3x indicates the company cannot cover debt servicing from operating income, and ROE of 2.8% with ROA of 0.3% reveal severe capital inefficiency. Declining revenue (-23.8% YoY) combined with poor returns suggest deteriorating business quality despite strong free cash flow generation.
UNIVEST FINANCIAL Corp Key Strengths (UVSP)
- Strong free cash flow generation with 24.6% FCF margin and positive $21.6M annual FCF
- Conservative capital structure with Debt/Equity ratio of 0.22x and adequate liquidity ($222.4M cash)
- Elevated operating margin of 38.3% and net margin of 31.0% indicating pricing power within existing business
UVSP Stock Risks: UNIVEST FINANCIAL Corp Investment Risks
- Critical interest coverage ratio of 0.3x signals inability to service debt obligations from operating income—fundamental solvency concern
- Deteriorating capital efficiency with ROE of 2.8% and ROA of 0.3%—well below banking sector norms
- Revenue decline of 23.8% YoY suggests shrinking loan portfolio or market share loss; earnings growth may be unsustainable if tied to cost-cutting rather than business expansion
Key Metrics to Watch
- Interest coverage ratio trend and debt service capacity
- Revenue stabilization and loan growth trajectory
- Return on Equity and Return on Assets improvement
UNIVEST FINANCIAL Corp (UVSP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 24.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
UVSP Profit Margin, ROE & Profitability Analysis
UVSP vs Finance Sector: How UNIVEST FINANCIAL Corp Compares
How UNIVEST FINANCIAL Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is UNIVEST FINANCIAL Corp Stock Overvalued? UVSP Valuation Analysis 2026
Based on fundamental analysis, UNIVEST FINANCIAL Corp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
UNIVEST FINANCIAL Corp Balance Sheet: UVSP Debt, Cash & Liquidity
UVSP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: UNIVEST FINANCIAL Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.41 reflects profitable operations.
UVSP Revenue Growth, EPS Growth & YoY Performance
UVSP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $79.2M | $22.4M | $0.77 |
| Q3 2025 | $73.4M | $18.6M | $0.63 |
| Q2 2025 | $72.0M | $18.1M | $0.62 |
| Q1 2025 | $77.1M | $20.3M | $0.69 |
| Q1 2022 | N/A | $20.3M | $0.68 |
| Q3 2021 | N/A | $18.1M | $0.62 |
| Q2 2021 | N/A | $2.1M | $0.07 |
| Q1 2021 | N/A | $838.0K | $0.03 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
UNIVEST FINANCIAL Corp Dividends, Buybacks & Capital Allocation
UVSP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for UNIVEST FINANCIAL Corp (CIK: 0000102212)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UVSP
What is the AI rating for UVSP?
UNIVEST FINANCIAL Corp (UVSP) has an AI grade of C with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UVSP's key strengths?
Claude: Strong free cash flow generation with 24.6% FCF margin and positive $21.6M annual FCF. Conservative capital structure with Debt/Equity ratio of 0.22x and adequate liquidity ($222.4M cash).
What are the risks of investing in UVSP?
Claude: Critical interest coverage ratio of 0.3x signals inability to service debt obligations from operating income—fundamental solvency concern. Deteriorating capital efficiency with ROE of 2.8% and ROA of 0.3%—well below banking sector norms.
What is UVSP's revenue and growth?
UNIVEST FINANCIAL Corp reported revenue of $87.5M.
Does UVSP pay dividends?
UNIVEST FINANCIAL Corp pays dividends, with $6.5M distributed to shareholders in the trailing twelve months.
Where can I find UVSP SEC filings?
Official SEC filings for UNIVEST FINANCIAL Corp (CIK: 0000102212) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UVSP's EPS?
UNIVEST FINANCIAL Corp has a diluted EPS of $0.96.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is UVSP's fundamental grade?
Based on our AI fundamental analysis in June 2026, UNIVEST FINANCIAL Corp has a C grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is UVSP stock overvalued or undervalued?
Valuation metrics for UVSP: ROE of 2.8% (sector avg: 12%), net margin of 31.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is UVSP's AI grade for 2026?
Our dual AI analysis gives UNIVEST FINANCIAL Corp a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is UVSP's free cash flow?
UNIVEST FINANCIAL Corp's operating cash flow is $22.1M, with capital expenditures of $578.0K. FCF margin is 24.6%.
How does UVSP compare to other Finance stocks?
Vs Finance sector averages: Net margin 31.0% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).