UNIVEST FINANCIAL Corp (UVSP) stock
UVSPNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Nov 3, 2026Score 14/304% above fair value
$40.52−0.22 (-0.54%)
Close on Nov 13, 2026Market cap $1.12BP/E 11.7Yield 2.15%
Univest Financial statistics
95 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 28, 2027 (estimated, before the open)
- Last ex-dividend date
- Nov 10, 2026
- Fundamentals through
- Jun 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.45
- 1.52
- P/OCF Ratio
- 10.28
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 2.77
- 2.95
- EV / FCF
- 8.89
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -2.68%
- 0.33%
- Shares Change (QoQ)
- -1.30%
- 0.00%
- Float
- 27M
- 17M
- Shares Held by Insiders
- 1.66%
- 6.05%
- Shares Held by Institutions
- 83.9%
- 61.3%
Short sellingIndustry
- Short Interest
- 1M
- –
- Short Interest Change
- -3.84%
- -4.13%
- Short % of Float
- 3.78%
- 3.58%
- Short % of Shares Outstanding
- 3.72%
- 3.18%
- Days to Cover
- 4.71
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $45.45
- –
- 52-Week Low
- $28.20
- –
- 20-Day Moving Average
- $41.17
- –
- 50-Day Moving Average
- $41.50
- –
- 200-Day Moving Average
- $39.63
- –
- Average True Range (14)
- $0.91
- –
- Price Change (1 Week)
- 0.12%
- 0.69%
- Price Change (1 Month)
- -1.29%
- 3.79%
- Price Change (3 Months)
- -5.90%
- -2.72%
- Price Change (6 Months)
- 7.68%
- 12.2%
- Price Change (YTD)
- 23.8%
- 19.9%
- Price Change (1 Year)
- 31.6%
- 25.7%
- Price Change (3 Years)
- 113.9%
- 65.1%
- Price Change (5 Years)
- 35.0%
- 26.9%
- Price Change (10 Years)
- 51.5%
- 66.8%
- Average Volume (10 Days)
- 216,966
- –
- Average Volume (20 Days)
- 223,632
- –
- Average Volume (90 Days)
- 229,290
- –
- Relative Volume
- 0.54
- 0.68
- Relative Strength Index (14)
- 44.7
- 53.1
- Volatility (1 Year)
- 23.0%
- 24.4%
- Beta (5 Years)
- 0.59
- 0.63
MarginsIndustry
- Pretax Margin
- 36.2%
- 37.0%
- FCF Margin
- 31.2%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 10.5%
- 10.7%
- Return on Assets (ROA)
- 1.22%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.02
- 0.21
- Debt / FCF
- 0.18
- 1.48
GrowthIndustry
- Revenue Growth (YoY)
- 9.42%
- 11.7%
- Net Income Growth (YoY)
- 23.2%
- 22.6%
- EPS Growth (YoY)
- 26.3%
- 21.6%
- FCF Growth (YoY)
- 4.50%
- 27.2%
- Revenue Growth (3Y CAGR)
- 3.47%
- 5.82%
- EPS Growth (3Y CAGR)
- 5.84%
- 1.31%
- EPS Growth (5Y CAGR)
- 14.4%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $353.78K
- $358.92K
- Profits Per Employee
- $102.53K
- $110.51K
- Employee Count
- 960
- 492
- WACC
- 8.00%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $122.82M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $176.50M
- $165.09M
- Net Cash Per Share
- $6.40
- $8.07
- Equity (Book Value)
- $954.25M
- $570.13M
- Book Value Per Share
- $34.60
- $28.12
- Tangible Book Value
- $770.89M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$2.94M
- -$4.24M
- FCF Per Share
- $3.84
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.81%
- 8.29%
- FCF Yield
- 9.47%
- 9.18%
- Dividend Yield
- 2.15%
- 2.44%
- Buyback Yield
- 4.63%
- 1.82%
- Shareholder Yield
- 6.77%
- 3.26%
- Dividend Per Share
- $0.87
- $0.92
- Dividend Growth (YoY)
- 3.57%
- 4.26%
- Years of Dividend Growth
- 1
- 2
- Payout Ratio
- 25.9%
- 28.5%
- FCF Payout Ratio
- 24.1%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $24.39M
- $16.14M
- Effective Tax Rate
- 19.9%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $51.90
- $45.07
- Graham Upside
- 28.1%
- 18.8%
- Altman Z-Score
- 0.24
- 0.22
- Piotroski F-Score
- 7
- 6
- Lynch Fair Value
- $49.70
- –
- Lynch Upside
- 22.6%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | UVSP | S&P 500 | Difference | UVSP per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +0.5% | -3.0% | +3.5 pts | ||
| 3 months | -5.2% | -2.8% | −2.4 pts | ||
| Year to date | +26.6% | +11.5% | +15.2 pts | ||
| 1 year | +35.4% | +13.5% | +21.9 pts | ||
| 3 years | +151.7% | +77.7% | +74.0 pts | +36.0% | +21.1% |
| 5 years | +58.5% | +72.6% | −14.1 pts | +9.6% | +11.5% |
| 10 years | +114.2% | +308.2% | −194.0 pts | +7.9% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M UVSP shares were sold short on Oct 30, 2026, down 3.8% from the previous report, or 3.78% of the shares available to trade. At recent volumes it would take 4.7 days to buy them back. Over the last 20 sessions, 44.3% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,024,948 | -3.8% | 217,786 | 4.7 |
| Oct 15, 2026 | 1,065,882 | +7.9% | 192,317 | 5.5 |
| Sep 30, 2026 | 987,827 | +10.5% | 256,900 | 3.9 |
| Sep 15, 2026 | 894,341 | +19.3% | 232,887 | 3.8 |
| Aug 31, 2026 | 749,929 | +5.7% | 166,298 | 4.5 |
| Aug 14, 2026 | 709,684 | +2.1% | 241,424 | 2.9 |
| Jul 31, 2026 | 695,422 | -6.6% | 300,452 | 2.3 |
| Jul 15, 2026 | 744,903 | +3.1% | 185,063 | 4.0 |
| Jun 30, 2026 | 722,613 | +12.8% | 331,496 | 2.2 |
| Jun 15, 2026 | 640,748 | +11.7% | 189,072 | 3.4 |
| May 29, 2026 | 573,828 | +10.1% | 166,135 | 3.5 |
| May 15, 2026 | 521,282 | +9.1% | 169,389 | 3.1 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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