Univest Financial Corporation (UVSP) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
SEC XBRL FY 2025 (10-K): 30.9% FCF Margin ($101.5M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)
Even with a 62/100 (C) score, UVSP faces multiple-compression risk if 12.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($41.65) or 200D SMA ($39.27) invalidates the momentum regime and cuts Target Base ($40.04) toward Bear Floor ($31.23).
Univest Financial Corporation (UVSP) dropped -6.53% to $39.33, trading at 64% of its 52-week range ($28.2 – $45.46). Solid steady margins (10% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
Univest Financial reported third quarter 2026 net income of US$21.57 million, with US$17.57 million of net loan and lease charge offs driven largely by a previously flagged US$14.4 million commercial relationship and an
Univest Financial has delivered a strong share price run in recent years, which naturally puts a spotlight on whether the business is earning enough on its capital to back up that move. With the stock now reflecting seve
Univest Corporation of Pennsylvania (NASDAQ:UVSP) reported third-quarter net income of $21.6 million, or $0.78 per share, as results were affected by a $14.4 million charge-off tied to a single commercial lending relatio
Commercial charge-off pressured earnings; deposits surged 6.1%.
Univest Financial Corporation (UVSP) Q3 2026 Earnings Call October 29, 2026 9:00 AM EDTCompany ParticipantsJeff Schweitzer - Chairman, President &...
Moby summary of Univest Financial Corporation's Q3 2026 earnings call
Although the revenue and EPS for Univest (UVSP) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and th
Univest (UVSP) delivered earnings and revenue surprises of -20.41% and -0.01%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
SOUDERTON, Pa., Oct. 28, 2026 (GLOBE NEWSWIRE) -- Univest Financial Corporation (“Univest” or the "Corporation") (NASDAQ: UVSP), parent company of Univest Bank and Trust Co. (the "Bank") and its insurance, investments an
Univest Financial (NASDAQ:UVSP) reported quarterly earnings of $0.78 per share which missed the analyst consensus estimate of $0.98 by 20.41 percent. This is a 12.36 percent decrease over earnings of $0.89 per share
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +9.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on UVSP today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for UVSP. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Univest Financial Corporation (UVSP) ranks #432 by composite RQD confidence (62/100, grade C) and #533 by equity capitalization ($1.08B). Within this direct 5-issuer industry benchmark cohort, MBWM leads on earnings valuation at 11.8x trailing P/E, while FSBC leads on capital efficiency and profitability with 13.8% ROIC and — gross margin. FSBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with UVSP at 62/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| UVSP
ACTIVE
Univest Financial Corporation | C | 62/100 | 12.0x | — | 9.6% | -6.53% | $1.08B | Benchmark Subject |
| HBNC Horizon Bancorp Inc. | D+ | 58/100 | — | — | -21.9% | +1.45% | $1.08B | /hbnc-vs-uvsp → |
| CCNE CNB Financial Corporation | C+ | 67/100 | 16.0x | — | 7.6% | +0.56% | $1.05B | /ccne-vs-uvsp → |
| MBWM Mercantile Bank Corporation | D+ | 58/100 | 11.8x | — | 12.2% | +0.53% | $1.05B | /mbwm-vs-uvsp → |
| FSBC Five Star Bancorp | C+ | 69/100 | 18.2x | — | 13.8% | -0.17% | $1.12B | /fsbc-vs-uvsp → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Univest Financial Corporation (UVSP) reported GAAP revenue of $328.1M (+9.6% vs. FY2024 revenue of $299.2M , and +10.5% cumulative change since FY2023) , GAAP net income of $90.8M, operating cash flow of $101.5M, and free cash flow of $101.5M (+35.2% YoY). On the balance sheet, UVSP closed FY2025 with $8.44B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $328.1M | $90.8M | $101.5M | $101.5M | $8.44B | — |
| FY2024 (FY) | 2024-12-31 | $299.2M | $75.9M | $75.1M | $75.1M | $8.13B | — |
| FY2023 (FY) | 2023-12-31 | $296.8M | $71.1M | $89.7M | $89.7M | — | — |
As of 2026-11-01, Univest Financial Corporation (NASDAQ: UVSP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $39.33 (-6.53% 1D, market cap $1.08B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, UVSP ranks #432 in composite RQD confidence.
Within the Financials sector (Major Banks), UVSP carries a Roarable C (62/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 9.6%. By comparison, HBNC (Horizon Bancorp Inc.) holds a D+ grade (58/100 RQD, P/E N/A, ROIC -21.9%, cap $1.08B) and CCNE (CNB Financial Corporation) posts a C+ grade (67/100 RQD, P/E 16.0x, ROIC 7.6%, cap $1.05B). Among the 5-stock peer group, MBWM leads on earnings multiple (11.8x) while FSBC leads on capital efficiency (13.8% ROIC).
Per UVSP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000102212), Univest Financial Corporation generated $328.1M in revenue (+9.6% YoY), $90.8M in net income, and $101.5M in free cash flow against $8.44B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
UVSP last traded at $39.33 (-6.53% on volume of 344,039 shares), positioning the stock -5.57% below its 50-day simple moving average ($41.65) and +0.15% above its 200-day simple moving average ($39.27). Across its 52-week range of $28.20 to $45.46, UVSP sits at the 64.5% percentile with a 14-day RSI of 35.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($37.76 to $40.90).
Why UVSP Stock dropped -6.53% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
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