# Univest Financial Corporation (UVSP) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $42.35, market value $1.2 billion.

## Valuation
- **P/E (trailing): 12.2×** (5-yr avg 9.4×, 3-yr avg 9.9×). Univest Financial Corporation trades at 12.2× trailing earnings, well above its own five-year average of 9.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.8×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.51**. A PEG of 0.51 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.4×**. Each dollar of revenue is priced at 3.4×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.1%** (5-yr avg 12.1%). Free cash flow equals 9.1% of the market value, below its five-year average of 12.1%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.2%**. The inverse of the P/E: 8.2% of the price is earned each year.

## Profitability
- **Net margin: 27.7%**. 27.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.6%**. 9.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 9.6%** (3-yr 3.5%/yr). Revenue grew 9.6% over the last year.
- **EPS growth (1 yr): 21.3%** (3-yr 5.8%/yr, 5-yr 14.4%/yr). Earnings per share rose 21.3%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -2.4%/yr**. Free cash flow has compounded at -2.4% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 2.17%** ($0.90 per share, trailing). Univest Financial Corporation yields 2.17%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 28%** (24% of free cash flow). 28% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 7.7%/yr** (1-yr 3.6%). The dividend has grown 7.7% a year over five years.

## Price and momentum
- **Total return (1 yr): 35.3%** (YTD 30.9%, 3-mo 4.4%). The shares are up 35.3% over twelve months including dividends.
- **From 52-week high: -6.8%** (51.0% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.65** (volatility 24%). Beta of 0.65 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UVSP · Page: https://foliofundamentals.com/stocks/uvsp

Not investment advice.