Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
UVSP 
Univest Corporation Pennsylvania (UVSP)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/14/2025: UVSP (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $32
1 Year Target Price $32
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.79% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 858.97M USD | Price to earnings Ratio 10.92 | 1Y Target Price 32 |
Price to earnings Ratio 10.92 | 1Y Target Price 32 | ||
Volume (30-day avg) 3 | Beta 0.76 | 52 Weeks Range 22.49 - 32.61 | Updated Date 08/15/2025 |
52 Weeks Range 22.49 - 32.61 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.82% | Basic EPS (TTM) 2.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-23 | When After Market | Estimate 0.69 | Actual 0.69 |
Profitability
Profit Margin 26.78% | Operating Margin (TTM) 34.63% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 9.02% |
Valuation
Trailing PE 10.92 | Forward PE - | Enterprise Value 1104716928 | Price to Sales(TTM) 2.88 |
Enterprise Value 1104716928 | Price to Sales(TTM) 2.88 | ||
Enterprise Value to Revenue 3.99 | Enterprise Value to EBITDA - | Shares Outstanding 28805200 | Shares Floating 27889199 |
Shares Outstanding 28805200 | Shares Floating 27889199 | ||
Percent Insiders 1.42 | Percent Institutions 80.04 |
Upturn AI SWOT
Univest Corporation Pennsylvania
Company Overview
History and Background
Univest Corporation of Pennsylvania was founded in 1876 as the Union National Bank of Souderton. Over time, it expanded its services and geographical reach, becoming a full-service financial services organization.
Core Business Areas
- Banking: Provides a range of commercial and retail banking services, including deposit accounts, loans, and treasury management.
- Insurance: Offers property and casualty insurance, employee benefits, and risk management solutions.
- Wealth Management: Provides investment advisory, financial planning, trust, and brokerage services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and heads of each business segment. The organizational structure is a holding company with various subsidiaries operating within their respective fields.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and equipment financing. Market share data not readily available on specific products, but Univest competes with other regional and national banks. Competitors include PNC, Bank of America, and local community banks.
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share data not readily available. Competitors include Wells Fargo, Rocket Mortgage, and local credit unions.
- Insurance Products: Provides various insurance policies, including property, casualty, and employee benefits. Market share varies by specific product and region, with competition from major national insurance providers. Competitors include Allstate, Travelers, and regional insurance brokers.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing regulation, technological advancements (fintech), and competition from both traditional and non-traditional players. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Univest is positioned as a community-focused financial institution offering a broad range of services. Its competitive advantages include its local presence, personalized service, and diversified business model.
Total Addressable Market (TAM)
The total addressable market for financial services in Univest's operating region is substantial, encompassing banking, insurance, and wealth management. While specific TAM figures are difficult to define without segmentation, Univest's position allows it to capture market share through local relationships and comprehensive service offerings.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Diversified business model
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographical reach compared to larger banks
- Lower brand recognition outside of its core markets
- Dependence on interest rate environment
- Exposure to regional economic fluctuations
Opportunities
- Expansion into new markets
- Increased adoption of digital banking solutions
- Acquisition of smaller competitors
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FULT
- TCBI
Competitive Landscape
Univest faces competition from larger national banks, regional players, and fintech companies. Its strengths include its community focus and diversified business model, while its weaknesses include its limited geographical reach.
Major Acquisitions
Pennmark Management Company, Inc.
- Year: 2020
- Acquisition Price (USD millions): 32.4
- Strategic Rationale: This acquisition expanded Univest's wealth management capabilities and client base.
Growth Trajectory and Initiatives
Historical Growth: Univest has demonstrated steady growth in revenue and earnings over the past several years, driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on various factors, including economic conditions, interest rates, and the company's ability to execute its strategic plans. Analyst estimates can provide insights into expected growth rates.
Recent Initiatives: Recent initiatives may include branch expansions, investments in digital banking technology, and acquisitions of smaller companies.
Summary
Univest demonstrates a stable and diversified financial performance, characterized by consistent revenue and earnings growth. Its community focus and broad range of services contribute to its strength. However, competition from larger institutions and sensitivity to economic fluctuations are challenges to consider.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (e.g., 10-K reports)
- Market Research Reports
- Analyst Estimates
- Company Press Releases
- SEC Filings
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial data is subject to change. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Univest Corporation Pennsylvania
Exchange NASDAQ | Headquaters Souderton, PA, United States | ||
IPO Launch date 1989-11-03 | Chairman, President & CEO Mr. Jeffrey M. Schweitzer CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 892 | Website https://www.univest.net |
Full time employees 892 | Website https://www.univest.net | ||
Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing. The Wealth Management segment provides investment advisory, financial planning and trust, and brokerage services for private families and individuals, municipal pension plans, retirement plans, trusts, and guardianships. The Insurance segment offers full-service insurance brokerage agency comprising commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting services. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.