Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
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
06/10/2025: UVSP (1-star) is a SELL. SELL since 4 days. Profits (-5.04%). Updated daily EoD!
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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $31.67
1 Year Target Price $31.67
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.15% | Avg. Invested days 33 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 867.56M USD | Price to earnings Ratio 11.29 | 1Y Target Price 31.67 |
Price to earnings Ratio 11.29 | 1Y Target Price 31.67 | ||
Volume (30-day avg) 3 | Beta 0.74 | 52 Weeks Range 21.09 - 32.29 | Updated Date 06/30/2025 |
52 Weeks Range 21.09 - 32.29 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.87% | Basic EPS (TTM) 2.66 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.51% | Operating Margin (TTM) 37.34% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 8.93% |
Valuation
Trailing PE 11.29 | Forward PE - | Enterprise Value 1056898816 | Price to Sales(TTM) 2.95 |
Enterprise Value 1056898816 | Price to Sales(TTM) 2.95 | ||
Enterprise Value to Revenue 4.11 | Enterprise Value to EBITDA - | Shares Outstanding 28880200 | Shares Floating 27946459 |
Shares Outstanding 28880200 | Shares Floating 27946459 | ||
Percent Insiders 1.41 | Percent Institutions 80.88 |
Analyst Ratings
Rating 2 | Target Price 31.67 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Univest Corporation Pennsylvania
Company Overview
History and Background
Univest Corporation Pennsylvania was founded in 1876 as the Union National Bank of Souderton. It has grown organically and through acquisitions, evolving into a diversified financial services provider.
Core Business Areas
- Banking: Provides commercial and retail banking services, including deposit accounts, loans, and treasury management.
- Insurance: Offers property and casualty, life, and health insurance products.
- Wealth Management: Provides financial planning, investment management, and trust services.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
The leadership team includes Jeffrey Schweitzer (CEO), Brian Richardson (President), and various executive vice presidents overseeing different business segments. The organizational structure is a traditional hierarchical model with distinct divisions for banking, insurance, wealth management, and mortgage.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is difficult to pinpoint precisely but Univest competes with regional and national banks for market share in Pennsylvania, competitors include PNC, Fulton, Customers Bancorp.
- Residential Mortgages: Mortgages for home purchases and refinancing. Univest competes with both banks and non-bank mortgage lenders for market share. Competitors include Rocket Mortgage, Wells Fargo, PNC.
- Insurance Products: Property and casualty and life insurance. Univest's competitors here are all the major insurance companies, such as Allstate, State Farm, and Progressive.
- Wealth Management Services: Financial planning, retirement planning and estate planning. Competitors include Vanguard, Fidelity, and Raymond James.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and heavily regulated. It is currently facing pressures from rising interest rates, regulatory changes, and increased competition from fintech companies.
Positioning
Univest is a regional bank and financial services provider focusing on serving the needs of businesses and individuals in Pennsylvania and surrounding areas. Its competitive advantage lies in its local presence and personalized service.
Total Addressable Market (TAM)
The TAM for financial services in Univest's geographic footprint is estimated to be in the billions of dollars. Univest is positioned to capture a portion of this TAM through its various business lines. Specific values are difficult to determine due to market fluctuation.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Diversified revenue streams
- Experienced management team
- Customer-focused approach
Weaknesses
- Limited geographic reach compared to larger competitors
- Higher cost structure than some fintech companies
- Dependence on the regional economy
- Relatively lower brand recognition
Opportunities
- Expansion into new markets within its geographic region
- Adoption of new technologies to improve efficiency
- Increased demand for wealth management services
- Strategic acquisitions to expand its business lines
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Fulton Financial (FULT)
- Customers Bancorp (CUBI)
Competitive Landscape
Univest competes with larger regional and national banks, as well as smaller community banks. Its strengths are its local presence and customer service, while its weaknesses are its limited geographic reach and higher cost structure.
Major Acquisitions
Penn Community Bank
- Year: 2022
- Acquisition Price (USD millions): 481.2
- Strategic Rationale: Expanded Univest's market presence in Bucks County and added scale to the bank's operations.
Growth Trajectory and Initiatives
Historical Growth: Univest has experienced steady growth in recent years, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for Univest, with revenue expected to increase by 5-7% annually over the next few years.
Recent Initiatives: Recent strategic initiatives include expanding its wealth management business and investing in digital banking technologies.
Summary
Univest Corporation Pennsylvania is a regional bank showing consistent but not impressive financial performance. Its strength lies in its local presence and diversified revenue streams, but it faces challenges from larger competitors and rising interest rates. Strategic acquisitions and investments in technology could improve its growth trajectory, but it needs to carefully manage costs and adapt to changing market conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Univest Corporation Pennsylvania Investor Relations
- SEC Filings
- Analyst Reports
- Company Press Releases
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, and past performance is not indicative of future results.
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.