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Upturn AI SWOT - About
UVSP 
Univest Corporation Pennsylvania (UVSP)
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Upturn Advisory Summary
10/10/2025: 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 -26.03% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 822.10M USD | Price to earnings Ratio 10.45 | 1Y Target Price 32 |
Price to earnings Ratio 10.45 | 1Y Target Price 32 | ||
Volume (30-day avg) 3 | Beta 0.72 | 52 Weeks Range 22.49 - 32.61 | Updated Date 10/12/2025 |
52 Weeks Range 22.49 - 32.61 | Updated Date 10/12/2025 | ||
Dividends yield (FY) 2.91% | Basic EPS (TTM) 2.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.78% | Operating Margin (TTM) 34.63% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 9.02% |
Valuation
Trailing PE 10.45 | Forward PE - | Enterprise Value 1047394560 | Price to Sales(TTM) 2.76 |
Enterprise Value 1047394560 | Price to Sales(TTM) 2.76 | ||
Enterprise Value to Revenue 3.97 | Enterprise Value to EBITDA - | Shares Outstanding 28805205 | Shares Floating 27901586 |
Shares Outstanding 28805205 | Shares Floating 27901586 | ||
Percent Insiders 1.39 | Percent Institutions 80.19 |
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 through acquisitions and expansions into a diversified financial services organization.
Core Business Areas
- Banking: Offers a range of banking services, including checking, savings, loans, and mortgages, to individuals and businesses.
- Insurance: Provides property and casualty insurance, employee benefits, and personal insurance services.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and institutions.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes various divisions responsible for banking, insurance, wealth management, and mortgage services.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans and lines of credit to businesses for various purposes. Competitors include other regional and national banks. Market share data not readily available. No specific revenue data available.
- Mortgage Lending: Offers residential mortgage loans. Competitors include national mortgage lenders and other regional banks. Market share data not readily available. No specific revenue data available.
- Insurance Products: Provides various insurance products. Competitors include national insurance companies and local insurance brokers. Market share data not readily available. No specific revenue data available.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes. Key trends include increasing digitalization, rising interest rates and economic uncertainty.
Positioning
Univest Corporation Pennsylvania positions itself as a community-focused financial institution offering a wide range of services. Its competitive advantages include its local presence and relationship-based approach.
Total Addressable Market (TAM)
The TAM for financial services in Pennsylvania is significant, encompassing banking, insurance, and wealth management. Univest captures a portion of this TAM through its service offerings. Sizeable, exact values difficult to determine due to market segmentation.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Diversified revenue streams
- Relationship-based approach
- Experienced management team
Weaknesses
- Smaller scale compared to national competitors
- Limited geographic reach
- Reliance on local economy
Opportunities
- Expansion into new markets
- Increased digitalization of services
- Acquisitions of smaller financial institutions
Threats
- Increased competition from national banks
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FNB
- PNC
- BBVA
- CMA
Competitive Landscape
Univest faces competition from larger national banks with greater resources and smaller community banks with strong local ties. Its advantages include its diversified service offerings and relationship-based approach.
Growth Trajectory and Initiatives
Historical Growth: Requires data which is not available.
Future Projections: Requires specific analyst estimates which are not available.
Recent Initiatives: Expansion of digital banking services, focus on commercial lending growth.
Summary
Univest Corporation Pennsylvania is a regional bank with a diversified business model. It faces strong competition from larger banks but benefits from its local presence and customer relationships. Future growth depends on its ability to expand its digital services and capitalize on acquisition opportunities. The company must also manage risks associated with regulatory changes and economic uncertainty.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Public Filings
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is approximate.
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.
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