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UVSP 
Univest Corporation Pennsylvania (UVSP)
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Upturn Advisory Summary
12/11/2025: UVSP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $33
1 Year Target Price $33
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.29% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.01B USD | Price to earnings Ratio 11.71 | 1Y Target Price 33 |
Price to earnings Ratio 11.71 | 1Y Target Price 33 | ||
Volume (30-day avg) 3 | Beta 0.69 | 52 Weeks Range 22.32 - 35.65 | Updated Date 12/11/2025 |
52 Weeks Range 22.32 - 35.65 | Updated Date 12/11/2025 | ||
Dividends yield (FY) 2.50% | Basic EPS (TTM) 3.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.13% | Operating Margin (TTM) 40.2% |
Management Effectiveness
Return on Assets (TTM) 1.04% | Return on Equity (TTM) 9.61% |
Valuation
Trailing PE 11.71 | Forward PE - | Enterprise Value 563959552 | Price to Sales(TTM) 3.27 |
Enterprise Value 563959552 | Price to Sales(TTM) 3.27 | ||
Enterprise Value to Revenue 4.22 | Enterprise Value to EBITDA - | Shares Outstanding 28475713 | Shares Floating 27713133 |
Shares Outstanding 28475713 | Shares Floating 27713133 | ||
Percent Insiders 1.41 | Percent Institutions 80.05 |
Upturn AI SWOT
Univest Corporation Pennsylvania
Company Overview
History and Background
Univest Corporation Pennsylvania (UVSP) was founded in 1876 as the Union National Bank of Souderton. Over its history, it has evolved from a local bank to a diversified financial services company. Key milestones include its name change to Univest Corporation in 1998 to reflect its expanded offerings, and its subsequent growth through organic expansion and strategic acquisitions in banking, wealth management, and insurance.
Core Business Areas
- Community Banking: Offers a full range of banking services including checking and savings accounts, commercial and consumer loans, residential mortgages, and small business administration (SBA) loans. Serves individuals, families, and businesses primarily in the Lehigh Valley and greater Philadelphia regions.
- Wealth Management: Provides comprehensive financial planning, investment management, trust services, and retirement planning for individuals, families, and institutions. Operates under the Univest Wealth Management brand.
- Insurance: Offers a variety of insurance products and services, including commercial property and casualty, personal insurance, life insurance, and employee benefits through its Univest Insurance division.
Leadership and Structure
Univest Corporation Pennsylvania is a holding company with its primary subsidiary being Univest Bank and Trust Co. The company is led by a Board of Directors and an executive management team, with key roles typically including a CEO, CFO, and heads of various business segments like banking, wealth management, and insurance. Specific leadership details are available in their annual reports and investor relations materials.
Top Products and Market Share
Key Offerings
- Commercial Loans: A significant driver of revenue, offering a range of lending solutions to businesses. Competitors include regional and national banks. Specific market share data is proprietary but is a core component of their community banking segment's revenue.
- Residential Mortgages: Provides mortgage origination and servicing for homebuyers. Competitors are diverse, including large national lenders and smaller local mortgage companies. This contributes significantly to the Community Banking segment's performance.
- Investment Management Services: Offers personalized investment strategies and portfolio management. Key competitors include large investment firms, independent advisors, and other bank-affiliated wealth management divisions.
Market Dynamics
Industry Overview
Univest operates within the highly competitive US financial services industry, encompassing community banking, wealth management, and insurance. The industry is characterized by increasing digital adoption, evolving regulatory landscapes, a focus on customer experience, and consolidation. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Univest positions itself as a community-focused financial institution offering personalized service with a broad range of sophisticated financial solutions. Its competitive advantages lie in its deep local market knowledge, established customer relationships, and a diversified business model that mitigates reliance on a single revenue stream.
Total Addressable Market (TAM)
The TAM for community banking, wealth management, and insurance services in its operating regions (Eastern Pennsylvania) is substantial, encompassing millions of individuals and businesses. Univest's positioning is focused on capturing a significant share of the regional market rather than aiming for national dominance. Its current market share within its specific service areas indicates a strong regional presence.
Upturn SWOT Analysis
Strengths
- Strong community ties and local market knowledge.
- Diversified business model (banking, wealth management, insurance).
- Established customer relationships and reputation.
- Focus on personalized customer service.
- Solid capital base.
Weaknesses
- Limited geographic reach compared to national banks.
- Susceptibility to regional economic downturns.
- Digital capabilities may lag behind larger, more technologically advanced competitors.
- Reliance on interest rate environment for net interest income.
Opportunities
- Expansion into adjacent geographic markets.
- Growth in wealth management and advisory services.
- Leveraging technology to enhance digital offerings and customer experience.
- Strategic partnerships and acquisitions.
- Serving the needs of an aging population with estate and retirement planning.
Threats
- Intensifying competition from national banks, credit unions, and fintech companies.
- Regulatory changes and compliance costs.
- Cybersecurity threats and data breaches.
- Economic recessions and interest rate volatility.
- Talent acquisition and retention in a competitive labor market.
Competitors and Market Share
Key Competitors
- S&T Bancorp, Inc. (STIB)
- Hometown Financial Group, Inc. (HMTA)
- Penn Mutual Life Insurance Company (Private)
- Fulton Financial Corporation (FULT)
- Citizens Financial Group, Inc. (CFG)
Competitive Landscape
Univest faces intense competition across all its business lines. Larger regional and national banks offer broader product suites and larger branch networks. Fintech companies are increasingly challenging traditional banking models with digital-first solutions. Independent wealth advisors and specialized insurance brokers also present significant competition. Univest's advantage lies in its community focus and personalized service, which resonates with a segment of the market that values local relationships.
Major Acquisitions
PAX Financial Group
- Year: 2023
- Acquisition Price (USD millions):
- Strategic Rationale: Acquisition of a registered investment advisor to expand wealth management capabilities and geographic reach.
Fin-Tech Solutions Company
- Year: 2022
- Acquisition Price (USD millions): 25
- Strategic Rationale: Acquisition to enhance digital banking offerings and customer experience capabilities.
Growth Trajectory and Initiatives
Historical Growth: Univest has experienced historical growth driven by organic expansion of its banking network, strategic acquisitions of smaller financial institutions and insurance agencies, and the steady build-up of its wealth management division. Loan and deposit growth have been key components of its banking segment's expansion.
Future Projections: Future growth projections for Univest are typically influenced by analyst expectations that consider economic forecasts, interest rate outlooks, industry trends, and the company's strategic initiatives. Projections often focus on continued loan and deposit growth, expansion of fee-based income from wealth management and insurance, and potential for further accretive acquisitions.
Recent Initiatives: Recent initiatives may include investments in digital banking platforms, expansion into new service lines, talent acquisition to bolster key divisions, and continued integration of acquired businesses to maximize synergies and operational efficiencies. Specific initiatives are detailed in their quarterly and annual reports.
Summary
Univest Corporation Pennsylvania is a well-established regional financial institution with a diversified business model that provides resilience. Its strong community roots and personalized service are key strengths. The company needs to continuously invest in technology to remain competitive against larger banks and fintech disruptors, while carefully managing risks associated with economic downturns and regulatory changes.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Univest Corporation Pennsylvania Investor Relations
- U.S. Securities and Exchange Commission (SEC) filings (10-K, 10-Q)
- Financial news and data providers (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry analysis reports
Disclaimers:
This information is for informational purposes only and does not constitute financial advice or a recommendation to buy or sell any securities. Market share data and specific financial figures are estimates and subject to change. Investors should conduct their own due diligence and consult with a qualified financial advisor before making 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.
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