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Univest Financial Corporation

UVSP

Financial Services · 42.58 +0.9% today

Isolated · not yet confirmedMarket checked 10 Sept, 15:55 GMT-4

Market read

Univest Financial Corporation's current read is isolated; its market group is not confirming.

No new filing conclusion is available. 0 of 22 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 2 directly disclosed connections are confirming.

Company+0.9% todayVolume comparison unavailable
Market group0 of 22 activeRegional Banks · unavailable
Disclosed network0 of 2 confirmingNo filing-linked name is confirming now
What would change this read
  • UVSP's market-adjusted activity becomes unusual and at least one connected name confirms.

Invalidation: The isolated read changes if UVSP's group or a disclosed connection begins moving with it.

Watch this read

Research brief

The story so far

Financial Services · Banks - Regional

No new filing conclusion is available. 0 of 22 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 2 directly disclosed connections are confirming.

Evidence that supports

No thresholded supportive filing evidence is available yet.

Evidence that challenges

No thresholded adverse filing evidence is available yet.

What would clarify the read
  • UVSP's market-adjusted activity becomes unusual and at least one connected name confirms.

Company research

Understand the business, not just the ticker

As of Sep 11, 2026
Business model and earnings drivers

Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.

Key research questions
  • Which operating variable is changing?
  • Is that change durable, cyclical or one-off?
  • What evidence would disprove the current interpretation?
Annual periods9
Price observations319
Usable filing statements118
Verified relationships2
Evidence supporting the case
  • Latest annual revenue changed +9.6% year over year.
  • Net margin changed +2.3 percentage points in the latest annual period.
  • Operating cash flow covered net income at 1.12x in the latest annual period.
Evidence challenging the case
  • Credit and interest rates has repeated adverse evidence across 4 filings.
Questions before a position
  • EV/sales is 96% below the available filing-peer median; determine whether growth and quality justify the difference.
Longer-term price context

Price as of Sep 10, 2026

42.58
6m+26.9%12m+33.5%24m
Annual trajectory

Reported annual revenue and per-share history. This is accounting history, not a forecast.

PeriodRevenueYoYDiluted EPSShare change
2021-12-31$0$3.11+1.0%
2022-12-31$296.2M$2.64-0.0%
2023-12-31$296.8M+0.2%$2.41-0.1%
2024-12-31$299.2M+0.8%$2.58-0.4%
2025-12-31$328.1M+9.6%$3.13-1.4%

What management says matters

Persistent and emerging business drivers

Credit and interest ratesmixed · 4 filings
Borrowings Total borrowings decreased $23.2 million, or 7.2%, from December 31, 2025, primarily due to maturities of long-term FHLB advances totaling $50.0 million, offset by a $25.0 million long-term FHLB advance, partially offset by a $1.7 million increase…
10-Q · Apr 28, 2026
Capital investment and capacitymixed · 1 filings
The ability of our subsidiaries to pay dividends is subject to legal and regulatory limitations, profitability, financial condition, capital expenditures and other cash flow requirements.
10-K · Feb 23, 2026
Demand and volumenegative · 1 filings
Gains on the sale of Small Business Administration loans increased $1.9 million due to increased sale volume, partially offset by a $605 thousand decrease in interest rate swap income due to decreased demand.
10-K · Feb 23, 2026
Legal and regulatory exposuremixed · 1 filings
The ability of our subsidiaries to pay dividends is subject to legal and regulatory limitations, profitability, financial condition, capital expenditures and other cash flow requirements.
10-K · Feb 23, 2026

Valuation discipline

Descriptive valuation snapshot

Price/sales 3.8× · EV/sales 3.8×. Comparisons use only industry-matched filing peers.

Scenario scaffold

Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.

Price action

How the market is pricing the story

42.58+0.9% today

Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.

Developments

No sourced recent-development timeline yet

Jodie has not returned a relevant primary source or news item for UVSP. This is an evidence-coverage gap, not a conclusion that nothing material happened.

Business and financial condition

Reported financial figures are not available yet

Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.

Filing analysis

No comparable filing assessment is available yet

Jodie has not yet found a suitable current-versus-prior filing comparison for UVSP. This does not mean the latest filing was neutral or immaterial.

Business ecosystem

The relationships behind UVSP

Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.

Depends on

MKCMcCormick & Company, IncorporatedpartnerFeb 23, 2026

McCormick 48 Senior Executive Vice President and Chief Commercial Banking Officer of the Bank.

Depended on by

GDCGD Culture Group LimitedpartnerNov 3, 2025

In connection with the October 2025 Private Placement, on October 24, 2025, the Company entered into a placement agency agreement (the “October 2025 Placement Agency Agreement”) with Univest (the “Placement Agent”).

Filing peers

Companies whose filings use similar operating language.

Open the three relationships above to see Jodie’s filing proof. Pro unlocks every receipt, and alerts when connected names begin moving. Unlock the full network →

What is moving around it

Live connections

UVSP is currently a Follower in the organic co-movement group Regional Banks. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 2 filing-linked names are in the relationship map; none is currently confirmed as moving with the group.

This group is retained as the last observed read for UVSP; it is not active in the latest market snapshot.

Context history

Theme membership history

No durable theme membership has been observed for this name yet.