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Philadelphia-suburb bank (Univest Bank) offering commercial and retail banking, insurance and wealth management.
Philadelphia-suburb bank (Univest Bank) offering commercial and retail banking, insurance and wealth management.
Earns mainly the spread between loan interest and deposit costs, with commercial real estate and business lending the larger part, while fees from insurance, wealth management and mortgage banking diversify the mix. Operates from the suburbs of Philadelphia, mostly southeastern Pennsylvania.
Moat: narrow (scale, distribution). Long-standing Philadelphia-suburb branch franchise with diversified insurance/wealth cross-sell.
Headquarters: Souderton, Pennsylvania, US · Founded: 1876 · Employees: 960
Size Univest Financial (UVSP) is a United States Financials company (Regional Banks) with a market value of $1.10B, the 2190th largest of 3,117 United States companies the cockpit tracks. Shares closed at $40.47 on 6 Nov 2026.
Performance Over six months the shares gained 4.1%, against +8.4% for the median peer and -1.1% for the United States market (cap-weighted) — 5th lowest of 20 in its peer set.
Growth Revenue grew 2.3% over the last twelve months (peer median +12.1%); the operating margin is 34.2% (peer median 37.7%).
Valuation It trades at 1.16× book value against a peer median of 1.13× (11th cheapest of 21).
Price implies The share price implies a return on equity of about 9.1%; Univest Financial delivers 10.0%, so the price asks less than the business earns today.
Short interest Short interest is 3.9% of the free float (15 Oct 2026).
Next results Next results expected around 27 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $525M | $517M | $500M | $447M | $328M |
| Revenue growth | — | +3% | +12% | +36% | — |
| Net income | $94.4M | $90.8M | $75.9M | $71.1M | $78.1M |
| Free cash flow | $115M | $92.7M | $70.4M | $85.0M | $82.6M |
| Capital expenditure | $5.13M | $4.58M | $8.81M | $14.6M | $5.22M |
| Total debt | $251M | $352M | $417M | $500M | $474M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Univest Financial UVSP | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% |
| S&T Bancorp STBA | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% |
| Customers Bancorp CUBI | $2.82B | +10% | +8% | 14% | 1.29× | 14.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | UVSP | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -1.9% | +3.1% | 7th lowest of 21 |
| 6-month return | +4.1% | +8.4% | 5th lowest of 20 |
| Return on equity | 10.0% | 11.6% | 8th lowest of 21 |
| Price / book | 1.16× | 1.13× | 11th cheapest of 21 |
| Trailing P/E | 12.1× | 11.2× | 8th most expensive of 21 |
| ROE the price implies | 9.1% | 9.0% | 10th most demanding of 21 |
| ROE delivered | 10.0% | 11.8% | 8th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |
| Five Star Bancorp FSBC | United States | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% | 14.8% |
| Northeast Bank NBN | United States | $1.08B | +1% | +9% | 20% | 1.72× | 11.8% | 20.0% |
| San ju San Financial 7322.T | Japan | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% | 5.4% |
| First Bank of Toyama 7184.T | Japan | $1.12B | +10% | +14% | 10% | 0.90× | 7.9% | 10.2% |
| Horizon Bancorp HBNC | United States | $1.07B | +13% | +424% | 16% | 1.52× | 12.0% | 15.7% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| CNB Financial CCNE | United States | $1.06B | +15% | +26% | 13% | 1.24× | 9.0% | 13.2% |
| Bank of Jiujiang 6190.HK | Hong Kong | $1.06B | +55% | -2% | 1% | 0.20× | 3.5% | 1.5% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Mercantile Bank MBWM | United States | $1.05B | +16% | +5% | 14% | 1.41× | 11.5% | 13.6% |
| Forbright FRBT | United States | $1.04B | n/a | +11% | 11% | 1.01× | 6.4% | n/a |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Business First Bancshares BFST | United States | $1.04B | +16% | +7% | 10% | 1.02× | 8.6% | 10.1% |
| MetroCity Bankshares MCBS | United States | $1.04B | +10% | +25% | 17% | 1.78× | 12.2% | 16.9% |
| Eagle Bancorp EGBN | United States | $1.03B | +28% | -11% | 5% | 0.89× | 9.0% | 4.7% |
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| Southside Bancshares SBSI | United States | $1.01B | +2% | +9% | 12% | 1.54× | 10.1% | 11.8% |
| Equity Bancshares EQBK | United States | $1.00B | +7% | +53% | 12% | 1.23× | 10.4% | 12.1% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |