Univest Corporation Pennsylvania (UVSP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Univest Corporation Pennsylvania stock (UVSP) is currently trading at $33.70. Univest Corporation Pennsylvania PE ratio is 10.80. Univest Corporation Pennsylvania PS ratio (Price-to-Sales) is 3.06. Analyst consensus price target for UVSP is $36.00. WallStSmart rates UVSP as Moderate Buy.
- UVSP PE ratio analysis and historical PE chart
- UVSP PS ratio (Price-to-Sales) history and trend
- UVSP intrinsic value — DCF, Graham Number, EPV models
- UVSP stock price prediction 2025 2026 2027 2028 2029 2030
- UVSP fair value vs current price
- UVSP insider transactions and insider buying
- Is UVSP undervalued or overvalued?
- Univest Corporation Pennsylvania financial analysis — revenue, earnings, cash flow
- UVSP Piotroski F-Score and Altman Z-Score
- UVSP analyst price target and Smart Rating
Univest Corporation Pennsylvania
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UVSP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Univest Corporation Pennsylvania (UVSP)
UVSP trades at a significant discount to its Graham intrinsic value of $130.96, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Univest Corporation Pennsylvania (UVSP) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Univest Corporation Pennsylvania (UVSP) Key Strengths (6)
Keeps $35 of every $100 in revenue after operating costs
Keeps $29 of every $100 in revenue as net profit
80.38% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.01x book value, attractively priced
Strong earnings growth at 21.90% per year
Supporting Valuation Data
Univest Corporation Pennsylvania (UVSP) Areas to Watch (4)
Low profitability relative to shareholder equity
Modest revenue growth at 6.90%
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.06x sales
Univest Corporation Pennsylvania (UVSP) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 4.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.30), Price/Book (1.01) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.90%, Profit Margin at 28.90%. Growth metrics are encouraging with EPS Growth at 21.90%.
The Bear Case
The primary concerns are Return on Equity, Revenue Growth, Market Cap. Some valuation metrics including Price/Sales (3.06) suggest expensive pricing. Growth concerns include Revenue Growth at 6.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.92%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.92% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UVSP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UVSP's Price-to-Sales ratio of 3.06x trades 28% below its historical average of 4.28x (7th percentile). The current valuation is 52% below its historical high of 6.39x set in Dec 2008, and 20% above its historical low of 2.55x in Jan 2019.
WallStSmart Analysis Synopsis
Data-driven financial summary for Univest Corporation Pennsylvania (UVSP) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Univest Corporation Pennsylvania is a mature, profitable business with steady cash generation. Revenue reached 314M with 7% growth year-over-year. Profit margins are strong at 28.9%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 28.9% and operating margin of 34.9% demonstrate strong pricing power and operational efficiency.
Generating 25M in free cash flow and 31M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Univest Corporation Pennsylvania.
Bottom Line
Univest Corporation Pennsylvania is a well-established business delivering consistent profitability with 28.9% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Univest Corporation Pennsylvania(UVSP)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Univest Financial Corporation is the banking holding company for Univest Bank and Trust Co. offering banking products and services primarily in Pennsylvania. The company is headquartered in Souderton, Pennsylvania.