Univest Financial Corporation Common Stock (UVSP)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I see Univest Financial as a $1.1 billion market-cap regional bank holding company with three pieces: banking, wealth management, and insurance. The filed numbers show steady progress. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $84.4 million, net income $23.0 million, and diluted EPS $0.82. A year earlier, in fiscal Q2 2025, the quarter ended 2025-06-30, revenue was $81.0 million, net income $20.0 million, and diluted EPS $0.69, so profits and per-share earnings grew faster than revenue. For fiscal year 2025, the year ended 2025-12-31, revenue was $328.1 million, net income $90.8 million, and diluted EPS $3.13, up from $299.2 million, $75.9 million, and $2.58 in fiscal year 2024, the year ended 2024-12-31. Fiscal year 2023, the year ended 2023-12-31, was $296.8 million, $71.1 million, and $2.41. The FairStock Lynch category is STALWART, with profit growing 14.1% a year over five years.

In plain English: Univest is a small regional bank that also earns fees from wealth management and insurance. Its profits have grown at a steady pace and it pays a modest dividend. Based on the figures given, the stock price looks somewhat cheap compared with earnings and accounting value, but banks must be watched for loan losses.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer