Latest Ratios: P/E Ratio 13.1x · EV/EBITDA 7.8x · ROE 9.9%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.1B | $941M | $868M | $651M | $772M | $884M | $602M | $784M | $634M | $823M | $717M |
| Enterprise Value | $940M | $739M | $956M | $901M | $1.1B | $242M | $732M | $978M | $954M | $1.1B | $1.1B |
| P/E Ratio → | 13.10 | 10.36 | 11.44 | 9.14 | 9.90 | 9.62 | 12.86 | 11.96 | 12.54 | 17.10 | 36.79 |
| P/S Ratio | 3.48 | 2.87 | 2.90 | 2.19 | 2.61 | 3.26 | 2.38 | 3.34 | 2.90 | 4.07 | 4.22 |
| P/B Ratio | 1.26 | 1.00 | 0.98 | 0.78 | 0.99 | 1.14 | 0.87 | 1.16 | 1.02 | 1.36 | 1.42 |
| P/FCF | 11.78 | 9.71 | 12.05 | 7.84 | 7.41 | 9.17 | 12.70 | 11.31 | 7.75 | 12.72 | 34.73 |
| P/OCF | 11.25 | 9.27 | 11.55 | 7.25 | 7.05 | 8.64 | 11.77 | 10.71 | 7.37 | 11.98 | 21.54 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.25 | 3.19 | 3.03 | 3.69 | 0.89 | 2.90 | 4.17 | 4.37 | 5.45 | 6.33 |
| EV / EBITDA | 7.85 | 6.17 | 9.30 | 9.65 | 10.82 | 2.06 | 11.82 | 11.45 | 14.44 | 16.39 | 39.97 |
| EV / EBIT | 8.29 | 6.52 | 10.03 | 10.16 | 11.24 | 2.11 | 12.86 | 12.22 | 15.72 | 17.85 | 46.07 |
| EV / FCF | — | 7.62 | 13.27 | 10.85 | 10.49 | 2.50 | 15.43 | 14.12 | 11.67 | 17.05 | 52.15 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.0% | 61.0% | 58.6% | 63.8% | 86.0% | 96.2% | 75.1% | 80.9% | 79.0% | 86.6% | 90.6% |
| Operating Margin | 21.9% | 21.9% | 19.0% | 19.8% | 29.5% | 39.0% | 20.2% | 28.6% | 24.2% | 27.8% | 12.8% |
| Net Profit Margin | 17.5% | 17.5% | 15.2% | 15.9% | 23.7% | 31.3% | 16.6% | 23.5% | 20.2% | 19.8% | 10.7% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 9.9% | 8.8% | 8.8% | 10.1% | 12.5% | 6.9% | 10.1% | 8.2% | 8.0% | 4.5% |
| ROA | 1.1% | 1.1% | 1.0% | 0.9% | 1.1% | 1.4% | 0.8% | 1.3% | 1.1% | 1.0% | 0.5% |
| ROIC | 6.5% | 6.5% | 5.4% | 5.1% | 6.4% | 8.3% | 4.2% | 5.9% | 4.5% | 4.9% | 2.6% |
| ROCE | 8.8% | 8.8% | 7.2% | 7.3% | 9.4% | 11.3% | 5.8% | 8.9% | 7.3% | 8.1% | 4.2% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.37 | 0.37 | 0.47 | 0.60 | 0.61 | 0.32 | 0.50 | 0.48 | 0.69 | 0.59 | 0.83 |
| Debt / EBITDA | 2.94 | 2.94 | 4.06 | 5.36 | 4.69 | 2.11 | 5.64 | 3.74 | 6.50 | 5.28 | 15.50 |
| Net Debt / Equity | — | -0.21 | 0.10 | 0.30 | 0.41 | -0.83 | 0.19 | 0.29 | 0.51 | 0.46 | 0.71 |
| Net Debt / EBITDA | -1.69 | -1.69 | 0.86 | 2.68 | 3.18 | -5.47 | 2.09 | 2.28 | 4.85 | 4.16 | 13.35 |
| Debt / FCF | — | -2.08 | 1.22 | 3.01 | 3.08 | -6.66 | 2.73 | 2.81 | 3.92 | 4.33 | 17.42 |
| Interest Coverage | 0.60 | 0.60 | 0.47 | 0.58 | 2.87 | 5.36 | 1.92 | 1.78 | 1.87 | 3.12 | 1.89 |
Net cash position: cash ($554M) exceeds total debt ($352M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.08 | 0.08 | 0.09 | 0.14 | 0.12 | 0.23 | 0.12 | 0.12 | 0.15 | 0.16 | 0.18 |
| Quick Ratio | 0.08 | 0.08 | 0.09 | 0.14 | 0.12 | 0.23 | 0.12 | 0.12 | 0.15 | 0.16 | 0.18 |
| Cash Ratio | 0.08 | 0.08 | 0.05 | 0.04 | 0.02 | 0.15 | 0.04 | 0.03 | 0.03 | 0.02 | 0.02 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.1% | 2.7% | 2.9% | 3.9% | 3.2% | 2.7% | 2.9% | 3.0% | 3.7% | 2.6% | 2.4% |
| Payout Ratio | 27.9% | 27.9% | 32.7% | 35.2% | 31.5% | 25.7% | 37.4% | 35.7% | 46.5% | 48.3% | 87.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.6% | 9.7% | 8.7% | 10.9% | 10.1% | 10.4% | 7.8% | 8.4% | 8.0% | 5.8% | 2.7% |
| FCF Yield | 8.5% | 10.3% | 8.3% | 12.8% | 13.5% | 10.9% | 7.9% | 8.8% | 12.9% | 7.9% | 2.9% |
| Buyback Yield | 3.0% | 3.7% | 2.3% | 0.3% | 1.5% | 0.1% | 0.7% | 0.3% | 0.9% | 0.4% | 1.2% |
| Total Shareholder Yield | 5.2% | 6.4% | 5.1% | 4.1% | 4.7% | 2.7% | 3.7% | 3.3% | 4.7% | 3.0% | 3.5% |
| Shares Outstanding | — | $29M | $29M | $30M | $30M | $30M | $29M | $29M | $29M | $29M | $23M |
Includes 30+ ratios · 30 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying UVSP stock.
Univest Financial Corporation's current P/E ratio is 13.1x. The historical average is 14.9x. This places it at the 50th percentile of its historical range.
Univest Financial Corporation's current EV/EBITDA is 7.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.1x.
Univest Financial Corporation's return on equity (ROE) is 9.9%. The historical average is 10.8%.
Based on historical data, Univest Financial Corporation is trading at a P/E of 13.1x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Univest Financial Corporation's current dividend yield is 2.13% with a payout ratio of 27.9%.
Univest Financial Corporation has 61.0% gross margin and 21.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Univest Financial Corporation's Debt/EBITDA ratio is 2.9x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.
Key Metrics
Top Statement Risk
Philadelphia CRE concentration
Metrics are mathematically derived from official filings.
Premium Priced for Diversification
UVSP trades at 1.35x book and 14.0x trailing earnings, a premium to regional peers, according to recent market data, implying the market rewards its fee-income mix. Forward P/E of 11.7x suggests expected earnings growth.
The P/B of 1.35x sits above the peer median of roughly 1.3x, but below WSFS's premium, indicating the market partially credits UVSP's insurance and wealth management diversification. The forward P/E of 11.7x implies the market expects earnings growth, consistent with the 18.8% year-over-year net income increase in 2026Q2. However, the low PEG of 0.96 suggests the stock may be undervalued relative to its growth rate, though this hinges on the sustainability of fee income.
ROE Stable but Fee Volatility Clouds Quality
ROE has held near 2.4% in 2026Q2, according to financial statements, with ROA at 0.3%, reflecting a low-leverage, fee-diversified model. Fee income dropped to 14.3% of revenue from 17.9% sequentially, suggesting earnings quality may be uneven.
The DuPont decomposition shows ROE is driven by a thin net interest margin of 0.8% and a modest asset utilization, but the bank's efficiency ratio of 42.1% indicates strong cost control. The sequential drop in non-interest income, as reported in financial statements, raises questions about the stability of fee streams, which are critical to offsetting the low NIM. Investors should monitor whether the fee income rebound is sustainable, as the 2026Q2 level is below the 2025 average.
NIM Stuck at 0.8% Despite Efficiency Gains
Net interest margin remained at 0.8% in 2026Q2, unchanged from the prior quarter, as per financial statements, while the efficiency ratio improved to 42.1%. This suggests operating leverage is offsetting a stagnant NIM.
The NIM of 0.8% is well below the peer average, indicating limited pricing power or a high proportion of low-yielding securities. However, the efficiency ratio of 42.1% is among the best in the peer group, reflecting disciplined expense management. The improvement in efficiency from 40.0% in 2026Q1 suggests revenue growth is outpacing expenses, but the sustainability of this trend depends on fee income recovery and deposit cost control.
Equity Ratio Stable, Capital Return Steady
Equity-to-assets held at 12% in 2026Q2, unchanged from the prior quarter, according to financial statements, indicating a stable capital position. Dividends and buybacks totaled $21.2M in the quarter, supported by strong earnings.
The equity-to-assets ratio of 12% is healthy and provides a buffer against credit losses, though it is lower than some peers. The bank's capital return program, including $6.4M in dividends and $14.8M in buybacks, appears sustainable given the 1.04x operating cash flow coverage of net income. However, the low NIM and potential credit costs from Philadelphia CRE exposure could pressure capital generation if provisions rise.
Provision Jump Signals Caution
Loan loss provision rose to $2.7M in 2026Q2 from $1.3M in the prior quarter, as reported in financial statements, signaling increased caution. The bank's net margin of 17.5% appears resilient but may not fully discount a credit cycle turn.
The doubling of provisions suggests management is building reserves ahead of potential deterioration, possibly related to Philadelphia-area commercial real estate. While the absolute level is manageable, the trend warrants monitoring. The bank's allowance coverage is not disclosed, but the provision increase implies a less optimistic outlook. Investors should watch for further provisioning if local CRE appraisals decline.
P/E Misleads on Fee Volatility
The P/E ratio is commonly misapplied to UVSP because fee income volatility, such as the 21.9% sequential drop in non-interest income in 2026Q2, distorts earnings. Analysts should use P/TBV and pre-provision net revenue for a clearer view.
The trailing P/E of 14.0x may understate the bank's value if fee income is temporarily depressed, or overstate it if the drop is structural. The P/B of 1.35x is more stable, but it does not capture the earnings power of the insurance and wealth segments. A better metric is P/TBV, which at 1.35x (based on tangible book of $27.54) reflects the franchise value. Additionally, adjusting for mortgage banking gains and insurance commission seasonality would provide a more accurate earnings base.