Univest Financial Corporation (UVSP) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
7.53
-1% vs avg
5yr avg: 7.60
30Y Low2.1·High40.0
P/FCF
↑
11.40
↑+23% vs avg
5yr avg: 9.23
30Y Low6.1·High34.7
P/B Ratio
↓
1.18
↑+21% vs avg
5yr avg: 0.98
30Y Low0.8·High2.7
ROE
↓
9.9%
-1% vs avg
5yr avg: 10.0%
30Y Low5%·High17%
Debt/EBITDA
↑
2.94
↓-23% vs avg
5yr avg: 3.83
30Y Low0.4·High15.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
UVSP Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Univest Financial Corporation trades at 12.3x earnings, 22% above its 5-year average of 10.1x, sitting at the 33rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a discount of 8%. On a free-cash-flow basis, the stock trades at 11.4x P/FCF, 23% above the 5-year average of 9.2x.
| 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 | $903M | $739M | $956M | $901M | $1.1B | $242M | $732M | $978M | $954M | $1.1B | $1.1B |
| P/E Ratio → | 12.28 | 10.36 | 11.44 | 9.14 | 9.90 | 9.62 | 12.86 | 11.96 | 12.54 | 17.10 | 36.79 |
| P/S Ratio | 2.13 | 1.81 | 1.73 | 1.45 | 2.34 | 3.02 | 2.13 | 2.80 | 2.53 | 3.70 | 3.93 |
| P/B Ratio | 1.18 | 1.00 | 0.98 | 0.78 | 0.99 | 1.14 | 0.87 | 1.16 | 1.02 | 1.36 | 1.42 |
| P/FCF | 11.40 | 9.71 | 12.05 | 7.84 | 7.41 | 9.17 | 12.70 | 11.31 | 7.75 | 12.72 | 34.73 |
| P/OCF | 10.88 | 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
UVSP EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Univest Financial Corporation's enterprise value stands at 7.5x EBITDA, roughly in line with its 5-year average of 7.6x. The Financial Services sector median is 11.4x, placing the stock at a 34% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.43 | 1.91 | 2.01 | 3.31 | 0.82 | 2.59 | 3.50 | 3.80 | 4.96 | 5.90 |
| EV / EBITDA | 7.53 | 6.17 | 9.30 | 9.65 | 10.82 | 2.06 | 11.82 | 11.45 | 14.44 | 16.39 | 39.97 |
| EV / EBIT | 7.96 | 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 |
UVSP Profitability
Margins and return-on-capital ratios measuring operating efficiency
Univest Financial Corporation earns an operating margin of 21.9%, roughly in line with the Financial Services sector average. Operating margins have expanded from 19.8% to 21.9% over the past 3 years, signaling improving operational efficiency. ROE of 9.9% is modest. ROIC of 6.5% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
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% |
Return on Capital
| 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% |
UVSP Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Univest Financial Corporation carries a Debt/EBITDA ratio of 2.9x, which is moderately leveraged (29% below the sector average of 4.1x). The company holds a net cash position — cash of $554M exceeds total debt of $352M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| 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)
UVSP Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.08x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.14x to 0.08x over the past 3 years.
| 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 | — | — | — | — | — | — | — | — | — | — | — |
UVSP Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Univest Financial Corporation returns 5.4% to shareholders annually — split between a 2.3% dividend yield and 3.1% buyback yield. The payout ratio of 27.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | 2.3% | 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% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.1% | 9.7% | 8.7% | 10.9% | 10.1% | 10.4% | 7.8% | 8.4% | 8.0% | 5.8% | 2.7% |
| FCF Yield | 8.8% | 10.3% | 8.3% | 12.8% | 13.5% | 10.9% | 7.9% | 8.8% | 12.9% | 7.9% | 2.9% |
| Buyback Yield | 3.1% | 3.7% | 2.3% | 0.3% | 1.5% | 0.1% | 0.7% | 0.3% | 0.9% | 0.4% | 1.2% |
| Total Shareholder Yield | 5.4% | 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 |
Peer Comparison
Compare UVSP with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 UVSPYou | $1B | 12.3 | 7.5 | 11.4 | 61.0% | 21.9% | 9.9% | 6.5% | 2.9 |
 NBTB | $2B | 13.4 | 10.3 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FULT | $4B | 10.4 | 9.8 | 14.6 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 ACNB | $548M | 14.7 | 16.1 | 10.4 | 73.7% | 27.3% | 10.2% | 5.3% | 6.2 |
 CZNC | $389M | 14.9 | 18.7 | 13.8 | 65.3% | 18.6% | 7.6% | 4.2% | 6.7 |
 PFIS | $570M | 9.7 | 10.7 | 13.1 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 NWBI | $2B | 15.3 | 13.7 | 14.5 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 WSFS | $4B | 14.1 | 6.8 | 17.7 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 TRMK | $3B | 12.1 | 9.5 | 11.4 | 71.0% | 25.5% | 11.0% | 7.1% | 3.4 |
 SFNC | $3B | -7.3 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 IBCP | $690M | 10.3 | 9.3 | 9.8 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonUVSP — Frequently Asked Questions
Quick answers to the most common questions about buying UVSP stock.
What is Univest Financial Corporation's P/E ratio?
Univest Financial Corporation's current P/E ratio is 12.3x. The historical average is 14.9x. This places it at the 33th percentile of its historical range.
What is Univest Financial Corporation's EV/EBITDA?
Univest Financial Corporation's current EV/EBITDA is 7.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.1x.
What is Univest Financial Corporation's ROE?
Univest Financial Corporation's return on equity (ROE) is 9.9%. The historical average is 10.8%.
Is UVSP stock overvalued?
Based on historical data, Univest Financial Corporation is trading at a P/E of 12.3x. This is at the 33th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Univest Financial Corporation's dividend yield?
Univest Financial Corporation's current dividend yield is 2.27% with a payout ratio of 27.9%.
What are Univest Financial Corporation's profit margins?
Univest Financial Corporation has 61.0% gross margin and 21.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Univest Financial Corporation have?
Univest Financial Corporation's Debt/EBITDA ratio is 2.9x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.