Latest Ratios: P/E Ratio 11.9x · EV/EBITDA 7.5x · 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 | $914M | $739M | $956M | $901M | $1.1B | $242M | $732M | $978M | $954M | $1.1B | $1.1B |
| P/E Ratio → | 11.90 | 10.36 | 11.44 | 9.14 | 9.90 | 9.62 | 12.86 | 11.96 | 12.54 | 17.10 | 36.79 |
| P/S Ratio | 3.23 | 2.87 | 2.90 | 2.19 | 2.61 | 3.26 | 2.38 | 3.34 | 2.90 | 4.07 | 4.22 |
| P/B Ratio | 1.23 | 1.00 | 0.98 | 0.78 | 0.99 | 1.14 | 0.87 | 1.16 | 1.02 | 1.36 | 1.42 |
| P/FCF | 9.56 | 9.71 | 12.05 | 7.84 | 7.41 | 9.17 | 12.70 | 11.31 | 7.75 | 12.72 | 34.73 |
| P/OCF | 11.00 | 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 | 7.51 | 6.19 | 9.30 | 9.65 | 10.82 | 2.06 | 11.82 | 11.45 | 14.44 | 16.39 | 39.97 |
| EV / EBIT | 8.07 | 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 | 96.4% | 96.4% | 98.0% | 96.4% | 95.9% | 103.7% | 83.9% | 96.4% | 90.7% | 95.1% | 97.2% |
| Operating Margin | 34.6% | 34.6% | 31.8% | 29.9% | 32.8% | 42.1% | 22.5% | 34.1% | 27.8% | 30.5% | 13.7% |
| Net Profit Margin | 27.7% | 27.7% | 25.4% | 24.0% | 26.4% | 33.8% | 18.6% | 28.0% | 23.2% | 21.8% | 11.5% |
| 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 | 2.95 | 2.95 | 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 | — | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 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 | 2.2% | 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 | 8.4% | 9.7% | 8.7% | 10.9% | 10.1% | 10.4% | 7.8% | 8.4% | 8.0% | 5.8% | 2.7% |
| FCF Yield | 10.5% | 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 | 5.3% | 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 11.9x. The historical average is 14.9x. This places it at the 30th percentile of its historical range.
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.
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 11.9x. This is at the 30th 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 2.18% with a payout ratio of 27.9%.
Univest Financial Corporation has 96.4% gross margin and 34.6% 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
Credit cost normalization pressure
Metrics are mathematically derived from official filings.
Discount Multiple Reflects Earnings Durability Doubts
At a P/B of 1.23 and trailing P/E of 11.90, UVSP trades below its own 2024-2026 P/B trajectory of roughly 29 to 34 times book value per share shown in the ratio series, which appears to reflect the market's caution on rising provisions.
The reported P/B of 1.23 sits near the lower end of the regional peer range, with FULT at 1.25 and NWBI at 1.18, and below NBTB at 1.42, suggesting the market is not paying a premium for the fee-income diversification thesis. Forward P/E of 11.03 versus trailing 11.90 implies analysts expect modest earnings improvement, yet the PEG of 0.82 looks attractive only if credit costs stabilize, since the $9.0M provision in 2026Q3 would compress earnings if it persists. Investors should monitor whether the valuation discount narrows as provision trends clarify.
ROE Recovery Constrained by Thin Leverage
Based on UVSP's reported figures, ROE of 2.3% in 2026Q3 is driven by an ROA of 0.3% and an equity-to-assets ratio of 0.11, indicating that the bank's return profile depends heavily on balance sheet leverage.
The DuPont structure shows a net interest margin of 0.8% and a fee share of 24.7%, which together produce modest asset returns, while the high leverage implied by the 0.11 equity-to-assets ratio amplifies that return into a low-double-digit annualized ROE trend. Quarterly ROE has oscillated between 2.1% and 2.9% since 2024, with no sustained expansion despite NII growth, suggesting that gains are being absorbed by rising provisions and operating costs. The profitability signal is therefore best characterized as moderate rather than strong, and the reported 9.9% annual ROE should be read against this quarterly base to avoid overstating franchise quality.
Efficiency Gains Outpacing Margin Expansion
As reported in financial statements, UVSP's efficiency ratio improved from 67.6% in 2024Q2 to 60.0% in 2026Q3, while net interest margin only moved from roughly 0.6% to 0.8%, indicating operating leverage is doing more of the work than spread expansion.
The efficiency ratio improvement is substantial, but it fluctuated between 59.8% and 63.0% over the last four quarters, which suggests the cost discipline is real but not yet consistent. NIM has held within a narrow band, and the latest 0.8% level implies limited pricing flexibility if deposit costs rise further in a competitive Philadelphia-area deposit market. Investors should treat the efficiency gains as the more durable lever, while recognizing that the margin component carries funding-cost risk.
Capital Base Adequate but Earnings Cushion Thin
Based on UVSP's reported figures, equity-to-assets near 0.11 and a tangible book value per share of $27.60 indicate a capital position that supports current operations but offers limited earnings buffer against a credit cycle turn.
The reported equity ratio appears adequate for a regional bank of this asset size, and the debt-to-equity ratio of 0.37 suggests the parent company carries modest external leverage. However, the tangible book value growth from $22.86 in 2024Q2 to $27.60 in 2026Q3 reflects retained earnings accumulation more than a capacity for aggressive capital return. Given that quarterly buybacks ranged from $4.1M to $15.4M, investors should assess whether capital deployment is sustainable if provision expense continues to rise.
Provision Spike Signals Early Credit Normalization
According to reported figures, UVSP's provision expense rose to $9.0M in 2026Q3 from $1.3M in 2026Q1, a sevenfold increase that may indicate the start of a credit cost cycle rather than an isolated event.
The provision step-up coincides with a roughly 20% decline in quarterly net income from the 2026Q1 peak, which suggests credit costs are now a material drag on reported earnings. Exposure to Philadelphia-area commercial office valuations raises the possibility that provisioning could continue to increase, though the reported data does not disclose non-performing loan or charge-off detail sufficient to confirm the trajectory. Investors should monitor provision levels and reserve coverage in upcoming filings before drawing firm conclusions about asset quality.
Misapplied P/B Obscures Tangible Return Profile
The P/B multiple of 1.23 is most commonly misread as a cheap-valuation signal, but for UVSP it may obscure that tangible returns are depressed by a thin equity base and rising credit costs, making P/TBV and ROTCE more informative anchors.
A low P/B paired with a 2.3% quarterly ROE can look like value, yet the multiple is calculated on a book base that includes goodwill from insurance agency acquisitions, which carries impairment risk under the CECL-era earnings framework. Substituting price-to-tangible-book and return on tangible common equity would better isolate the economic return on the banking franchise and avoid overstating the valuation discount. Analysts should also adjust for mortgage banking gains and provision normalization when assessing whether the current multiple reflects durable earning power.