Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.90 | 13.13 | 13.34 | 8.92 | 10.23 | 8.43 | 10.88 | 9.21 | 11.35 | 11.17 | 9.21 | 7.54 | 10.01 | 7.49 | 7.93 | 8.36 | 8.06 | 8.27 | 14.13 | 9.84 | 12.68 |
| — | +55.8% | +22.6% | -3.1% | -9.9% | -24.5% | +18.2% | +22.1% | +13.3% | +49.1% | +16.1% | -9.8% | +24.2% | -9.4% | -43.9% | -15.0% | -36.4% | -14.3% | +52.2% | +52.8% | +116.8% | |
| P/S Ratio | 3.23 | 3.16 | 3.63 | 2.79 | 2.75 | 2.61 | 2.69 | 2.63 | 2.79 | 2.81 | 2.33 | 2.00 | 2.28 | 1.78 | 1.80 | 2.22 | 2.33 | 2.27 | 2.67 | 2.96 | 3.30 |
| — | +20.9% | +34.8% | +6.0% | -1.7% | -7.2% | +15.7% | +31.8% | +22.5% | +58.4% | +29.4% | -9.9% | -2.3% | -21.6% | -32.7% | -25.2% | -29.4% | -22.5% | -8.1% | -2.9% | +41.8% | |
| P/B Ratio | 1.23 | 1.20 | 1.28 | 1.02 | 0.98 | 0.93 | 0.95 | 0.92 | 0.97 | 0.94 | 0.78 | 0.73 | 0.78 | 0.64 | 0.66 | 0.88 | 0.99 | 0.92 | 0.99 | 1.03 | 1.14 |
| — | +28.6% | +34.8% | +10.1% | +1.9% | -1.1% | +21.3% | +26.5% | +24.6% | +47.9% | +18.4% | -16.8% | -21.7% | -30.5% | -32.8% | -14.7% | -13.1% | -14.4% | -6.3% | -11.4% | +31.0% | |
| P/FCF | 9.56 | 6.28 | 12.47 | 11.21 | 9.13 | 6.93 | 9.96 | 15.27 | 7.83 | 5.39 | — | 14.62 | 6.17 | 6.16 | 7.56 | 9.65 | 7.87 | 7.80 | 5.48 | 8.55 | 6.45 |
| — | -9.3% | +25.3% | -26.5% | +16.7% | +28.5% | — | +4.4% | +26.8% | -12.4% | — | +51.5% | -21.6% | -21.0% | +38.1% | +12.8% | +21.9% | -35.2% | -52.4% | +16.5% | -84.2% | |
| EV / EBITDA | 7.51 | 12.24 | 12.75 | 7.77 | 6.02 | 2.18 | 10.41 | 8.81 | 9.92 | 7.31 | 9.79 | 7.05 | 10.58 | 8.33 | 12.89 | 11.30 | 9.06 | 8.17 | 14.04 | 2.56 | 2.76 |
| — | +462.9% | +22.4% | -11.8% | -39.3% | -70.3% | +6.4% | +25.0% | -6.2% | -12.3% | -24.1% | -37.6% | +16.8% | +2.0% | -8.2% | +342.2% | +228.2% | +496.2% | +82.0% | -56.8% | -50.2% | |
| EV / EBIT | 8.07 | 12.24 | 13.40 | 8.01 | 6.33 | 2.29 | 10.97 | 9.28 | 9.95 | 7.86 | 10.21 | 8.33 | 11.04 | 8.71 | 13.61 | 11.86 | 9.19 | 8.53 | 14.98 | 2.67 | 2.72 |
| — | +434.3% | +22.1% | -13.7% | -36.4% | -70.9% | +7.4% | +11.5% | -9.9% | -9.7% | -24.9% | -29.8% | +20.1% | +2.1% | -9.1% | +344.7% | +238.3% | +495.6% | +85.6% | -56.2% | -53.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.4% | 90.0% | 96.8% | 98.5% | 96.3% | 99.4% | 93.0% | 97.1% | 96.9% | 98.1% | 99.0% | 98.1% | 97.3% | 97.2% | 95.4% | 95.7% | 93.4% | 95.3% | 90.5% | 105.1% | 97.9% |
| — | -9.4% | +4.1% | +1.5% | -0.6% | +1.3% | -6.1% | -1.1% | -0.4% | +0.9% | +3.8% | +2.5% | +4.1% | +2.0% | +5.4% | -9.0% | -4.6% | -4.9% | -9.6% | -9.7% | -13.7% | |
| Operating Margin | 34.6% | 30.0% | 33.9% | 38.7% | 34.0% | 38.5% | 30.9% | 34.8% | 30.9% | 31.9% | 31.4% | 33.2% | 28.6% | 29.4% | 28.2% | 33.0% | 36.0% | 34.1% | 23.3% | 37.5% | 33.0% |
| — | -22.0% | +9.7% | +11.1% | +9.7% | +20.8% | -1.6% | +4.9% | +8.3% | +8.4% | +11.1% | +0.4% | -20.5% | -13.7% | +21.1% | -11.9% | +9.1% | -9.8% | -39.4% | -36.3% | -32.7% | |
| Net Margin | 27.7% | 24.0% | 27.2% | 31.3% | 26.9% | 30.8% | 24.7% | 28.3% | 24.7% | 25.3% | 25.1% | 26.3% | 22.8% | 23.5% | 22.7% | 26.6% | 28.9% | 27.3% | 18.7% | 30.3% | 26.1% |
| — | -22.2% | +10.4% | +10.6% | +9.1% | +21.6% | -2.0% | +7.3% | +8.3% | +7.6% | +11.0% | -1.0% | -21.3% | -13.8% | +21.2% | -12.0% | +10.9% | -9.6% | -40.0% | -36.3% | -34.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 2.3% | 2.4% | 2.9% | 2.4% | 2.8% | 2.2% | 2.5% | 2.1% | 2.1% | 2.1% | 2.4% | 2.0% | 2.1% | 2.1% | 2.7% | 3.1% | 2.7% | 1.7% | 2.6% | 2.3% |
| — | -18.2% | +9.7% | +14.3% | +12.9% | +29.2% | +2.9% | +3.7% | +8.7% | +1.7% | +1.8% | -9.7% | -36.6% | -23.0% | +22.4% | +1.7% | +36.8% | -2.0% | -40.0% | -43.0% | -40.1% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% |
| — | -17.4% | +11.9% | +17.5% | +15.3% | +34.2% | +8.2% | +6.3% | +11.3% | +4.9% | +3.3% | -9.4% | -38.3% | -27.8% | +17.8% | +1.1% | +36.7% | -2.5% | -41.7% | -44.2% | -39.3% | |
| ROIC | 6.5% | 1.7% | 1.7% | 2.0% | 1.7% | 1.9% | 1.5% | 1.6% | 1.4% | 1.4% | 1.3% | 1.5% | 1.1% | 1.1% | 1.0% | 1.4% | 1.9% | 1.8% | 1.2% | 1.8% | 1.6% |
| — | -13.9% | +16.9% | +21.1% | +27.0% | +43.3% | +11.4% | +10.1% | +19.5% | +22.1% | +26.6% | +1.9% | -40.2% | -38.8% | -11.1% | -22.3% | +17.7% | -8.0% | -38.0% | -36.0% | -25.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.37 | 0.26 | 0.28 | 0.34 | 0.37 | 0.26 | 0.42 | 0.40 | 0.47 | 0.47 | 0.52 | 0.52 | 0.60 | 0.64 | 0.93 | 0.85 | 0.61 | 0.41 | 0.43 | 0.32 | 0.32 |
| — | +2.4% | -32.9% | -13.2% | -20.6% | -45.3% | -19.0% | -23.5% | -21.1% | -26.2% | -44.0% | -38.7% | -2.3% | +56.7% | +117.5% | +165.4% | +90.7% | +27.5% | +23.2% | -30.9% | -36.6% | |
| Debt / EBITDA | 2.95 | 9.30 | 8.98 | 9.50 | 11.65 | 7.14 | 14.64 | 12.35 | 17.49 | 16.48 | 18.83 | 14.49 | 23.47 | 23.28 | 33.79 | 24.66 | 15.74 | 11.38 | 18.59 | 9.38 | 11.42 |
| — | +30.2% | -38.6% | -23.1% | -33.4% | -56.7% | -22.3% | -14.7% | -25.5% | -29.2% | -44.3% | -41.3% | +49.1% | +104.6% | +81.8% | +162.8% | +37.8% | +28.3% | +95.5% | +17.2% | +8.1% | |
| Current Ratio | 0.08 | 346.60 | 4.22 | 0.03 | 0.08 | 25.51 | 0.06 | 0.06 | 0.09 | 0.16 | 0.12 | 0.12 | 0.14 | 0.13 | 0.12 | 0.12 | 0.12 | 0.11 | 0.11 | 0.21 | 0.23 |
| — | +1258.7% | +6871.6% | -44.6% | -8.1% | +15738.2% | -49.6% | -50.7% | -33.4% | +21.7% | +3.5% | +5.6% | +13.0% | +19.4% | +3.9% | -45.0% | -47.5% | -51.0% | -7.4% | +96.7% | +93.7% | |
| Quick Ratio | 0.08 | 346.60 | 4.22 | 0.03 | 0.08 | 25.51 | 0.06 | 0.06 | 0.09 | 0.16 | 0.12 | 0.12 | 0.14 | 0.13 | 0.12 | 0.12 | 0.12 | 0.11 | 0.11 | 0.21 | 0.23 |
| — | +1258.7% | +6871.6% | -44.6% | -8.1% | +15738.2% | -49.6% | -50.7% | -33.4% | +21.7% | +3.5% | +5.6% | +13.0% | +19.4% | +3.9% | -45.0% | -47.5% | -51.0% | -7.4% | +96.7% | +93.7% | |
| Interest Coverage | 0.60 | 0.60 | 0.68 | 0.78 | 0.58 | 0.66 | 0.54 | 0.59 | 0.46 | 0.44 | 0.46 | 0.54 | 0.42 | 0.49 | 0.58 | 1.09 | 1.91 | 3.01 | 3.13 | 5.55 | 4.64 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying UVSP stock.
Univest Financial Corporation's current P/E is 11.9x. The average P/E over the last 4 quarters is 11.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Univest Financial Corporation's current operating margin is 34.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Univest Financial Corporation's business trajectory between earnings reports.