Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Univest Financial Corporation's quarterly P/E stands at 10.2x, down 9.9% year-over-year. EV/EBITDA has compressed 38.6% YoY to 6.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.21 | 10.23 | 8.43 | 10.88 | 9.21 | 11.35 | 11.17 | 9.21 | 7.54 | 10.01 | 7.49 | 7.93 | 8.36 |
| — | -9.9% | -24.5% | +18.2% | +22.1% | +13.3% | +49.1% | +16.1% | -9.8% | +24.2% | -9.4% | -43.9% | -15.0% | |
| P/S Ratio | 2.12 | 1.74 | 1.65 | 1.71 | 1.66 | 1.67 | 1.63 | 1.39 | 1.24 | 1.36 | 1.11 | 1.21 | 1.70 |
| — | +4.3% | +1.3% | +23.7% | +33.7% | +22.6% | +47.0% | +14.4% | -27.2% | -30.9% | -45.5% | -51.2% | -38.7% | |
| P/B Ratio | 1.18 | 0.98 | 0.93 | 0.95 | 0.92 | 0.97 | 0.94 | 0.78 | 0.73 | 0.78 | 0.64 | 0.66 | 0.88 |
| — | +1.9% | -1.1% | +21.3% | +26.5% | +24.6% | +47.9% | +18.4% | -16.8% | -21.7% | -30.5% | -32.8% | -14.7% | |
| P/FCF | 11.34 | 9.13 | 6.93 | 9.96 | 15.27 | 7.83 | 5.39 | — | 14.62 | 6.17 | 6.16 | 7.56 | 9.65 |
| — | +16.7% | +28.5% | — | +4.4% | +26.8% | -12.4% | — | +51.5% | -21.6% | -21.0% | +38.1% | +12.8% | |
| EV / EBITDA | 7.49 | 6.09 | 2.18 | 10.41 | 8.81 | 9.92 | 7.31 | 9.79 | 7.05 | 10.58 | 8.33 | 12.89 | 11.30 |
| — | -38.6% | -70.3% | +6.4% | +25.0% | -6.2% | -12.3% | -24.1% | -37.6% | +16.8% | +2.0% | -8.2% | +342.2% | |
| EV / EBIT | 7.91 | 6.33 | 2.29 | 10.97 | 9.28 | 9.95 | 7.86 | 10.21 | 8.33 | 11.04 | 8.71 | 13.61 | 11.86 |
| — | -36.4% | -70.9% | +7.4% | +11.5% | -9.9% | -9.7% | -24.9% | -29.8% | +20.1% | +2.1% | -9.1% | +344.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Univest Financial Corporation's operating margin was 21.5% in Q4 2025, down 2.9 pp QoQ and up 3.0 pp YoY. Gross margin expanded 5.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.0% | 60.9% | 62.9% | 59.2% | 61.1% | 57.8% | 56.8% | 59.0% | 60.9% | 57.9% | 60.7% | 64.3% | 73.5% |
| — | +5.4% | +10.6% | +0.4% | +0.3% | -0.3% | -6.3% | -8.2% | -17.1% | -26.3% | -29.2% | -23.7% | -25.4% | |
| Operating Margin | 21.9% | 21.5% | 24.4% | 19.7% | 21.9% | 18.4% | 18.5% | 18.7% | 20.6% | 17.0% | 18.4% | 19.0% | 25.3% |
| — | +16.4% | +31.9% | +5.2% | +6.4% | +8.4% | +0.6% | -1.8% | -18.8% | -43.8% | -40.0% | -12.2% | -27.8% | |
| Net Margin | 17.5% | 17.0% | 19.5% | 15.7% | 17.8% | 14.7% | 14.7% | 15.0% | 16.3% | 13.6% | 14.7% | 15.3% | 20.4% |
| — | +15.7% | +32.8% | +4.8% | +8.9% | +8.4% | -0.1% | -1.9% | -20.0% | -44.3% | -40.1% | -12.1% | -27.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 2.4% | 2.8% | 2.2% | 2.5% | 2.1% | 2.1% | 2.1% | 2.4% | 2.0% | 2.1% | 2.1% | 2.7% |
| — | +12.9% | +29.2% | +2.9% | +3.7% | +8.7% | +1.7% | +1.8% | -9.7% | -36.6% | -23.0% | +22.4% | +1.7% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +15.3% | +34.2% | +8.2% | +6.3% | +11.3% | +4.9% | +3.3% | -9.4% | -38.3% | -27.8% | +17.8% | +1.1% | |
| ROIC | 6.5% | 1.7% | 1.9% | 1.5% | 1.6% | 1.4% | 1.4% | 1.3% | 1.5% | 1.1% | 1.1% | 1.0% | 1.4% |
| — | +27.0% | +43.3% | +11.4% | +10.1% | +19.5% | +22.1% | +26.6% | +1.9% | -40.2% | -38.8% | -11.1% | -22.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Univest Financial Corporation's Debt/EBITDA ratio is 11.8x, up from 7.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 8.1% YoY to 0.08x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.37 | 0.37 | 0.26 | 0.42 | 0.40 | 0.47 | 0.47 | 0.52 | 0.52 | 0.60 | 0.64 | 0.93 | 0.85 |
| — | -20.6% | -45.3% | -19.0% | -23.5% | -21.1% | -26.2% | -44.0% | -38.7% | -2.3% | +56.7% | +117.5% | +165.4% | |
| Debt / EBITDA | 2.94 | 11.79 | 7.14 | 14.64 | 12.35 | 17.49 | 16.48 | 18.83 | 14.49 | 23.47 | 23.28 | 33.79 | 24.66 |
| — | -32.5% | -56.7% | -22.3% | -14.7% | -25.5% | -29.2% | -44.3% | -41.3% | +49.1% | +104.6% | +81.8% | +162.8% | |
| Current Ratio | 0.08 | 0.08 | 25.51 | 0.06 | 0.06 | 0.09 | 0.16 | 0.12 | 0.12 | 0.14 | 0.13 | 0.12 | 0.12 |
| — | -8.1% | +15738.2% | -49.6% | -50.7% | -33.4% | +21.7% | +3.5% | +5.6% | +13.0% | +19.4% | +3.9% | -45.0% | |
| Quick Ratio | 0.08 | 0.08 | 25.51 | 0.06 | 0.06 | 0.09 | 0.16 | 0.12 | 0.12 | 0.14 | 0.13 | 0.12 | 0.12 |
| — | -8.1% | +15738.2% | -49.6% | -50.7% | -33.4% | +21.7% | +3.5% | +5.6% | +13.0% | +19.4% | +3.9% | -45.0% | |
| Interest Coverage | 0.60 | 0.58 | 0.66 | 0.54 | 0.59 | 0.46 | 0.44 | 0.46 | 0.54 | 0.42 | 0.49 | 0.58 | 1.09 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Univest Financial Corporation's current P/E is 12.2x. The average P/E over the last 4 quarters is 9.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Univest Financial Corporation's current operating margin is 21.9%. 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.