UVSP · UNIVEST FINANCIAL Corp

Track UVSP — free

$41.62 -0.14 (-0.34%) At close · Aug 21

Market Cap

$1.15B

27.58M

Up next

Next earnings call

Oct 22, 2026 Est · unconfirmed · in 9 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Jul 28, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Bullish Fundamentals Strong Quant / Vol Very Low

Market backdrop VIX 15.1 · calm Equity put/call 0.51

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +12%

above

Price vs 50-day avg −4%

below

RSI (14) 36

neutral

MACD trend Negative

52-week position 79%

mid-range

Momentum

relative strength

Strong

1-month return −6%

trailing

6-month return +22%

trailing

YTD return +27%

this year

Relative strength +11%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $43 › 200d $37 — 50d above 200d

Institutional flow Accumulating

+6% holders QoQ · +31 funds added

Insider flow Distributing

Net -$1.1M over 90 days · 100% sells

Short interest Falling

2.52% of float · ▼ -6.6% MoM · 2.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

223 holders — near 3-yr high, broad support

Squeeze score 41

elevated · 0–100

Fundamentals

Strong

Revenue growth +10%

Y/Y

EPS growth +21%

Y/Y

Valuation P/E 12.1

below peers

Balance sheet $174.5M

net debt

Quant / Vol

risk profile

Very Low

Volatility 25%

annualized · 1-yr

Max drawdown −11%

past year

ATR 1.9%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the Earnings Call filed Mar 31, 2026

Loan growth · full year 2026 2% – 3%

Provision for credit losses · full year 2026 $11M – $13M

Noninterest expense growth excluding BOLI death benefits · full year 2026 6% – 8%

Noninterest expense growth · full year 2026 3% – 5%

Net interest income growth · full year 2026 5% – 7%

Effective tax rate · full year 2026 20% – 21%

Prior guidance period ended · from the Earnings Call filed Sep 30, 2025

Net interest income growth · full year 2025 12% – 14%

Noninterest expense growth · full year 2025 2% – 3%

Noninterest income growth · full year 2025 1% – 3%

Provision for credit losses · full year 2025 $11M – $13M

Effective income tax rate · full year 2025 20% – 20.5%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+12% Bullish

Price vs 50-day avg

−4% Neutral

RSI (14)

36 Neutral

MACD trend

Negative Bearish

52-week position

79% Neutral

Market signals — smart money & positioning

Bullish · 3 of 6

Trend (MA cross) No cross

50d $43 › 200d $37 — 50d above 200d

Institutional flow Accumulating

+6% holders QoQ · +31 funds added

Insider flow Distributing

Net -$1.1M over 90 days · 100% sells

Short interest Falling

2.52% of float · ▼ -6.6% MoM · 2.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

223 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $28 Now $42 · 79% Range high $45

vs 200-day avg +12% vs 50-day avg -4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Allowance for credit losses on loans and leases as a percentage of loans and leases held for inv	1.28%	Q2 2026	—
Assets under management and supervision	6.2B	Q2 2026	—

Available committed borrowing capacity	2.4B	Q2 2026	—

Cash and cash equivalents	195.3M	Q2 2026	—

Committed borrowing capacity	3.7B	Q2 2026	—

Net interest margin, on a tax-equivalent basis	3.49%	Q2 2026	—
Net interest margin, on a tax-equivalent basis (excluding excess liquidity)	3.53%	Q2 2026	—

Noninterest-bearing deposits	1.5B	Q2 2026	—

Noninterest-bearing deposits as percent of total deposits	21.1%	Q2 2026	—

Nonperforming assets	63M	Q2 2026	—
Unprotected deposits as percent of total deposits	24.6%	Q2 2026	—

Efficiency ratio	61.8%	Q4 FY2025	—
Gross loans and leases increase	129.3M	Q4 FY2025	—
Gross loans and leases increase year-over-year	88.2M	FY2025	—
Total deposits decrease	130.8M	Q4 FY2025	—
Total deposits increase year-over-year	328.1M	FY2025	—
Unprotected deposits	1.6B	Q4 FY2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
UVSP UNIVEST FINANCIAL Corp this stock	$1.15B	+27.1%	+9.6%	12.1	2.5%
MFG Mizuho Financial Group Inc	$124.83B	+40.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$121.52B	-35.4%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	+0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+19.4%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

223

% held: 82.5%
Net QoQ: +332.8K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

237

View

Short & Settlement

Short Interest Falling

Shares short

695.4K

Days to cover: 2.3d
Change: -49.5K sh

View

Short Volume

Short vol %

47%

As of: Aug 21, 2026

Short Total

View

Fails to Deliver

FTD shares

374

Value: $16.5K
As of: Jul 24, 2026

View

Off-Exchange

Off-exchange %

28.6%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$1.1M

Buyers / Sellers: 0 / 4

Buyers Sellers

View

Congressional Trades Sell

Member

Jefferson Shreve

Amount: $15.0K–$50.0K
Traded: May 12, 2025

View

Financials

Revenue (FY)

$328.1M

Net income (FY): $90.8M
EPS diluted: $3.13

View

Buybacks

Authorized

shares 2.0M

View

Filings

SEC Filings

Latest

10-Q

Filed: Jul 28, 2026
This year: 11

View

Proposed Sales

Value

$113.8K

Shares: 2.8K
Filed: Jun 8, 2026

View

Earnings & Events

Earnings Calls

Last call

Jul 23, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
UVSP	-3.6%	-5.6%	+22.1%	-5.9%	+27.1%
SPY	-1.4%	+3.6%	+11.6%	+2.5%	+12.3%
vs SPY	-2.2%	-9.3%	+10.6%	-8.4%	+14.8%

Capital returns

Latest dividend

$0.23 / share · ex Aug 5, 2026

Raised 4.5%

Paid (TTM)

$0.90 / share · 4 payouts

Dividend yield (TTM, derived)

2.16%

Buyback program · as of Dec 10, 2025

Authorized

shares 2.00M

Spent (derived)

—

Remaining

—

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 102212 CUSIP 915271100 13F (30d) 211 filings 189 filers Visit website Investor relations

UVSP · UNIVEST FINANCIAL Corp

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns