UVSP · UNIVEST FINANCIAL Corp
$43.16
+0.19 (+0.44%)
At close · Aug 14
Market Cap
$1.19B
Shares
27.58M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$43.16
Open$42.97
Day$42.94–43.39
52W close$28.30–45.21
Avg vol 30d252K
Short int695K · 2.5% float · 2.3d
Short vol64%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 28
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 28, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
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 adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.3 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+18%
above
Price vs 50-day avg
−0%
below
RSI (14)
47
neutral
MACD trend
Negative
52-week position
88%
near high
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+28%
trailing
YTD return
+32%
this year
Relative strength
+14%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $43 › 200d $37 — 50d above 200d
Institutional flow
Accumulating
+5% 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
220 holders — near 3-yr high, broad support
Squeeze score
42
elevated · 0–100
Fundamentals
Revenue growth
+10%
Y/Y
EPS growth
+21%
Y/Y
Valuation
P/E 12.5
below peers
Balance sheet
$174.5M
net debt
Quant / Vol
risk profile
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
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%
Provision for credit losses
· full year 2025
$11M – $13M
Noninterest income growth
· full year 2025
1% – 3%
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 Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+18%
Bullish
Price vs 50-day avg
−0%
Neutral
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
88%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $43 › 200d $37 — 50d above 200d
Institutional flow
Accumulating
+5% 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
220 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $28
Now $43 · 88%
Range high $45
vs 200-day avg +18%
vs 50-day avg 0%
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% | the quarter ended June 30, 2026 | — |
| Effective income tax rate | 19.6% | the quarter ended June 30, 2026 | — |
| Effective income tax rate excluding BOLI death benefit proceeds non-GAAP | 20.1% | the three months ended June 30, 2026 | — |
| Net interest margin (tax-equivalent basis) | 3.49% | the second quarter of 2026 | — |
| Net interest margin excluding excess liquidity (tax-equivalent basis) non-GAAP | 3.53% | the quarter ended June 30, 2026 | — |
|
|
|||
| Net loan and lease charge-offs | $1.9M | the three months ended June 30, 2026 | — |
| Noninterest-bearing deposits as a percentage of total deposits | 21.1% | the quarter ended June 30, 2026 | — |
|
|
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| Provision for credit losses | $2.7M | the three months ended June 30, 2026 | — |
| Shares available for repurchase under the Share Repurchase Plan | 1,494,260 | as of June 30, 2026 | — |
| Shares repurchased | 425,539 | the quarter ended June 30, 2026 | — |
| Unprotected deposits as a percentage of total deposits | 24.6% | the quarter ended June 30, 2026 | — |
|
|
|||
| Assets under management and supervision | 5.9B | Q4 FY2025 | — |
| Available committed borrowing capacity | 2.3B | Q4 FY2025 | — |
| Cash and cash equivalents | 553.7M | Q4 FY2025 | — |
| Committed borrowing capacity | 3.8B | Q4 FY2025 | — |
| 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 | — |
| Noninterest-bearing deposits | 1.4B | Q4 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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UVSP
this stock
UNIVEST FINANCIAL Corp
|
$1.19B | +31.8% | +9.6% | 12.5 | 2.5% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UVSP | +0.8% | -3.2% | +27.6% | -2.4% | +31.8% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +0.4% | -7.6% | +13.9% | -6.4% | +18.0% |
Capital returns
Latest dividend
$0.23
/ share · ex Aug 5, 2026
Paid (TTM)
$0.90
/ share · 4 payouts
Dividend yield (TTM, derived)
2.09%
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)
228 filings
206 filers
Visit website
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