Univest Financial

UVSP · NASDAQ

$41.83+$0.81 (+1.97%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $41.02

UVSP analyst rating

HoldConsensus of 3 analysts over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold3
Underperform0
Sell0

12-month price target · 5 analysts

Average $46.41 (+10.9% upside)

Low: $43.94
Now: $41.83
High: $49.35

Upgrades and downgrades

The latest rating actions, newest first

UVSP analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Keefe, Bruyette & Woods	Jul 24, 2026	Maintains	Market Perform	$45.00 → $47.00	33%
Keefe, Bruyette & Woods	Apr 24, 2026	Maintains	Market Perform	$37.00 → $40.00	33%
Keefe, Bruyette & Woods	Feb 3, 2026	Maintains	Market Perform	$34.00 → $36.00	68%
Piper Sandler	Dec 3, 2025	Initiates	Neutral	$34.00	46%
Keefe, Bruyette & Woods	Oct 24, 2025	Maintains	Market Perform	$33.00 → $34.00	68%

The case for and against

Updated Apr 17, 2025

Bull case

Univest Financial Corp demonstrated positive financial performance with a sequential increase in loan balances of 0.7%, largely propelled by growth in commercial real estate loans and residential segments. The bank experienced a robust 5.5% increase in total deposits, driven by seasonal municipal inflows, which enhances its liquidity position. Additionally, the increase in tangible book value per share (TBVPS) by 3.8% to $24.05, coupled with solid loan growth guidance for FY2024 of approximately 4%, indicates a strong outlook for the company's financial stability and growth trajectory.

Bear case

Univest Financial Corp's net interest margin (NIM) has experienced a slight decline of 2 basis points to 2.82%, diverging from expectations for a slight expansion, which raises concerns about the bank's profitability amid changing interest rates. The company's loan growth has slowed significantly, attributed to reduced line usage and high payoffs, while operating fees have also decreased by 3.2% sequentially, suggesting ongoing challenges in revenue generation. Furthermore, risks related to lower bank stock valuations, potential acquisition hurdles, and an unfavorable macroeconomic environment could adversely impact Univest's ability to manage costs and maintain earnings, contributing to a negative outlook.

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