4 models fit Univest Financial Corporation Common Stock and they disagree: 0 of 4 land within 15% of the average.
Two or more of our models back this value.
Premium(i)Silver75
Valued as a bank: Residual income, P/E comparison, Dividend discount, and Graham number.
ACCE opinionUnivest Financial Corporation Common Stock (UVSP)
Fair value (4 models)
$35.56
ACCE price target
$43.00
Rating
Overvalued
Horizon
12 months
Fair value published on 18 Oct 2026, 17:04 CEST; previously $35.08 since 10 Oct 2026, 00:00 CEST.
ACCE price target published on 12 Oct 2026, 00:00 CEST.
Rating published on 18 Oct 2026, 17:04 CEST.
Price used: $42.14 at the close on 23 Oct 2026, 22:00 CEST.
Models: P/E comparison, Graham number, Dividend discount, and Residual income.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
Price vs fair value
18.5% above
-15.6% to fair value
ACCE score
75
out of 100
Analysts
0% buy
3 covering
P/E
12.2x
forward 10.6x
1-year return
+41.9%
Dividend yield
2.18%
Univest Financial Corporation Common Stock in four questions
Plain answers, details below
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Overview
ACCE thesis
Univest is a Pennsylvania regional bank holding company whose core business is commercial and consumer lending plus deposit gathering across its community banking branches, with wealth management and insurance (retirement plan) businesses layered on top. Its edge is a local, relationship-driven franchise in suburban Philadelphia, which tends to hold deposits better than rate-sensitive competitors and gives it pricing discipline on commercial loans. Revenue growth of 8.4% is running ahead of what most regional peers are delivering, and the 36.3% operating margin says the core spread and fee businesses are converting well. The stock trades at 11.7 times trailing earnings and 13.0 times forward, a modest multiple for a bank growing top line at that pace, though its 10.5% ROE is only middling and leaves the case dependent on earnings delivery. It earns a 76 on our score and sits outside major indices, so it is worth a closer look on the loan growth, net interest margin and credit trends in the latest filings before any conclusion.
⚠ Investor warnings · 3 flagsAI-assisted·How I use AI
moderate
Score drifting lower
ACCE Score slipped from 78 to 76 over 90 days. Growth (68) is the weakest pillar, while Quality (81) and Momentum (84) hold up, so the drift is modest but worth tracking.
moderate
Insider selling, no buys
Insiders sold $1.60M across the last 10 disclosed transactions and bought nothing. Insider ownership is only 1.6%, so the signal is light but one-directional.
moderate
Price above model fair value
The stock trades 18.5% above the model fair value of $35.56, while sitting 2.0% below the ACCE price target of $43.00. The two valuation views point in different directions.
AI research notes
AI-assisted·How I use AIWritten Oct 17, 2026 · figures from 2026-06-30 · prices to Oct 23, 2026
Why it could do well
Free cash flow over the last twelve months reached $97M, and the stock yields 8.6% on that cash flow.
Revenue grew 8.4% year over year, and the company keeps a net margin of 29.8%.
The share count fell 2.3% in the last fiscal year, so each remaining share claims a larger slice of profit.
Why it could disappoint
Shares trade 18.5% above the model fair value of $35.56, and all four valuation models sit below the price.
Return on equity is only 10.5%, and none of the three analysts covering the stock rates it Buy or Strong Buy.
The latest quarter missed expectations, with earnings per share of 0.82 against 0.86 expected, a 4.7% shortfall.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Next results
Oct 28, 2026
We update the fair value about 2 days after the results, once the new figures are filed.Add to calendarGoogle
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Valuation
INVESTOR
Where UVSP's valuation models land
Price
$42.14
Model fair value
$35.56
Model range
$20.27 to $49.42
Fair value $35.56
Price $42.14
The price sits inside the model range.
Model
Fair value
Upside
Dividend discount
Graham number
P/E comparison
Residual income
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Quality
INVESTOR
Quality and conviction INVESTOR FEATURE
The full quality picture: a reason under every score, how the scores moved, and the conviction breakdown.
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+Conviction breakdown and growth / value / quality / momentum scores