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what it is
Univest is a Pennsylvania regional bank that takes deposits, makes loans, manages money, and sells insurance.
how it gets paid
FY2025 bank-style top line ≈ net interest income $240.2M + noninterest income $87.9M ≈ $328.1M—NII is ~73% of that combined total (Univest Q4 2025 tables).
why it's growing
FY2025 net income $90.8M vs $75.9M in 2024; diluted EPS $3.13 vs $2.58. The old “+192% revenue” line was bad data—this is the audited trajectory in the release tables.
what just happened
Q4 2025: net income $22.7M; diluted EPS $0.79 vs $0.65 in Q4 2024 (+21.5%). Q4 NII $62.5M (+12.8% YoY); noninterest income $22.0M (+3.2% YoY).
At a glance
B+ balance sheet — decent shape, but not bulletproof
60/100 earnings predictability — reasonably predictable
~10.7x trailing p/e (spot vs FY2025 diluted EPS $3.13) — check credit and NIM, not just the multiple
2.7% dividend yield — cash in your pocket every quarter
$2.58 fy2024 eps est
xvary composite: 64/100 — average
What they do
Univest is a Pennsylvania regional bank that takes deposits, makes loans, manages money, and sells insurance.
This is a local relationship machine, not a national brand machine. Univest operates a 50+ office Mid-Atlantic footprint (per its Q4 2025 release), which matters when your business loan, trust account, and insurance sit under one roof. Relationship depth—multiple services with one provider—can steady deposits and fees when spreads get noisy.
How they make money
$328M
annual revenue · their business grew +9.6% last year
Net interest income (FY2025)
$240.2M
+13.7%
Investment advisory fees (FY2025)
$22.8M
+7.5%
Insurance commission & fee income (FY2025)
$22.4M
flat
Service charges on deposits (FY2025)
$9.0M
+11.2%
All other noninterest (FY2025)
$33.6M
mixed
The products that matter
business loans and treasury services
Commercial banking
core bank earnings engine
This sits inside an ~$8.4B-asset bank (Dec 31, 2025) where FY2025 net interest income was ~$240M, so commercial lending volume and deposit costs still drive most of the story.
rate-sensitive
retail deposits and household lending
Consumer banking
funding base
You need this base because the company produced $328M in revenue last year and most of it depends on gathering deposits at costs that still leave room for a lending spread.
deposit franchise
trust and investment services
Wealth management
~$88M FY2025 noninterest income
FY2025 noninterest income was ~$87.9M (~27% of NII+noninterest), so fees matter as diversifiers—but NII is still the engine.
diversifier
Key numbers
~$8.4B
total assets
Dec 31, 2025 total assets ~$8.44B (consolidated selected financial data)—operationally mid-size regional, even if the equity cap screen looks “small.”
~10.7x
trailing p/e
Rough check: ~$33.50 ÷ ~$3.13 FY2025 diluted EPS ≈ ~10.7×. Banks rerate fast when credit or NIM shifts.
~$299M
borrowings + sub debt
Dec 31, 2025: FHLB long-term debt ~$200M + subordinated notes ~$99M (period-end balances)—funding structure matters when rates move.
2.7%
dividend yield
You are getting paid to wait, but the payout only matters if earnings stay stable.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 70 / 100
- long-term debt ~$299M FHLB + sub notes (see KPI)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for UVSP right now.
source: institutional data · return history unavailable
What just happened
q4 2025 reported
Q4 2025 net income $22.7M; diluted EPS $0.79 vs $0.65 in Q4 2024.
FY2025 diluted EPS $3.13 vs $2.58 in FY2024. Q4 NIM (tax-equivalent) was 3.10% vs 2.88% in Q4 2024—spread math still dominates the story.
$62.5M
q4 NII
$0.79
q4 diluted EPS
3.10%
q4 NIM (TE)
the number that mattered
EPS growth vs the prior-year quarter (+21.5%) on higher net interest income (+12.8%) is what you want to see—unless deposit betas or credit turn at once.
P0: Univest Q4 & FY2025 results (Jan 28, 2026) — Globe Newswire
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What could go wrong
The #1 risk is net interest income compression at a bank where ~73% of NII+noninterest comes from NII.
high
rate pressure on the core earnings engine
FY2025 net interest income was ~$240M—about three-quarters of the NII+noninterest total. If deposit costs stay sticky or asset yields soften, most of the income statement feels it at once.
This risk touches the majority of the $328M revenue base.
high
a merger catalyst that never closes
The current narrative leans on a merger or acquisition outcome showing up as a growth catalyst. If approvals fail or a deal never gets over the line, you are left owning a plain regional bank that still needs to earn its rerating the old-fashioned way.
The valuation case gets thinner if the catalyst disappears.
med
debt and refinancing are manageable until they are not
Period-end FHLB borrowings and subordinated notes are material (~$299M combined at Dec 31, 2025 per the release tables). None of that is fatal by itself—it does mean funding costs deserve attention alongside the headline P/E.
Higher funding costs pressure earnings and narrow the margin for error.
low
cheap can stay cheap
The stock trades at a 22% discount to peers. That looks attractive until you remember discounts exist for reasons. If growth slows, the market can keep UVSP in the penalty box longer than value investors would like.
Multiple expansion is a hope, not a right.
Between $257M of rate-sensitive revenue and $374M of debt equal to 29% of capital, small operating misses matter more here than the 11.2x P/E implies.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
does 21.5% EPS growth hold up
One strong quarter gets attention. Two start to change the narrative. If growth falls back below 10%, the peer discount probably stays.
mix
whether fee income keeps gaining share
Non-interest income is $71M, or 21.6% of revenue. If that share rises, the bank gets less tied to rate swings. If it stalls, the story stays narrow.
calendar
the Feb. 9, 2026 note exchange deadline
This is a real capital structure checkpoint. You want clarity because $50M of 6.00% notes is small next to the bank, but not irrelevant.
catalyst
any concrete merger update
A signed deal or approval progress would matter. So would silence. Right now the market is being asked to price a catalyst that is not fully on the page.
Analyst rankings
earnings predictability
60 / 100
In human-speak: analysts see a business that is reasonably readable, but not one where surprises are off the table.
risk rank
2
That places it among the safer stocks in the dataset. Safer does not mean immune — it means the balance sheet starts from a better place than most small caps.
source: institutional data
Institutional activity
institutional ownership data for UVSP is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$34
current price
n/a
target midpoint · n/a from current
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