Univest Financial Corp. (UVSP)

NASDAQFinancialsBanks - RegionalSnapshot 2026-10-23

$42.14-0.33%

Close 2026-10-23 · 1-day change

Investment OutlookAs of Oct 24, 2026

What could strengthen or challenge Univest Financial Corp.’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

Comparable estimates unavailable

+10% or more+5%0%−5%−10% or less

A matching fiscal period and sufficient coverage are required.

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

The calculation requires same-period, same-provider snapshots, positive EPS, at least five analysts and a baseline within three days of the requested lookback.

Measure / period	Management expectations	Analyst expectations
Quarter ending 2026-12-30
Revenue	—	90.75M
EPS	—	0.96
Annual ending 2026-12-31
Revenue	—	354.86M
EPS	—	3.81
Annual ending 2027-12-31
Revenue	—	370.28M
EPS	—	3.96

Management figures unavailable.

What the Thesis Depends On

4 published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
Maintain dividend per share at $0.22	The company maintains a stable dividend of $0.22 per share.	Broken	dividend per share falls below $0.22	Dividend per share: $0.23 per share FY2026-Q2; GAAP. Published target: >=0.22 USD per share. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Jul 28, 20260.23 USD/share · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: c186087f-e3c6-4579-a401-14ac19db2ecc. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated as a priority in 2 of last 2 quarters. Dividend per share was $0.22 in 2026-Q1 and increased to $0.23 in 2026-Q2. Management is delivering on maintaining or increasing dividends as committed. Delivery assessment Oct 24, 2026
EPS at least $3.63 in FY 2026	A primary condition in Univest Financial Corp.'s published investment case. The stated target is >=3.63 USD per share.	Broken	EPS falls below $3.63 in FY 2026	Diluted EPS: $0.82 per share FY2026-Q2; GAAP. Published target: >=3.63 USD per share. Target period ends 2026-12-31; this observation covers 2026-Q2. Source published Jul 28, 20260.82 USD/share · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: c186087f-e3c6-4579-a401-14ac19db2ecc. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Net income growth to at least $27 million in 2026-Q1	Univest Financial keeps growing net income, reaching $27.1 million in 2026-Q1.	Broken	net income falls below $27 million in any quarter	Net income: $22.953M FY2026-Q2; GAAP. Published target: >=27 million USD. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Jul 28, 202622,953,000 USD · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: c186087f-e3c6-4579-a401-14ac19db2ecc. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated as a priority in 2 of last 2 quarters. Net income was $27.1 million in 2026-Q1 and $23.0 million in 2026-Q2. The trajectory shows a slight decline quarter-over-quarter but remains within a strong earnings range, consistent with management's focus on net income growth. Delivery assessment Oct 24, 2026
Improve cash from operating activities above $22 million	A supporting condition in Univest Financial Corp.'s published investment case. The stated target is >=22 million USD.	Intact	cash from operating activities falls below $22 million	Cash from operations: $23.965M FY2026-Q2; GAAP. Published target: >=22 million USD. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Jul 28, 202623,965,000 USD · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: stock_quarterly_financials_fmp. Reference: 2026-Q2. Source status: unverified. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated as a priority in 2 of last 2 quarters. Cash from operating activities increased from $22.1 million in 2026-Q1 to $23.9 million in 2026-Q2. This shows delivering progress consistent with management's stated focus on enhancing operating cash flow. Delivery assessment Oct 24, 2026

Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPS: comparable history unavailable.

FY2027 revenue: comparable history unavailable.

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	Unavailable	Unavailable	3 / 3
2026-07-25	Unavailable	Unavailable	3 / 3
2026-07-26	Unavailable	Unavailable	2 / 2
2026-07-27	Unavailable	Unavailable	3 / 3
2026-07-28	Unavailable	Unavailable	3 / 3
2026-07-29	Unavailable	Unavailable	2 / 2
2026-07-30	Unavailable	Unavailable	3 / 3
2026-07-31	Unavailable	Unavailable	3 / 3
2026-08-01	Unavailable	Unavailable	2 / 2
2026-08-02	Unavailable	Unavailable	2 / 2
2026-08-03	Unavailable	Unavailable	3 / 3
2026-08-04	Unavailable	Unavailable	2 / 2
2026-08-05	Unavailable	Unavailable	3 / 3
2026-08-06	Unavailable	Unavailable	3 / 3
2026-08-08	Unavailable	Unavailable	2 / 2
2026-08-09	Unavailable	Unavailable	3 / 3
2026-08-10	Unavailable	Unavailable	2 / 2
2026-08-12	Unavailable	Unavailable	3 / 3
2026-08-13	Unavailable	Unavailable	2 / 2
2026-08-14	Unavailable	Unavailable	2 / 2
2026-08-15	Unavailable	Unavailable	2 / 2
2026-08-16	Unavailable	Unavailable	2 / 2
2026-08-17	Unavailable	Unavailable	2 / 2
2026-08-18	Unavailable	Unavailable	2 / 2
2026-08-19	Unavailable	Unavailable	2 / 2
2026-08-20	Unavailable	Unavailable	2 / 2
2026-08-21	Unavailable	Unavailable	2 / 2
2026-08-22	Unavailable	Unavailable	2 / 2
2026-08-23	Unavailable	Unavailable	2 / 2
2026-08-24	Unavailable	Unavailable	2 / 2
2026-08-25	Unavailable	Unavailable	2 / 2
2026-08-26	Unavailable	Unavailable	2 / 2
2026-08-27	Unavailable	Unavailable	2 / 2
2026-08-28	Unavailable	Unavailable	2 / 2
2026-08-29	Unavailable	Unavailable	2 / 2
2026-08-30	Unavailable	Unavailable	2 / 2
2026-08-31	Unavailable	Unavailable	2 / 2
2026-09-01	Unavailable	Unavailable	2 / 2
2026-09-02	Unavailable	Unavailable	2 / 2
2026-09-03	Unavailable	Unavailable	2 / 2
2026-09-04	Unavailable	Unavailable	2 / 2
2026-09-05	Unavailable	Unavailable	2 / 2
2026-09-06	Unavailable	Unavailable	2 / 2
2026-09-07	Unavailable	Unavailable	2 / 2
2026-09-08	Unavailable	Unavailable	2 / 2
2026-09-09	Unavailable	Unavailable	2 / 2
2026-09-10	Unavailable	Unavailable	2 / 2
2026-09-11	Unavailable	Unavailable	2 / 2
2026-09-12	Unavailable	Unavailable	2 / 2
2026-09-13	Unavailable	Unavailable	2 / 2
2026-09-14	Unavailable	Unavailable	2 / 2
2026-09-15	Unavailable	Unavailable	2 / 2
2026-09-16	Unavailable	Unavailable	2 / 2
2026-09-17	Unavailable	Unavailable	2 / 2
2026-09-18	Unavailable	Unavailable	2 / 2
2026-09-19	Unavailable	Unavailable	2 / 2
2026-09-20	Unavailable	Unavailable	2 / 2
2026-09-21	Unavailable	Unavailable	2 / 2
2026-09-22	Unavailable	Unavailable	2 / 2
2026-09-23	Unavailable	Unavailable	2 / 2
2026-09-24	Unavailable	Unavailable	2 / 2
2026-09-25	Unavailable	Unavailable	2 / 2
2026-09-26	Unavailable	Unavailable	2 / 2
2026-09-27	Unavailable	Unavailable	2 / 2
2026-09-28	Unavailable	Unavailable	2 / 2
2026-09-29	Unavailable	Unavailable	2 / 2
2026-09-30	Unavailable	Unavailable	2 / 2
2026-10-01	Unavailable	Unavailable	2 / 2
2026-10-02	Unavailable	Unavailable	2 / 2
2026-10-03	Unavailable	Unavailable	2 / 2
2026-10-04	Unavailable	Unavailable	2 / 2
2026-10-05	Unavailable	Unavailable	2 / 2
2026-10-06	Unavailable	Unavailable	2 / 2
2026-10-07	Unavailable	Unavailable	2 / 2
2026-10-08	Unavailable	Unavailable	2 / 2
2026-10-09	Unavailable	Unavailable	2 / 2
2026-10-10	Unavailable	Unavailable	2 / 2
2026-10-11	Unavailable	Unavailable	2 / 2
2026-10-12	Unavailable	Unavailable	2 / 2
2026-10-13	Unavailable	Unavailable	2 / 2
2026-10-14	Unavailable	Unavailable	2 / 2
2026-10-15	Unavailable	Unavailable	2 / 2
2026-10-16	Unavailable	Unavailable	2 / 2
2026-10-17	Unavailable	Unavailable	2 / 2
2026-10-18	Unavailable	Unavailable	2 / 2
2026-10-19	Unavailable	Unavailable	2 / 2
2026-10-20	Unavailable	Unavailable	2 / 2
2026-10-21	Unavailable	Unavailable	2 / 2
2026-10-22	Unavailable	Unavailable	2 / 2
2026-10-23	Unavailable	Unavailable	2 / 2
2026-10-24	Unavailable	Unavailable	2 / 2

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Buy / Strong BuyHoldSell / Strong Sell

Exact monthly counts

Monthly rating snapshots · fmp. Missing snapshots are not zero.
Date	Buy*	Hold	Sell*
2026-05-01	0	3	0
2026-06-01	0	3	0
2026-07-01	0	3	0
2026-08-01	0	3	0
2026-09-01	0	3	0
2026-10-01	0	3	0

*Buy includes Strong Buy; Sell includes Strong Sell. Monthly counts describe the analyst mix, not the firms behind each recent action.

Latest: 0 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell

0 upgrades0 downgrades0 maintains

Recent actions · Sep 25–Oct 24 · 0 recorded

Price-target changes

30 days

Individual price-target observations are unavailable.

0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior

How this is measured

Sep 25, 2026–Oct 24, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

Maintain dividend per share at $0.22Published status: Broken
EPS at least $3.63 in FY 2026Published status: Broken
Net income growth to at least $27 million in 2026-Q1Published status: Broken
Improve cash from operating activities above $22 millionCash from operations: $23.965M

Next proof point

Oct 28, 2026

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

0.7%Typical daily move · historical

Downside history

-10.7%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

Univest Financial Corp. outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 24, 2026

What kind of bet this is

UVSP is a regional banking business with a steady but not clearly accelerating earnings profile. Its long-term thesis is intact, though confidence has eased from high to medium after a recent earnings miss.

What's priced into Univest Financial Corp.

Valuation is roughly in line with peers, and the evidence describes expectations as justified rather than fragile. The expectations gap is slightly negative, so current assumptions do not leave much room for execution to fall short.

What the fundamentals likely do

Near term, net income dipped from the first to the second quarter, while operating cash flow increased and the dividend per share rose. Management is progressing on cash flow and dividends, but earnings growth is mixed, and the financial sector remains a headwind.

What Univest Financial Corp. hinges on

A guidance cut on the next call would weaken the thesis, as would rate cuts from the current level, which the evidence says could weigh on financial stocks. Continued strong earnings and higher guidance from sector bellwethers could support sector momentum, though the evidence gives limited detail on UVSP-specific growth drivers.