Univest Financial Corp. (UVSP)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$41.49+0.61%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · UVSP
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -1.4% |
| Our one-year growth estimate | diamond | 6.0% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
UVSP — earnings miss
Dated 2026-10-29
Results of Operations and Financial Condition On October 28, 2026, Univest Financial Corporation (the “Corporation”), parent company of Univest Bank and Trust Co. (the "Bank"), issued a press release reporting 2026 third quarter earnings. A copy of this press release is attached to this Current Report on Form 8-K as Exhibit 99.1.
Why it matters: Loans fell in Q3 after growing from year-end. Renewed growth would support the plan to build ties with full-relationship customers.
Watch forGross loans and leases rise from Q3, with growth in commercial or construction loans.
Also watch forGross loans and leases fall again from Q3, without a stated payoff or charge-off explaining most of the drop.
Why it matters: Q3 charge-offs rose to $17.6 million, mostly from one large loan. A sharp drop would show that loss costs eased.
Worry ifQ4 net loan and lease charge-offs exceed $2 million, or the $28.3 million loan still has unpaid balances without a sale.
Less concerning ifQ4 net charge-offs fall below $2 million, and the remaining balance of the $28.3 million loan is paid through a sale.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$68 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $181 loss on $10,000 · 1.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,301 loss on $10,000 · 13.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.