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Upturn AI SWOT - About
UVSP 
Univest Corporation Pennsylvania (UVSP)
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Upturn Advisory Summary
04/01/2025: UVSP (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -35.04% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 833.22M USD | Price to earnings Ratio 11.14 | 1Y Target Price 31.67 |
Price to earnings Ratio 11.14 | 1Y Target Price 31.67 | ||
Volume (30-day avg) 115374 | Beta 0.9 | 52 Weeks Range 17.83 - 32.53 | Updated Date 04/1/2025 |
52 Weeks Range 17.83 - 32.53 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.96% | Basic EPS (TTM) 2.58 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.91% | Operating Margin (TTM) 33.2% |
Management Effectiveness
Return on Assets (TTM) 0.96% | Return on Equity (TTM) 8.8% |
Valuation
Trailing PE 11.14 | Forward PE - | Enterprise Value 921142080 | Price to Sales(TTM) 2.84 |
Enterprise Value 921142080 | Price to Sales(TTM) 2.84 | ||
Enterprise Value to Revenue 4.11 | Enterprise Value to EBITDA - | Shares Outstanding 29001700 | Shares Floating 28061729 |
Shares Outstanding 29001700 | Shares Floating 28061729 | ||
Percent Insiders 1.41 | Percent Institutions 79.97 |
Analyst Ratings
Rating 3 | Target Price 31.67 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Univest Corporation Pennsylvania
Company Overview
History and Background
Univest Corporation Pennsylvania was founded in 1876 as the Union National Bank of Souderton. It has grown through acquisitions and organic expansion, evolving into a diversified financial services organization.
Core Business Areas
- Banking: Provides commercial and retail banking services, including loans, deposits, and treasury management.
- Insurance: Offers property and casualty insurance, as well as employee benefits solutions.
- Wealth Management: Provides investment management, financial planning, and trust services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various business units, each headed by a senior manager.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses of various sizes. Market share in the Pennsylvania region is estimated to be around 2-3%. Competitors include PNC, Fulton Financial, and Customers Bancorp.
- Wealth Management Services: Provides investment advice and portfolio management to individuals and families. Market share is relatively small compared to larger national firms. Competitors include Vanguard, Fidelity, and local independent advisors.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions. Insurance and wealth management are also competitive, with increasing demand for personalized services.
Positioning
Univest is a regional bank focused on providing relationship-based banking and financial services. Its competitive advantages include strong local presence and customer service.
Total Addressable Market (TAM)
The TAM for regional banking in Pennsylvania is estimated to be in the billions of dollars. Univest's position is relatively small, with potential for growth through strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking
- Diversified financial services
- Experienced management team
Weaknesses
- Smaller size compared to national banks
- Limited geographic reach
- Dependence on regional economy
- Lower brand recognition outside of Pennsylvania
Opportunities
- Expanding into new markets
- Acquiring smaller banks
- Increasing digital banking capabilities
- Growing wealth management business
Threats
- Economic downturn
- Increased competition from larger banks
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Fulton Financial (FULT)
- Customers Bancorp (CUBI)
Competitive Landscape
Univest competes with larger national banks and smaller regional banks. Its advantages include strong local relationships and customer service. Disadvantages include limited geographic reach and brand recognition.
Major Acquisitions
Pennmark Management Company, Inc.
- Year: 2018
- Acquisition Price (USD millions): 10.8
- Strategic Rationale: The acquisition of Pennmark expands Univest's property management service offerings to clients throughout the region and enables Univest to further enhance its diversified financial services platform.
Growth Trajectory and Initiatives
Historical Growth: Univest has grown steadily through a combination of organic growth and acquisitions.
Future Projections: Analysts project modest revenue and earnings growth in the coming years, driven by expansion into new markets and increased digital banking capabilities.
Recent Initiatives: Recent initiatives include investments in technology and expansion of wealth management services.
Summary
Univest Corporation Pennsylvania is a regional bank with a strong local presence, offering diversified financial services. Its stable financial performance and history of dividend payments make it a reliable investment. However, its smaller size and limited geographic reach are challenges, and it needs to capitalize on opportunities to grow its digital banking and wealth management businesses in order to increase revenue.
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Sources and Disclaimers
Data Sources:
- Company financial statements
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on available information and is not financial advice. Investment decisions should be made based on individual circumstances and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Univest Corporation Pennsylvania
Exchange NASDAQ | Headquaters Souderton, PA, United States | ||
IPO Launch date 1989-11-03 | Chairman, President & CEO Mr. Jeffrey M. Schweitzer CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 892 | Website https://www.univest.net |
Full time employees 892 | Website https://www.univest.net | ||
Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing. The Wealth Management segment provides investment advisory, financial planning and trust, and brokerage services for private families and individuals, municipal pension plans, retirement plans, trusts, and guardianships. The Insurance segment offers full-service insurance brokerage agency comprising commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting services. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.
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