Univest Financial
Provides community banking, wealth management and insurance across Mid-Atlantic markets.
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Profile
Runs a regional financial-services model anchored in banking, with wealth management and insurance adding fee-oriented lines. The franchise is concentrated in Pennsylvania-led Mid-Atlantic markets and depends on community relationships, deposit funding, credit quality and bank regulation.
Operates a regional financial-services franchise built around Banking, Wealth Management and Insurance. Banking covers deposits, lending, mortgage banking, treasury management and equipment lease financing for individuals, businesses, municipalities and nonprofit organizations.
Serves primarily Mid-Atlantic markets from a Pennsylvania base, with acquisitions and branch optimization shaping a broader but still regional footprint. Wealth services run through the Girard units, while Univest Insurance adds brokerage lines for commercial, benefits, personal and human-resources needs.
The model works through local relationships, cross-selling across banking and fee businesses, and disciplined operations across branch, digital and phone channels. Earnings remain tied to deposit funding, loan demand, credit performance, interest-rate conditions and bank regulatory requirements.
Company facts
Categories
Key statistics
Year to date +28.7% · Average volume (30d) 240.8K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior target | Target |
|---|---|---|---|---|
| Dec 3, 2025 | Piper Sandler | Target | $24 | $34 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $0.87 | $0.82 | −5.7% | $86.7M | $84.4M | −2.7% | +0.89% |
| Apr 22, 2026Q1 FY26 | $0.84 | $0.96 | +14.3% | $84.3M | $87.5M | +3.7% | +2.12% |
| Jan 28, 2026Q4 FY25 | $0.78 | $0.79 | +1.3% | $82.5M | $84.6M | +2.5% | −2.09% |
| Oct 22, 2025Q3 FY25 | $0.71 | $0.89 | +25.4% | $81.7M | $83.2M | +1.9% | −0.50% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $125.8M | $127.2M | $131.6M | $133.7M | $129.6M | $126.2M | |
| Gross profit | $76.9M | $75.3M | $82.7M | $81.4M | $85.3M | $81.7M | |
| Operating income | $27.6M | $25.0M | $32.1M | $28.7M | $33.5M | $28.6M | |
| Net income | $22.4M | $20.0M | $25.6M | $22.7M | $27.1M | $23.0M | |
| Diluted EPS | $0.77 | $0.69 | $0.89 | $0.80 | $0.96 | $0.82 | |
| Gross margin | 61.1% | 59.2% | 62.9% | 60.9% | 65.8% | 64.7% | |
| Operating margin | 21.9% | 19.7% | 24.4% | 21.5% | 25.8% | 22.6% |
Fiscal years (4-quarter sums)FY21 $293.0M · FY22 $330.1M · FY23 $448.6M · FY24 $500.4M · FY25 $518.3M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $79.5M · Total debt $269.7M · Total assets $8.20B · Shareholders' equity $954.3M
Dividends
Raised for 24 straight years — most recently to $0.23 from $0.22 in May 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 5, 2026 | Aug 5 | Aug 19 | $0.23 | |
| May 6, 2026 | May 6 | May 20 | $0.23 | raised from $0.22 |
| Feb 11, 2026 | Feb 11 | Feb 25 | $0.22 | |
| Nov 5, 2025 | Nov 5 | Nov 19 | $0.22 | |
| Aug 6, 2025 | Aug 6 | Aug 20 | $0.22 | |
| May 7, 2025 | May 7 | May 21 | $0.22 | raised from $0.21 |
| Feb 5, 2025 | Feb 5 | Feb 19 | $0.21 | |
| Nov 6, 2024 | Nov 6 | Nov 20 | $0.21 |
Ownership
Shares outstanding 27.58M · Float 27.13M · 98.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 3.42M | 12.39% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 1.90M | 6.88% | 13F | Aug 11, 2026 |
| FMR LLC | 1.57M | 5.69% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 1.19M | 4.31% | 13F | Aug 13, 2026 |
| State Street Corp | 992.0K | 3.60% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 24, 2026 | Thomas M. Petro | director | −5,000 | $41.69 |
| Aug 13, 2026 | Michael L. Turner | director | −8,000 | $43.04 |
| Jun 8, 2026 | Jeffrey M. Schweitzer | director, officer: Chairman, President & CEO | −13,933 | $40.91 |
| Jun 8, 2026 | Brian J. Richardson | officer: Sr EVP & CFO | −2,090 | $40.90 |
| Jun 8, 2026 | Megan D. Santana | officer, other: Sr EVP & Chief Risk Officer | −2,787 | $40.83 |
Peers
- Fulton Financial
Five-state Mid-Atlantic bank with wealth overlap
- WSFS Bank
Greater Philadelphia bank and wealth franchise
- Peapack-Gladstone Financial
New Jersey private bank with wealth-management depth
- OceanFirst
New Jersey regional community bank with trust services
- First Commonwealth Financial
Pennsylvania bank with wealth, insurance, and equipment finance
- S&T Bancorp
Pennsylvania community bank with trust and brokerage overlap
- ACNB
South-central Pennsylvania bank with insurance services
- Tompkins Financial
NY and southeastern Pennsylvania bank with wealth services
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Univest Financial | $41.57 | +0.10% | $1.15B | 12.0 | 10.7 | 2.2 | +4.1% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| WSFS Bank | $78.30 | +0.03% | $4.08B | 13.1 | 11.9 | 3.0 | +5.6% |
| Peapack-Gladstone Financial | $45.11 | −0.09% | $799.3M | 15.7 | 10.9 | 1.7 | +25.4% |
| OceanFirst | $18.88 | −0.11% | $1.14B | 22.3 | 9.3 | 1.6 | +36.3% |
| First Commonwealth Financial | $20.85 | +0.05% | $2.12B | 12.8 | 11.2 | 3.4 | +6.5% |
| S&T Bancorp | $49.79 | −0.02% | $1.76B | 13.3 | 12.6 | 3.1 | +5.2% |
| ACNB | $64.51 | −0.25% | $658.8M | 12.2 | 11.4 | 3.3 | −14.8% |
| Tompkins Financial | $97.80 | −0.07% | $1.41B | 8.0 | 12.2 | 2.9 | +5.4% |
| Median | 13.0 | 11.3 | 2.9 | +6.1% |