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Stock Ratings / Financials / UVSP / dividends
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Univest Financial Corporation (UVSP) Dividend Safety Gauge & 10-Year DRIP Compounder

$41.29 +4.26% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $41.53

Univest Financial Corporation (UVSP) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $1.09B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UVSP Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UVSP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Univest Financial Corporation (NASDAQ: UVSP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $41.29 (+4.26% 1D, market cap $1.09B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, UVSP ranks #277 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UVSP compare to FSBC and NBN in the Financials sector?
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Within the Financials sector (Major Banks), UVSP carries a Roarable C (64/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 9.6%. By comparison, FSBC (Five Star Bancorp) holds a C+ grade (69/100 RQD, P/E 18.2x, ROIC 13.8%, cap $1.10B) and NBN (Northeast Bank) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $1.12B). Among the 5-stock peer group, UVSP leads on earnings multiple (12.0x) while FSBC leads on capital efficiency (13.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UVSP?
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Per UVSP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000102212), Univest Financial Corporation generated $328.1M in revenue (+9.6% YoY), $90.8M in net income, and $101.5M in free cash flow against $8.44B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $41.53 (+0.58%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 30.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510064
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C
Cash (15)Whales (7)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$50 Bull$42 Base$33 Bear
📬 FREE UVSP RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UVSP)Realized 20D OHLCV Swing Band: ±4.5%
Deterministic 5-Pillar Attribution (64/100 Composite)
🔍 WHY UVSP SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 30.9% FCF Margin ($101.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
56
Grade C$40.55+3.2% Next Q
Q2 (-2Q)
59
Grade C$41.83+1.4% Next Q
Q3 (-1Q)
61
Grade C$42.40-2.6% Next Q
Current
64
Grade C$41.29+1.1% Hist 90D α
Trajectory: C (56) → C (64)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UVSP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, UVSP faces multiple-compression risk if 12.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($41.56) or 200D SMA ($39.33) invalidates the momentum regime and cuts Target Base ($42.40) toward Bear Floor ($33.07).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UVSP• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “UVSP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
4.14% Total Yield
2.34% Cash ($0.97/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 • FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
16.3% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $24,557

Est. Year-10 Shareholder Yield: $1,017/yr
$10.9K
Yr 1
$12.0K
Yr 2
$13.1K
Yr 3
$14.3K
Yr 4
$15.7K
Yr 5
$17.1K
Yr 6
$18.8K
Yr 7
$20.5K
Yr 8
$22.4K
Yr 9
$24.6K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in UVSP & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on UVSP and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
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UVSP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.20%▼ DESCENDING CHANNEL
2026-11-03O $39.33H $41.29L $39.33C $41.29VOL 349.3K
RES: $42.52SUP: $38.87SMA50: $41.56SMA200: $39.33
$46.37$42.61$38.86$35.10$31.34RES $42.52SUP $38.87$41.292026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UVSP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UVSP Butterfly Map → + Track UVSP →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
2.5%/yr Implied 5Y Growth

vs. +9.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on UVSP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UVSP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for UVSP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UVSP)

Financials Rank #277 of 1097 ⚔️ FSBC vs UVSP Full Matrix →

1. Head-to-Head Financials Peer Comparison (UVSP vs. FSBC, NBN, HBNC, CCNE)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Univest Financial Corporation (UVSP) ranks #277 by composite RQD confidence (64/100, grade C) and #532 by equity capitalization ($1.09B). Within this direct 5-issuer industry benchmark cohort, UVSP leads on earnings valuation at 12.0x trailing P/E, while FSBC leads on capital efficiency and profitability with 13.8% ROIC and — gross margin. FSBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with UVSP at 64/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
UVSP ACTIVE
Univest Financial Corporation
C 64/100 12.0x — 9.6% +4.26% $1.09B Benchmark Subject
FSBC
Five Star Bancorp
C+ 69/100 18.2x — 13.8% +1.48% $1.10B /fsbc-vs-uvsp →
NBN
Northeast Bank
D 51/100 — — — +4.96% $1.12B /nbn-vs-uvsp →
HBNC
Horizon Bancorp Inc.
D+ 57/100 — — -21.9% +2.46% $1.06B /hbnc-vs-uvsp →
CCNE
CNB Financial Corporation
C 65/100 16.0x — 7.6% +3.10% $1.05B /ccne-vs-uvsp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000102212 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Univest Financial Corporation (UVSP) reported GAAP revenue of $328.1M (+9.6% vs. FY2024 revenue of $299.2M , and +10.5% cumulative change since FY2023) , GAAP net income of $90.8M, operating cash flow of $101.5M, and free cash flow of $101.5M (+35.2% YoY). On the balance sheet, UVSP closed FY2025 with $8.44B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $328.1M $90.8M $101.5M $101.5M $8.44B —
FY2024 (FY) 2024-12-31 $299.2M $75.9M $75.1M $75.1M $8.13B —
FY2023 (FY) 2023-12-31 $296.8M $71.1M $89.7M $89.7M — —

3. UVSP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UVSP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Univest Financial Corporation (NASDAQ: UVSP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $41.29 (+4.26% 1D, market cap $1.09B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, UVSP ranks #277 in composite RQD confidence.

How does UVSP compare to FSBC and NBN in the Financials sector?

Within the Financials sector (Major Banks), UVSP carries a Roarable C (64/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 9.6%. By comparison, FSBC (Five Star Bancorp) holds a C+ grade (69/100 RQD, P/E 18.2x, ROIC 13.8%, cap $1.10B) and NBN (Northeast Bank) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $1.12B). Among the 5-stock peer group, UVSP leads on earnings multiple (12.0x) while FSBC leads on capital efficiency (13.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UVSP?

Per UVSP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000102212), Univest Financial Corporation generated $328.1M in revenue (+9.6% YoY), $90.8M in net income, and $101.5M in free cash flow against $8.44B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UVSP trading relative to its 50-day, 200-day, and 52-week technical levels?

UVSP last traded at $41.29 (+4.26% on volume of 297,811 shares), positioning the stock -0.65% below its 50-day simple moving average ($41.56) and +4.98% above its 200-day simple moving average ($39.33). Across its 52-week range of $28.20 to $45.46, UVSP sits at the 75.8% percentile with a 14-day RSI of 36.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($39.43 to $43.15).

Direct Sub-Reports: UVSP RQD Cockpit UVSP 12M Forecast UVSP Earnings & Move UVSP Dividends & DRIP UVSP Insiders & 13F UVSP Whale Options UVSP Profit Sankey UVSP News & Why
ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ SEC XBRL & RQD VERIFIED

UVSP — Univest Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Univest Financial Corporation (UVSP) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $41.29 (+4.26% 1D, market capitalization $1.09B).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 9.6%, gross margin of —, operating margin of —, and free cash flow yield of 9.36%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Univest Financial Corporation (UVSP) is listed on NASDAQ and classified under the Financials sector and Major Banks industry. The profile describes it as a Financials issuer with a market capitalization of $1.1B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Univest Financial Corporation (UVSP) reported $328.1M in annual revenue (up from $299.2M in FY2024, +9.6% YoY) and $90.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($296.8M revenue, $71.1M net income) through FY2025, UVSP scaled operating cash flow to $101.5M and free cash flow to $101.5M, backed by $8.44B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 64/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $28.20 – $45.46 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), UVSP carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can UVSP sustain or expand its — operating margin and 9.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $328.1M and free cash flow of $101.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is UVSP's 11.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

UVSP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Univest Financial Corporation (UVSP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to UVSP Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UVSP Bull vs. Bear Conversation Board — What's Your Call at $41.29?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UVSP 🐻 33% BEARISH CONVICTION
1. Pick Your Side on UVSP:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $51.08 (+29.0%)
📌 Pinned Debate

Per the RQD rating, a 9.36% FCF yield and 9.6% ROIC sit alongside a P/E of 12 and forward P/E of 11.2, indicating valuation and cash ge

The street is overcomplicating Univest Financial Corporation (UVSP). Per the RQD rating, a 9.36% FCF yield and 9.6% ROIC sit alongside a P/E of 12 and forward P/E of 11.2, indicating valuation and cash generation are favorable.. With an RQD score of 64/100 (C) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $42.77.

VolSurface_Trader 🐂 BULL

@SkepticalCFA Shorting a 7/20 institutional whale-flow stock at $39.60 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $31.28 (-21.0%)
Spot @ $39.60

Per the RQD rating, the Whale 13F Flow pillar scores only 6 out of 20, indicating weak institutional accumulation and no clear large-ho

Sitting on the sidelines or leaning short UVSP above $39.60. Per the RQD rating, the Whale 13F Flow pillar scores only 6 out of 20, indicating weak institutional accumulation and no clear large-holder conviction.. Until Fundamental Cash Engine (15/20) and FCF yield (9.36%) inflect higher, upside is capped near $45.46.

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