Univest Financial (UVSP) Stock: Buy, Sell, or Hold?
$40.85
+0.02 (+0.05%)
▲
5d:
-1.54%
30d:
+0.74%
90d:
-4.93%
QUANTITATIVE VERDICT
BUY
MODERATE Confidence (81%)
Quality Score
54/100
Position
FAIR
30-Day Fair Range
$40.42 – $41.90
Position: FAIR
Forward P/E & Valuation
10.4x
FAIR
vs 10.4x historical avg
Wall Street Target
$45.17
+10.6% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$39.01 / $42.68
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
💡 BUY OPPORTUNITY: UVSP shows positive signals but monitor for confirmation. Market pricing in 0.2% decline. Moderate conviction.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$55.62
Based on 6.4% avg growth
INTRINSIC VALUE TODAY
$34.53
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: UVSP is currently trading at $40.85, which is considered fair relative to its 30-day fair value range of $40.42 to $41.90. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (10.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.2% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, UVSP is in a strong downtrend. Immediate support is located at $39.01, while resistance sits at $42.68.
Market Sentiment: UVSP scores 69/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $45.17 (+10.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UVSP is in a strong downtrend. Immediate support is located at $39.01, while resistance sits at $42.68.
Market Sentiment: UVSP scores 69/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $45.17 (+10.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$40.42 -
$41.90
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.0%
Trading Range & Key Levels
30-Day Trading Range
$40.42 -
$41.90
Current vs Trading Range
FAIR
Support Level
$39.01
Resistance Level
$42.68
Current Trend
Strong Downtrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (69/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($45.17)
- BULLISH: Bottoming setup score 69/100 — corrected, stabilizing, and turning up
Fundamental Context
Forward P/E (Next Year Est.)
10.39
Wall Street Target
$45.17
(+10.6%)
Revenue Growth (YoY)
-2.1%
Earnings Growth (YoY)
-12.4%
Profit Margin
28.7%
Valuation Discount vs History
-0.2% cheaper
PE vs Historical
10.4 vs 10.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.2%
(market-implied from PE analysis)
1-Year Target
$40.77
(0%)
2-Year Target
$40.69
(0%)
3-Year Target
$40.61
(-1%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$40.66
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 8.7%)
$100.20
(+145%)
Base:
(SPY PE: 10.4, Growth: 8.7%)
$52.40
(+28%)
Bear:
(PE: 8.8, Growth: 8.7%)
$44.54
(+9%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.26 | Current EPS (TTM): $3.33
Bull Case
$53.05
(+30%)
Analyst growth 18.1%, PE expands to 13.5
Base Case
$48.23
(+18%)
Market implied 18.1%, PE stable at 12.3
Bear Case
$27.76
(-32%)
Severe decline -20.0%, PE contracts to 10.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.4 to 10.4
Stabilization Target:
$40.91
(+0.1%)
PE Expansion Potential:
+0.1%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (UVSP)
Bearish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 29, 2026
Daily AI digest
AI Retail Discussion Summary:
Investors expressed bearish sentiment on social media following $UVSP's Q3 earnings miss, with EPS coming in at $0.78 versus the estimated $0.98. According to the latest Yahoo Finance news, Univest reported a 8.8% revenue growth to $90.54 million, but the efficiency ratio and net loan charge-offs came in higher than estimates.
Key Retail Themes:
earnings miss
revenue growth
efficiency ratio
net loan charge-offs
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 8:04 AM ET
Data refreshes hourly during market hours. Next update: 9:04 AM
Data refreshes hourly during market hours. Next update: 9:04 AM
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Technical Signals Check
Is UVSP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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