UVSP Stock Analysis: Buy, Sell, or Hold?
UVSP - Univest Financial Corporation Common Stock
$44.56
0.32 (0.72%)
▲
5d:
+0.8%
30d:
+0.97%
90d:
+16.22%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 28, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: UVSP shows positive signals but monitor for confirmation. Market pricing in 2.9% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: UVSP shows positive signals but monitor for confirmation. Market pricing in 2.9% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$49.48
Based on 4.0% avg growth
INTRINSIC VALUE TODAY
$30.72
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 $44.56, which is considered slightly high relative to its 30-day fair value range of $43.65 to $44.65. The stock's valuation (Forward PE: 11.3) is in line with its historical norms (10.4). At these levels, the market is pricing in 2.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, UVSP is in a strong uptrend. The price is approaching resistance at $45.37. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, UVSP is in a strong uptrend. The price is approaching resistance at $45.37. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$43.65 -
$44.65
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($45.33)
- NEUTRAL: Market pricing in 2.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$43.65 -
$44.65
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$42.20
Resistance Level
$45.37
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.29
Wall Street Target
$45.33
(+2.5%)
Revenue Growth (YoY)
8.4%
Earnings Growth (YoY)
18.8%
Profit Margin
29.8%
Valuation Premium vs History
+2.9% premium
PE vs Historical
11.3 vs 10.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.9%
(market-implied from PE analysis)
1-Year Target
$45.52
(+3%)
2-Year Target
$46.84
(+6%)
3-Year Target
$48.20
(+9%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$44.42
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 3.9%)
$91.11
(+106%)
Base:
(SPY PE: 11.3, Growth: 3.9%)
$49.60
(+12%)
Bear:
(PE: 9.6, Growth: 3.9%)
$42.16
(-5%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.87 | Current EPS (TTM): $3.45
Bull Case
$55.49
(+25%)
Analyst growth 13.6%, PE expands to 14.2
Base Case
$50.45
(+14%)
Market implied 13.6%, PE stable at 12.9
Bear Case
$30.19
(-32%)
Severe decline -20.0%, PE contracts to 10.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 2:10 PM ET
Data refreshes hourly during market hours. Next update: 3:10 PM
Data refreshes hourly during market hours. Next update: 3:10 PM
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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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