Univest Financial (FRA:UVE) Cyclically Adjusted FCF per Share: €2.71 (As of Jun. 2026)

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FRA:UVE Univest Financial Corp FRA:UVE
65 GF Score
Price €36.20
GF Value €29.90
! 8 Warning Signs
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What is Univest Financial Cyclically Adjusted FCF per Share?

Univest Financial FRA:UVE -0.55% 65 Cyclically Adjusted FCF per Share is €2.71 as of Jun. 2026. GuruFocus rates FRA:UVE with a GF Score™ of 65/100 and a GF Value™ of €29.90. The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Univest Financial's adjusted free cash flow per share for the three months ended in Jun. 2026 was €0.711. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €2.71 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Univest Financial's average Cyclically Adjusted FCF Growth Rate was -100.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 5.50% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 6.80% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 5.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Univest Financial was 8.00% per year. The lowest was -4.30% per year. And the median was 3.80% per year.

As of today (2026-08-20), Univest Financial's current stock price is €36.20. Univest Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €2.71. Univest Financial's Cyclically Adjusted Price-to-FCF of today is 13.36.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Univest Financial was 17.30. The lowest was 6.21. And the median was 11.49.


Univest Financial  (FRA:UVE) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Univest Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=36.20/2.71
=13.36

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Univest Financial was 17.30. The lowest was 6.21. And the median was 11.49.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Univest Financial Cyclically Adjusted FCF per Share Related Terms


Univest Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Univest Financial's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Univest Financial Cyclically Adjusted FCF per Share Chart

Univest Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.02 2.34 2.39 2.48 2.49

Univest Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.35 2.31 2.49 2.56 2.71

FRA:UVE vs OSBC, PFBC, HBT: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Univest Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Univest Financial Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Univest Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Univest Financial's Cyclically Adjusted Price-to-FCF falls into.


FRA:UVE
65GF Score
Univest Financial Corp FRA:UVE
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Univest Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Univest Financial's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.711/333.9520*333.9520
=0.711

Current CPI (Jun. 2026) = 333.9520.

Univest Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.113 241.428 0.156
201612 0.217 241.432 0.300
201703 0.544 243.801 0.745
201706 0.423 244.955 0.577
201709 0.371 246.819 0.502
201712 0.772 246.524 1.046
201803 0.468 249.554 0.626
201806 0.533 251.989 0.706
201809 0.689 252.439 0.911
201812 0.692 251.233 0.920
201903 0.491 254.202 0.645
201906 0.421 256.143 0.549
201909 0.686 256.759 0.892
201912 0.519 256.974 0.674
202003 0.330 258.115 0.427
202006 0.403 257.797 0.522
202009 0.576 260.280 0.739
202012 0.103 260.474 0.132
202103 0.818 264.877 1.031
202106 0.476 271.696 0.585
202109 0.484 274.310 0.589
202112 1.019 278.802 1.221
202203 0.710 287.504 0.825
202206 1.099 296.311 1.239
202209 0.760 296.808 0.855
202212 0.783 296.797 0.881
202303 0.575 301.836 0.636
202306 0.552 305.109 0.604
202309 0.661 307.789 0.717
202312 0.817 306.746 0.889
202403 0.328 312.332 0.351
202406 -0.134 314.175 -0.142
202409 1.176 315.301 1.246
202412 0.892 315.605 0.944
202503 0.432 319.799 0.451
202506 0.654 322.561 0.677
202509 0.923 324.800 0.949
202512 0.894 324.054 0.921
202603 0.659 330.213 0.666
202606 0.711 333.952 0.711

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €2.71 mean?
Univest Financial (FRA:UVE) has a Cyclically Adjusted FCF per Share of €2.71 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Univest Financial and its competitors.
Is Univest Financial's Cyclically Adjusted FCF per Share too high?
Univest Financial's current Cyclically Adjusted FCF per Share is €2.71. Overall, Univest Financial has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Univest Financial's Cyclically Adjusted FCF per Share compare to OSBC and PFBC?
Univest Financial's Cyclically Adjusted FCF per Share of €2.71 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Univest Financial and its competitors. Univest Financial's current Cyclically Adjusted FCF per Share is €2.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Univest Financial stock overvalued right now?
Univest Financial (FRA:UVE) has a current Cyclically Adjusted FCF per Share of €2.71. The stock's GF Value™ is €29.90, compared to a current price of €36.20 — trading 21.1% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €2.71. Univest Financial's overall GF Score™ is 65/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Univest Financial (FRA:UVE), the current Cyclically Adjusted FCF per Share is €2.71 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Univest Financial (FRA:UVE) Overvalued in 2026?

Based on GuruFocus' analysis, Univest Financial stock appears to be overvalued. The current stock price of €36.20 is trading 21.1% above its estimated GF Value™ of €29.90.

Key valuation signals for FRA:UVE:

  • Cyclically Adjusted FCF per Share: €2.71
  • GF Value™: €29.90 vs. price of €36.20 (21.1% above fair value)
  • GF Score™: 65/100 with 8 warning signs

No single metric tells the full story. See the FRA:UVE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Univest Financial Business Description

Other Exchanges UVSP:USA
Address 14 North Main Street, Souderton, PA, USA, 18964
Univest Financial Corp is engaged in domestic banking services for individuals, businesses, municipalities and non-profit organizations. The bank has three operating segments; Banking segment provides financial services including a full range of banking services such as deposit taking, loan origination, and servicing, mortgage banking, other general banking services, and equipment lease financing, Wealth Management segment offers investment advisory, financial planning, trust and brokerage services, and The Insurance segment includes a full-service insurance brokerage agency offering commercial property and casualty insurance, employee benefits solutions, personal insurance lines and human resources consulting. It generates majority of its revenue from the banking segment.
65GF Score

Get the complete analysis for FRA:UVE

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.20
Price
€29.90
GF Value