UVSP (Univest Financial) Cyclically Adjusted FCF per Share: $3.14 (As of Jun. 2026)

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UVSP Univest Financial Corp UVSP
65 GF Score
Price $41.62
GF Value $34.41
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Univest Financial Cyclically Adjusted FCF per Share?

Univest Financial UVSP -0.10% 65 Cyclically Adjusted FCF per Share is $3.14 as of Jun. 2026. GuruFocus rates UVSP with a GF Score™ of 65/100 and a GF Value™ of $34.41 (Modestly Overvalued). 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 $0.819. 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 $3.14 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 $41.62. Univest Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $3.14. Univest Financial's Cyclically Adjusted Price-to-FCF of today is 13.25.

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  (NAS:UVSP) 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
=41.62/3.14
=13.25

* 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 2.31 2.53 2.67 2.79 2.97

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 2.89 2.92 2.97 3.07 3.14

UVSP 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.


UVSP
65GF Score
Univest Financial Corp UVSP
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)
=0.819/333.9520*333.9520
=0.819

Current CPI (Jun. 2026) = 333.9520.

Univest Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.127 241.428 0.176
201612 0.229 241.432 0.317
201703 0.582 243.801 0.797
201706 0.476 244.955 0.649
201709 0.442 246.819 0.598
201712 0.913 246.524 1.237
201803 0.578 249.554 0.773
201806 0.623 251.989 0.826
201809 0.804 252.439 1.064
201812 0.788 251.233 1.047
201903 0.555 254.202 0.729
201906 0.476 256.143 0.621
201909 0.756 256.759 0.983
201912 0.577 256.974 0.750
202003 0.364 258.115 0.471
202006 0.454 257.797 0.588
202009 0.679 260.280 0.871
202012 0.126 260.474 0.162
202103 0.974 264.877 1.228
202106 0.573 271.696 0.704
202109 0.569 274.310 0.693
202112 1.151 278.802 1.379
202203 0.782 287.504 0.908
202206 1.161 296.311 1.308
202209 0.753 296.808 0.847
202212 0.830 296.797 0.934
202303 0.615 301.836 0.680
202306 0.598 305.109 0.655
202309 0.706 307.789 0.766
202312 0.890 306.746 0.969
202403 0.356 312.332 0.381
202406 -0.144 314.175 -0.153
202409 1.305 315.301 1.382
202412 0.934 315.605 0.988
202503 0.467 319.799 0.488
202506 0.754 322.561 0.781
202509 1.083 324.800 1.114
202512 1.047 324.054 1.079
202603 0.761 330.213 0.770
202606 0.819 333.952 0.819

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 $3.14 mean?
Univest Financial (UVSP) has a Cyclically Adjusted FCF per Share of $3.14 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 $3.14. Overall, Univest Financial has a GF Score™ of 65/100 and is considered Modestly Overvalued, 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 $3.14 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 $3.14. 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?
Based on GuruFocus' analysis, Univest Financial (UVSP) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.41, compared to a current price of $41.62 — trading 21% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $3.14. 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 (UVSP), the current Cyclically Adjusted FCF per Share is $3.14 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 (UVSP) Overvalued in 2026?

Based on GuruFocus' analysis, Univest Financial stock appears to be overvalued. The current stock price of $41.62 is trading 21% above its estimated GF Value™ of $34.41. GuruFocus considers Univest Financial to be Modestly Overvalued.

Key valuation signals for UVSP:

  • Cyclically Adjusted FCF per Share: $3.14
  • GF Value™: $34.41 vs. price of $41.62 (21% above fair value)
  • GF Score™: 65/100 with 8 warning signs

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


Univest Financial Business Description

Other Exchanges UVE:Germany
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 UVSP

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

$41.62
Price
$34.41
GF Value