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Univest FinancialUVSP -0.12%67 EV-to-OCF is 11.35 as of Sep. 09, 2026, which is 3% above its 10-year median of 11.03. GuruFocus rates UVSP with a GF Score™ of 67/100 and a GF Value™ of $34.64 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,487 Banks companies, Univest Financial ranks worse than 74.51% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Univest Financial's Enterprise Value is $1,234.1 Mil.
Univest Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $108.8 Mil. Therefore, Univest Financial's EV-to-OCF for today is 11.35.
The historical rank and industry rank for Univest Financial's EV-to-OCF or its related term are showing as below:
UVSP'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.6 Med: 11.03 Max: 30
Current: 11.35
During the past 13 years, the highest EV-to-OCF of Univest Financial was 30.00. The lowest was 1.60. And the median was 11.03.
UVSP's EV-to-OCF is ranked worse than 74.51% of 1487
companies
in the Banks industry
Industry Median: 4.06
vs UVSP: 11.35
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Univest Financial's PE Ratio (TTM) for today is calculated as:
Univest Financial's share price for today is $42.05.
Univest Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.460.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Univest Financial EV-to-OCF Related Terms
Univest Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Univest Financial's EV-to-OCF 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.
For the Banks - Regional subindustry, Univest Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Univest Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Univest Financial's EV-to-OCF falls into.
Univest Financial's current Enterprise Value is $1,234.1 Mil.
Univest Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $108.8 Mil.
* 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 (UVSP) has a EV-to-OCF of 11.35 as of Sep. 09, 2026. This is near median its historical median of 11.03. Over the past decade, Univest Financial's EV-to-OCF has ranged from 1.60 to 30.00. According to the industry distribution chart, Univest Financial ranks #1108 out of 1487 companies in the Banks industry, placing it in the top 74.5%.
Is Univest Financial's EV-to-OCF too high?
Univest Financial's current EV-to-OCF of 11.35 is near median its 10-year median of 11.03. Over the past 10 years, this metric has ranged from a low of 1.60 to a high of 30.00. The Banks industry median EV-to-OCF is 4.06. Univest Financial's value of 11.35 is 179.6% above this industry median. Based on the distribution chart, Univest Financial ranks #1108 out of 1487 companies in the Banks industry, which is below the industry midpoint. Overall, Univest Financial has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Univest Financial's EV-to-OCF compare to AMTB and MCB?
According to the Banks industry distribution chart, Univest Financial ranks #1108 out of 1487 companies for EV-to-OCF. This places Univest Financial in the lower half of its industry. The industry median EV-to-OCF is 4.06. Univest Financial's value of 11.35 is 179.6% above this benchmark. Historically, Univest Financial's own EV-to-OCF has ranged from 1.60 to 30.00 over the past decade. While the company's 10-year median is 11.03 vs. the industry median of 4.06, Univest Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.06, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Univest Financial's current EV-to-OCF of 11.35 is 179.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Univest Financial's current EV-to-OCF is 11.35, which is near median its own 10-year median of 11.03. 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 $34.64, compared to a current price of $42.05 — trading 21.4% above its estimated fair value. The current EV-to-OCF is 11.35, which is near median its 10-year median of 11.03 and 179.6% above the Banks industry median of 4.06. Univest Financial's overall GF Score™ is 67/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Univest Financial (UVSP), the current EV-to-OCF is 11.35 as of Sep. 09, 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 $42.05 is trading 21.4% above its estimated GF Value™ of $34.64.
GuruFocus considers Univest Financial to be Modestly Overvalued.
Key valuation signals for UVSP:
EV-to-OCF: 11.35 (near median its 10-year median of 11.03)
GF Value™: $34.64 vs. price of $42.05 (21.4% above fair value)
Industry Position: 179.6% above the Banks median (#1108 of 1487)
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 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.
67GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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