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Univest FinancialUVSP -1.35%66 EV-to-FCF is 12.64 as of Jul. 22, 2026, which is 8% above its 10-year median of 11.66. GuruFocus rates UVSP with a GF Score™ of 66/100 and a GF Value™ of $33.36 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,192 Banks companies, Univest Financial ranks worse than 70.3% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Univest Financial's Enterprise Value is $1,324.8 Mil.
Univest Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $104.8 Mil. Therefore, Univest Financial's EV-to-FCF for today is 12.64.
The historical rank and industry rank for Univest Financial's EV-to-FCF or its related term are showing as below:
UVSP'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.69 Med: 11.66 Max: 48.36
Current: 12.64
During the past 13 years, the highest EV-to-FCF of Univest Financial was 48.36. The lowest was 1.69. And the median was 11.66.
UVSP's EV-to-FCF is ranked worse than 70.3% of 1192
companies
in the Banks industry
Industry Median: 6.71
vs UVSP: 12.64
EV-to-FCF 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-FCF 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 $43.81.
Univest Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.330.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Univest Financial EV-to-FCF Related Terms
Univest Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Univest Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Univest Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Univest Financial's EV-to-FCF falls into.
Univest Financial's current Enterprise Value is $1,324.8 Mil.
Univest Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $104.8 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-FCF of 12.64 as of Jul. 22, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Univest Financial and its competitors. This is near median its historical median of 11.66. Over the past decade, Univest Financial's EV-to-FCF has ranged from 1.69 to 48.36. According to the industry distribution chart, Univest Financial ranks #838 out of 1192 companies in the Banks industry, placing it in the top 70.3%.
Is Univest Financial's EV-to-FCF too high?
Univest Financial's current EV-to-FCF of 12.64 is near median its 10-year median of 11.66. Over the past 10 years, this metric has ranged from a low of 1.69 to a high of 48.36. The Banks industry median EV-to-FCF is 6.71. Univest Financial's value of 12.64 is 88.4% above this industry median. Based on the distribution chart, Univest Financial ranks #838 out of 1192 companies in the Banks industry, which is below the industry midpoint. Overall, Univest Financial has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Univest Financial's EV-to-FCF compare to MCB and PFBC?
According to the Banks industry distribution chart, Univest Financial ranks #838 out of 1192 companies for EV-to-FCF. This places Univest Financial in the lower half of its industry. The industry median EV-to-FCF is 6.71. Univest Financial's value of 12.64 is 88.4% above this benchmark. Historically, Univest Financial's own EV-to-FCF has ranged from 1.69 to 48.36 over the past decade. While the company's 10-year median is 11.66 vs. the industry median of 6.71, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.71, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Univest Financial's current EV-to-FCF of 12.64 is 88.4% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Univest Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Univest Financial's current EV-to-FCF is 12.64, which is near median its own 10-year median of 11.66. 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 Significantly Overvalued. The stock's GF Value™ is $33.36, compared to a current price of $43.81 — trading 31.3% above its estimated fair value. The current EV-to-FCF is 12.64, which is near median its 10-year median of 11.66 and 88.4% above the Banks industry median of 6.71. Univest Financial's overall GF Score™ is 66/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Univest Financial (UVSP), the current EV-to-FCF is 12.64 as of Jul. 22, 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 $43.81 is trading 31.3% above its estimated GF Value™ of $33.36.
GuruFocus considers Univest Financial to be Significantly Overvalued.
Key valuation signals for UVSP:
EV-to-FCF: 12.64 (near median its 10-year median of 11.66)
GF Value™: $33.36 vs. price of $43.81 (31.3% above fair value)
Industry Position: 88.4% above the Banks median (#838 of 1192)
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.
66GF Score
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