Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Univest FinancialUVSP +0.05%65 FCF Yield % is 9.20 as of Aug. 20, 2026, which is 8% below its 10-year median of 10.01. 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. Among 1,498 Banks companies, Univest Financial ranks better than 55.21% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Univest Financial FCF Yield % Related Terms
Univest Financial FCF Yield % Historical Data
* Premium members only.
The historical data trend for Univest Financial's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Univest Financial's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Univest Financial's FCF Yield % falls into.
* 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 FCF Yield % of 9.20 as of Aug. 20, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Univest Financial and its competitors. This is near median its historical median of 10.01. Over the past decade, Univest Financial's FCF Yield % has ranged from 2.63 to 20.51. According to the industry distribution chart, Univest Financial ranks #671 out of 1498 companies in the Banks industry, placing it in the top 44.8%.
Is Univest Financial's FCF Yield % too high?
Univest Financial's current FCF Yield % of 9.20 is near median its 10-year median of 10.01. Over the past 10 years, this metric has ranged from a low of 2.63 to a high of 20.51. The Banks industry median FCF Yield % is 8.24. Univest Financial's value of 9.20 is 11.7% above this industry median. Based on the distribution chart, Univest Financial ranks #671 out of 1498 companies in the Banks industry, which is above the industry midpoint. 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 FCF Yield % compare to OSBC and PFBC?
According to the Banks industry distribution chart, Univest Financial ranks #671 out of 1498 companies for FCF Yield %. This puts Univest Financial in the upper half of its industry. The industry median FCF Yield % is 8.24. Univest Financial's value of 9.20 is 11.7% above this benchmark. Historically, Univest Financial's own FCF Yield % has ranged from 2.63 to 20.51 over the past decade. While the company's 10-year median is 10.01 vs. the industry median of 8.24, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Univest Financial's current FCF Yield % of 9.20 is 11.7% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Univest Financial and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Univest Financial's current FCF Yield % is 9.20, which is near median its own 10-year median of 10.01. 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 $41.68 — trading 21.1% above its estimated fair value. The current FCF Yield % is 9.20, which is near median its 10-year median of 10.01 and 11.7% above the Banks industry median of 8.24. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Univest Financial (UVSP), the current FCF Yield % is 9.20 as of Aug. 20, 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 $41.68 is trading 21.1% above its estimated GF Value™ of $34.41.
GuruFocus considers Univest Financial to be Modestly Overvalued.
Key valuation signals for UVSP:
FCF Yield %: 9.20 (near median its 10-year median of 10.01)
GF Value™: $34.41 vs. price of $41.68 (21.1% above fair value)
Industry Position: 11.7% above the Banks median (#671 of 1498)
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.
65GF Score
Get the complete analysis for UVSP
FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
UVSP has been successfully added to your 
