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Univest Financial (FRA:UVE) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Univest Financial Net Margin % Related Terms
Univest Financial Net Margin % Historical Data
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The historical data trend for Univest Financial's Net Margin % 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.
FRA:UVE vs OSBC, PFBC, HBT: Net Margin % Comparison
For the Banks - Regional subindustry, Univest Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Univest Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Univest Financial's Net Margin % 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 (FRA:UVE) has a Net Margin % of 27.21% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Univest Financial and its competitors. This is 10% above median its historical median of 24.67. Over the past decade, Univest Financial's Net Margin % has ranged from 11.46 to 33.80. According to the industry distribution chart, Univest Financial ranks #678 out of 1526 companies in the Banks industry, placing it in the top 44.4%.
Is Univest Financial's Net Margin % too high?
Univest Financial's current Net Margin % of 27.21% is 10% above median its 10-year median of 24.67. Over the past 10 years, this metric has ranged from a low of 11.46 to a high of 33.80. The Banks industry median Net Margin % is 27.27. Univest Financial's value of 27.21% is 0.2% below this industry median. Based on the distribution chart, Univest Financial ranks #678 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to OSBC and PFBC?
According to the Banks industry distribution chart, Univest Financial ranks #678 out of 1526 companies for Net Margin %. This puts Univest Financial in the upper half of its industry. The industry median Net Margin % is 27.27. Univest Financial's value of 27.21% is 0.2% below this benchmark. Historically, Univest Financial's own Net Margin % has ranged from 11.46 to 33.80 over the past decade. While the company's 10-year median is 24.67 vs. the industry median of 27.27, Univest Financial has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.27, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Univest Financial's current Net Margin % of 27.21% is 0.2% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Univest Financial and its competitors. For the Banks industry, the median Net Margin % is 27.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Univest Financial's current Net Margin % is 27.21%, which is 10% above median its own 10-year median of 24.67. 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 Net Margin % of 27.21%. 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 Net Margin % is 27.21%, which is 10% above median its 10-year median of 24.67 and 0.2% below the Banks industry median of 27.27. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Univest Financial (FRA:UVE), the current Net Margin % is 27.21% 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:
Net Margin %: 27.21% (10% above median its 10-year median of 24.67)
GF Value™: €29.90 vs. price of €36.20 (21.1% above fair value)
Industry Position: 0.2% below the Banks median (#678 of 1526)
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 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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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