Intrinsiqq

Univest Financial Corporation (UVSP) Quality Score

UVSP
Quality85

Strong across all measured dimensions. No single area is pulling the score down meaningfully.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
12.1x

Under 20x, reasonable relative to earnings

Price / Book
90/100
1.21x

1.2x book, reasonable for a financial

Revenue Growth
50/100
4.0%

2–5% CAGR, growing but slowly

Book Value Growth
100/100
9.1%

Above 8% book-value compounding, strong

Business Quality & Capital Allocation

Share Dilution
100/100
-5.4%

Shrinking >2%, active buybacks

Return on Equity
80/100
10.3%

10–15%, healthy ROE

Capital Adequacy
80/100
11.6%

11.6% equity/assets, comfortable cushion

Margin Trend
90/100
+2.1pp

Expanded 1–3pp, steady progress

Univest Financial (UVSP) quality: score, margins and returns

Univest Financial (UVSP) scores 85/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Univest Financial (UVSP) a high-quality business?+

Univest Financial scores 85 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Univest Financial's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from UVSP's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Univest Financial scores well and where it falls behind.

How profitable is Univest Financial?+

Univest Financial runs a net margin of about 29.6%. Revenue has grown at roughly 136.4% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 27 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 3 Aug 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

Related stocks: State Commercial Banks

Spot a number that looks wrong? Check it in UVSP's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.