FSBC (69) NBN (51) HBNC (57) CCNE (65) ⌘ Pro Terminal →

Univest Financial Corporation (UVSP) — RQD Stock Rating Cockpit

$39.60 +0.69% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $39.57

Univest Financial Corporation (UVSP) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $1.09B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UVSP Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UVSP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Univest Financial Corporation (NASDAQ: UVSP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $39.60 (+0.69% 1D, market cap $1.09B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, UVSP ranks #276 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UVSP compare to FSBC and NBN in the Financials sector?

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Within the Financials sector (Major Banks), UVSP carries a Roarable C (64/100 RQD), trailing P/E of 12.0x, gross margin of —, and ROIC of 9.6%. By comparison, FSBC (Five Star Bancorp) holds a C+ grade (69/100 RQD, P/E 18.2x, ROIC 13.8%, cap $1.10B) and NBN (Northeast Bank) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $1.12B). Among the 5-stock peer group, UVSP leads on earnings multiple (12.0x) while FSBC leads on capital efficiency (13.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UVSP?

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Per UVSP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000102212), Univest Financial Corporation generated $328.1M in revenue (+9.6% YoY), $90.8M in net income, and $101.5M in free cash flow against $8.44B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $39.57 (-0.07%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 30.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UVSP)Realized 20D OHLCV Swing Band: ±4.5%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY UVSP SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 30.9% FCF Margin ($101.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$40.55+3.2% Next Q

Q2 (-2Q)

Grade B-$41.83+1.4% Next Q

Q3 (-1Q)

Grade B-$42.40-6.6% Next Q

Current

Grade C$39.60+1.1% Hist 90D α

Trajectory: B (72) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UVSP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, UVSP faces multiple-compression risk if 12.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($41.56) or 200D SMA ($39.33) invalidates the momentum regime and cuts Target Base ($40.67) toward Bear Floor ($31.72).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UVSP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UVSP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

36.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE66% OF RANGE

L: $28$39.60H: $45

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on UVSP

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

9.6% ROIC with 42.0% gross margin and 9.36% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (60)

23/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like UVSP

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (UVSP Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

UVSP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.77%🛡️ HOLDING TREND SUPPORT

2026-11-03O $39.33H $39.60L $39.33C $39.60VOL 349.3K

RES: $42.52SUP: $38.87SMA50: $41.56SMA200: $39.33

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UVSP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UVSP Butterfly Map → + Track UVSP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

2.5%/yr Implied 5Y Growth

vs. +9.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UVSP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UVSP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for UVSP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UVSP)

Financials Rank #276 of 1096 ⚔️ FSBC vs UVSP Full Matrix →

1. Head-to-Head Financials Peer Comparison (UVSP vs. FSBC, NBN, HBNC, CCNE)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Univest Financial Corporation (UVSP) ranks #276 by composite RQD confidence (64/100, grade C) and #531 by equity capitalization ($1.09B). Within this direct 5-issuer industry benchmark cohort, UVSP leads on earnings valuation at 12.0x trailing P/E, while FSBC leads on capital efficiency and profitability with 13.8% ROIC and — gross margin. FSBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with UVSP at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UVSP ACTIVE Univest Financial Corporation	C	64/100	12.0x	—	9.6%	+0.69%	$1.09B	Benchmark Subject
FSBC Five Star Bancorp	C+	69/100	18.2x	—	13.8%	-1.84%	$1.10B	/fsbc-vs-uvsp →
NBN Northeast Bank	D	51/100	—	—	—	-2.99%	$1.12B	/nbn-vs-uvsp →
HBNC Horizon Bancorp Inc.	D+	57/100	—	—	-21.9%	-1.38%	$1.06B	/hbnc-vs-uvsp →
CCNE CNB Financial Corporation	C	65/100	16.0x	—	7.6%	-0.42%	$1.05B	/ccne-vs-uvsp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000102212

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Univest Financial Corporation (UVSP) reported GAAP revenue of $328.1M (+9.6% vs. FY2024 revenue of $299.2M , and +10.5% cumulative change since FY2023) , GAAP net income of $90.8M, operating cash flow of $101.5M, and free cash flow of $101.5M (+35.2% YoY). On the balance sheet, UVSP closed FY2025 with $8.44B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$328.1M	$90.8M	$101.5M	$101.5M	$8.44B	—
FY2024 (FY)	2024-12-31	$299.2M	$75.9M	$75.1M	$75.1M	$8.13B	—
FY2023 (FY)	2023-12-31	$296.8M	$71.1M	$89.7M	$89.7M	—	—

3. UVSP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UVSP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does UVSP compare to FSBC and NBN in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for UVSP?

Where is UVSP trading relative to its 50-day, 200-day, and 52-week technical levels?

UVSP last traded at $39.60 (+0.69% on volume of 349,291 shares), positioning the stock -4.72% below its 50-day simple moving average ($41.56) and +0.69% above its 200-day simple moving average ($39.33). Across its 52-week range of $28.20 to $45.46, UVSP sits at the 66.0% percentile with a 14-day RSI of 36.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($37.82 to $41.38).

UVSP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell UVSP stock right now?

Univest Financial Corporation (UVSP) currently earns a Roarable Rating of C (Hold — HOLD) with 64/100 RQD Confidence. Solid steady margins (10% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.

What is UVSP's 12-month price target and RQD AI Jury consensus?

UVSP's 12-month base price target is $40.67 (range $31.72 to $47.99), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: UVSP RQD Cockpit UVSP 12M Forecast UVSP Earnings & Move UVSP Dividends & DRIP UVSP Insiders & 13F UVSP Whale Options UVSP Profit Sankey UVSP News & Why

ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

UVSP — Univest Financial Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:30:49Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, UVSP scores 64 out of 100, a letter grade of C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

Fundamental Cash Engine: 15 / 20. Per the RQD rating, ROIC is 9.6% and FCF yield is 9.36%. These are the strongest cash-generation signals in the rating and support the view that the business converts earnings into free cash flow at a reasonable rate. The FY 2025 FCF of $101.5M against net income of $90.8M (per the SEC financials) is consistent with that reading.
Whale 13F Flow: 6 / 20. Per the RQD rating, institutional accumulation and options positioning score low. For a prospective investor, this suggests limited evidence of large institutional conviction building in the stock, which removes a potential upside catalyst.
Insider Conviction: 16 / 20. Per the RQD rating, SEC Form 4 and Congressional PTR cluster flow scores relatively well. This is the highest-scoring pillar and indicates insider activity is comparatively supportive, though the underlying trade detail is not provided in the source data.
Macro Regime Fit: 14 / 20. Per the RQD rating, beta is 1.0 and sector sensitivity is moderate. The stock is expected to move roughly in line with the broad market, offering neither defensive insulation nor amplified upside relative to the market.
Forensic Balance Sheet: 13 / 20. Per the RQD rating, Altman Z is 2.5, Piotroski F is 6/9, and Debt/Equity is 0.5. These readings point to a balance sheet that is adequate rather than exceptionally strong.

Taken together, the rating frames UVSP as a stock with solid cash generation and a supportive insider signal, offset by weak institutional accumulation and a market-like risk profile. Valuation metrics (P/E of 12 TTM, forward P/E of 11.2) and a 2.34% dividend yield are the primary upside considerations, while the 52-week range of $28.2 to $45.46 and the -6.53% change on the latest price illustrate meaningful recent price volatility. A prospective investor would weigh the cash-engine and valuation strengths against the limited institutional support and the absence of a clear growth catalyst in the source data.

Business

Univest Financial Corporation (UVSP) is listed on NASDAQ and classified under the Financials sector and Major Banks industry, per the profile section. The profile describes it as a Financials issuer with a market capitalization of $1.1B. The source data does not describe its specific products, customer base, or revenue model beyond the sector and industry classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$328.1M	$0.0M	$90.8M	N/A	$101.5M	N/A	N/A
FY 2024	$299.2M	$0.0M	$75.9M	N/A	$75.1M	N/A	N/A
FY 2023	$296.8M	$0.0M	$71.1M	N/A	$89.7M	N/A	N/A

Per the SEC financials, revenue rose from $296.8M in FY 2023 to $328.1M in FY 2025, and net income rose from $71.1M to $90.8M over the same period. The reported net margin is 27.7% per the market data, and ROIC is 9.6%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 6/9, with Debt/Equity at 0.5. Gross margin and operating margin are reported as 0% in the market data and operating income is reported as $0.0M in each period, which the source data does not explain.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts section, the feed contains six items, all tagged with a YELLOW light and MARKET WIRE impact label:

A Yahoo Finance report on loan charge-offs and their implications for shareholders.
A TradingView estimates report.
A Stock Titan report noting that third-quarter results are scheduled after market close on Oct. 28, with a call at 9 a.m. on Oct. 29.
A marketscreener.com report on Q3 results, citing Q3 net interest income of $67.8M.
A Yahoo Finance report comparing Q3 key metrics to estimates.
A Simply Wall St stock price page.

Risk watch items arising from the feed include loan charge-offs, which the first headline flags for shareholders. The source data does not provide the Q3 estimate figures or the actual results beyond net interest income. Per the Butterfly Supply-Chain Graph, no supply-chain links or proprietary signals are recorded.

Open Questions

What drove the -6.53% change in the latest price, and is it connected to the loan charge-off coverage referenced in the news feed?
Why are gross margin and operating margin reported as 0% and operating income as $0.0M when net margin is 27.7%?
What are the Q3 EPS and revenue figures relative to the estimates referenced in the Q3 earnings coverage?
What are cash and debt balances for each reported period, since both are listed as N/A?
What is the composition of the SEC Form 4 and Congressional PTR flow behind the insider conviction score?

UVSP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Univest Financial Corporation (UVSP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to UVSP Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 15h ago

What Univest Financial (UVSP)'s Loan Charge Offs Mean For Shareholders

Yahoo Finance report covering Univest Financial Corporation (UVSP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 18h ago

Univest Financial Corporation Estimates – NASDAQ:UVSP

TradingView report covering Univest Financial Corporation (UVSP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 21h ago

Third-quarter results are scheduled after market close Oct. 28; Univest's call follows at 9 a.m. Oct. 29.

Stock Titan report covering Univest Financial Corporation (UVSP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE marketscreener.com • 1d ago

Earnings Flash (UVSP) Univest Financial Corporation Reports Q3 Net Interest Income $67.8M

marketscreener.com report covering Univest Financial Corporation (UVSP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Univest (UVSP) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Yahoo Finance report covering Univest Financial Corporation (UVSP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Univest Financial (NasdaqGS:UVSP) Stock Price

Simply Wall St report covering Univest Financial Corporation (UVSP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

Univest Reports $21.6 Million Third-Quarter Profit as Credit Provision Rises

Quiver Quantitative report covering Univest Financial Corporation (UVSP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Univest (UVSP) Q3 Earnings and Revenues Lag Estimates

Yahoo Finance report covering Univest Financial Corporation (UVSP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UVSP Bull vs. Bear Conversation Board — What's Your Call at $39.60?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UVSP 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $42.48 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is UVSP (C • RQD 64/100) a Buy at $39.33?

Welcome to the UVSP (Univest Financial Corporation) Roar Pit. Current RQD Composite is 64/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

VA ValDiscipline Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $32.25 (-18.0%)

Spot @ $39.33

Pump the brakes on UVSP — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on UVSP, but look at what you are paying: 12.0x trailing P/E with tightening sector spreads. Unless Univest Financial Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $49.56 (+26.0%)

Spot @ $39.33

UVSP cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on UVSP, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $39.33 (52-wk range $28.20 - $45.46), any beat on forward guidance forces shorts and underweight funds to chase.