Univest Financial Corporation (UVSP) Next Earnings Date & Expected ±4.5% Move

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 () 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.
• 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.

Univest Financial Corporation (UVSP) is listed on NASDAQ and classified under the Financials sector and Major Banks industry. The profile describes it as a Financials issuer with a market capitalization of $1.1B.

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%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 6/9, with Debt/Equity at 0.5.

• 🐂 Primary Bull Case: Per the RQD rating, a 9.36% FCF yield and 9.6% ROIC sit alongside a P/E of 12 and forward P/E of 11.2, indicating valuation and cash generation are favorable. With Fundamental Cash Engine at 15/20 (ROIC 9.6%, FCF yield 9.36%) and Institutional Whale Flow at 7/20, sustained execution supports upside toward the top of the $28.20 – $45.46 52-week range.
• 🐻 Primary Bear Case: Per the RQD rating, the Whale 13F Flow pillar scores only 6 out of 20, indicating weak institutional accumulation and no clear large-holder conviction. Investors must weigh 12.0x trailing P/E against — operating margins and a 1.00 macro beta if sector demand softens.

Operating in Major Banks (Financials), UVSP carries a macro regime beta of 1.00 and gross margin of —.

• Key Question #1: 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?
• Key Question #2: Why are gross margin and operating margin reported as 0% and operating income as — when net margin is 27.7%?
• Key Question #3: What are the Q3 EPS and revenue figures relative to the estimates referenced in the Q3 earnings coverage?