UVSP
UNIVEST FINANCIAL
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: UVSP
- PE Ratio
As of Jul 31, 2026, the UVSP stock has a PE ratio of 12.68. The calculation is based on the latest EPS of $3.49 and the stock price of $44.24 per share. An increase of 18% has been observed in the PE ratio compared to its average of 10.8 of the last four quarters.
UVSP PE ratio history
The mean historical PE ratio of UNIVEST FINANCIAL over the last ten years is 13.14. The current 12.68 P/E ratio is 3.5% lower than the historical average. Looking back at the last ten years, UVSP's PE ratio peaked in the Dec 2016 quarter at 36.35, with a price of $30.9 and an EPS of $0.85. The Jun 2023 quarter marked the lowest point at 6.43, with a price of $18.08 and an EPS of $2.81.
UNIVEST FINANCIAL PE ratio by year
Maximum annual increase: 142.17% in 2016
Maximum annual decrease: -52.96% in 2017
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 10.36 | -8.72% | $32.74 | $3.16 |
| 2024 | 11.35 | 24.73% | $29.51 | $2.6 |
| 2023 | 9.1 | -7.33% | $22.03 | $2.42 |
| 2022 | 9.82 | 2.4% | $26.13 | $2.66 |
| 2021 | 9.59 | -25.43% | $29.92 | $3.12 |
| 2020 | 12.86 | 7.53% | $20.58 | $1.6 |
| 2019 | 11.96 | -4.63% | $26.78 | $2.24 |
| 2018 | 12.54 | -26.67% | $21.57 | $1.72 |
| 2017 | 17.1 | -52.96% | $28.05 | $1.64 |
| 2016 | 36.35 | 142.17% | $30.9 | $0.85 |
| 2015 | 15.01 | 1.62% | $20.86 | $1.39 |
| 2014 | 14.77 | -8.6% | $20.24 | $1.37 |
| 2013 | 16.16 | 18.13% | $20.68 | $1.28 |
| 2012 | 13.68 | 5.56% | $17.1 | $1.25 |
| 2011 | 12.96 | -35.78% | $14.64 | $1.13 |
UNIVEST FINANCIAL PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Jun 2026 | 12.54 | 22.58% | $43.75 | $3.49 |
| Mar 2026 | 10.23 | -1.25% | $34.26 | $3.35 |
| Dec 2025 | 10.36 | 3.5% | $32.74 | $3.16 |
| Sep 2025 | 10.01 | -8.33% | $30.02 | $3 |
| Jun 2025 | 10.92 | 3.21% | $30.04 | $2.75 |
| Mar 2025 | 10.58 | -6.78% | $28.36 | $2.68 |
| Dec 2024 | 11.35 | 1.25% | $29.51 | $2.6 |
| Sep 2024 | 11.21 | 20.28% | $28.14 | $2.51 |
| Jun 2024 | 9.32 | 7.37% | $22.83 | $2.45 |
| Mar 2024 | 8.68 | -4.62% | $20.82 | $2.4 |
| Dec 2023 | 9.1 | 40.22% | $22.03 | $2.42 |
| Sep 2023 | 6.49 | 0.93% | $17.38 | $2.68 |
| Jun 2023 | 6.43 | -27.18% | $18.08 | $2.81 |
| Mar 2023 | 8.83 | -10.08% | $23.74 | $2.69 |
| Dec 2022 | 9.82 | 2.08% | $26.13 | $2.66 |
UVSP Price vs fair value
UVSP average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, UVSP's PE ratio is higher than the 3 and 5-year averages, but it is lower than its 10-year average.
PE comparison
UNIVEST FINANCIAL's price to earnings (P/E) of 12.68 is lower than the Financial Services sector, the industry and its peers average. In comparison with the Financial Services sector average of 13.56, UNIVEST FINANCIAL's price to earnings (P/E) is 6% lower.
UVSP PE vs peers
In comparison to its peers MTB and STBA, UVSP's PE ratio is lower, but it is higher than FNB's and NWFL's. UNIVEST FINANCIAL is currently trading at a lower PE ratio (12.68) than its peers average of 14.87.
| Stock name | PE ratio | Market cap |
|---|---|---|
| FNB F.N.B. Corp | 11.77 | $6.79B |
| NWFL Norwood Financial Corp | 12.68 | $372.9M |
| UVSP UNIVEST FINANCIAL Corp | 12.69 | $1.22B |
| ACNB Acnb Corp | 13.14 | $657.76M |
| MTB M & T Bank Corp | 13.82 | $36.34B |
| STBA S&T Bancorp Inc | 14.61 | $1.88B |
| CZNC Citizens & Northern Corp | 23.43 | $453.29M |
Frequently asked questions
What is UNIVEST FINANCIAL's PE ratio?
UVSP's price to earnings ratio is 12.68 as of Jul 31, 2026.
What is the 3-year average PE ratio for UNIVEST FINANCIAL (UVSP)?
As an average over the last 3 years, UVSP stock has a PE ratio of 10.07.
What is the 5-year average PE ratio for UNIVEST FINANCIAL (UVSP)?
As an average over the last 5 years, UVSP stock has a PE ratio of 9.67.
What is the highest PE ratio for UVSP?
Over the last ten years, the Dec 2016 quarter recorded the highest quarterly PE ratio at 36.35.
How does the current PE ratio for UVSP compare to its historical average?
UVSP's current price to earnings ratio is 3.5% below its 10-year historical average.
How is UVSP's PE ratio calculated (UNIVEST FINANCIAL PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jul 31, 2026), UNIVEST FINANCIAL's share price is $44.24. The company's earnings per share for the trailing twelve months (TTM) ending Jun 2026 is $3.49. Therefore, UNIVEST FINANCIAL's PE ratio for today is 12.68. PE RATIO(12.68) = STOCK PRICE($44.24) / TTM EPS($3.49)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.