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UVSP

Univest FinancialC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Underlying Q2 banking trends were favorable: higher NIM, stronger net interest income, loan and deposit growth, buybacks and continued dividends. The OREO charge appears non-core, but repeatability of core improvements still requires confirmation.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -7.1.
What can break
A $28.6 million commercial relationship entered non-accrual status and required a $9.8 million specific reserve.
Momentum
51
Value
56
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $44.00 · Bull $48.00 · Bear $38.00Analysis 2026-07-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-16 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-16

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-16. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $45.50
Why
Momentum51 · Δ7d +18.8
Value56 · Δ7d +0.0
Sentiment63 · Δ7d -7.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -7.1.

Contradictions & invalidation

  • • A $28.6 million commercial relationship entered non-accrual status and required a $9.8 million specific reserve.
  • • Loan-pricing competition and funding-cost pressure could limit further NIM expansion.
  • • The earnings and revenue miss, OREO valuation pressure, new non-accrual exposure and broad loan-pricing competition create downside if credit costs rise or NIM expansion stalls.

Catalyst clock

2026-07-22

Mixed Q2 earnings follow-up

Lead driver: Sentiment · See AI snapshot
Momentum
51
9% active weight
Current posture
7d trendImproving
Δ7d
+18.8
Δ21d
+20.2
Value
56
28% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
-0.0
Sentiment
63
62% active weight
Current posture
7d trendSoftening
Δ7d
-7.1
Δ21d
-7.6
Why this grade

Composite grade C. Momentum 50.5 / Value 56.1 / Sentiment 62.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method

B+
Bull case
25%
Probability
Target price
$48.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$44.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$38.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.19B
Beta
0.68
Shares Out
27.58M
P/E (TTM)
11.0
P/S (TTM)
2.92
P/FCF (TTM)
13.53
Rev YoY
-0.8%
EPS YoY
+19.3%
Gross Margin
-
Op Margin
+23.7%
Net Debt
$288.23M
Current Ratio
0.04
As of 2026-09-16 • Updated nightlySource: Internal modelMethods & Data