B+
Bull case
25%
Probability
Target price
$47.00
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
UVSP
Univest FinancialBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Q3 net interest income rose 10.5% year over year and commercial deposits grew; earnings could recover if the commercial-loan charge-off proves isolated. [#SEC-8K-2026-10-29]
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +2.0.
What can break
A $14.4 million commercial-loan charge-off raises the risk of additional credit losses. [#SEC-8K-2026-10-29]
Momentum
53
Value
57
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $41.00 · Bull $47.00 · Bear $34.00Analysis 2026-10-29; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-30 • Vendor: Data Vendor v1
Scores
As of 2026-10-30 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-29 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-30
Investment thesis
As of 2026-10-30
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-30. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $45.50
Why
Momentum53 · Δ7d -5.0
Value57 · Δ7d +2.0
Sentiment58 · Δ7d +3.1
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta +2.0.
Contradictions & invalidation
- • A $14.4 million commercial-loan charge-off raises the risk of additional credit losses. [#SEC-8K-2026-10-29]
- • No verified post-earnings analyst target or forward-estimate revision was available at this T+1 review.
- • The $0.78 EPS result missed Zacks' $0.98 consensus by about 20%, while loan balances fell quarter over quarter and credit costs increased.
Catalyst clock
2026-10-29
Q3 earnings miss and credit-loss reassessment
Lead driver: Value · See fundamentals
Momentum
53
8% active weight
Current posture
7d trendSoftening
Δ7d
-5.0
Δ21d
-9.3
Value
57
47% active weight
Current posture
7d trendImproving
Δ7d
+2.0
Δ21d
+2.0
Sentiment
58
45% active weight
Current posture
7d trendFlat
Δ7d
+3.1
Δ21d
-8.4
Why this grade
Composite grade B. Momentum 53.4 / Value 57.2 / Sentiment 58.2
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-29. Scenario method
Most likely
B
Base case
45%
Probability
Target price
$41.00
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$34.00
Analysis reference price unavailable
Analysis 2026-10-29 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-30
Fundamentals (TTM)
As of 2026-10-30
Market Cap
$1.09B
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 2026-10-30 • Updated nightlySource: Internal modelMethods & Data