UVSP

Univest FinancialB

Nasdaq / Banks

At close

2026-08-01

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

Constructive

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta -1.6.

What can break

A $28.6 million commercial relationship entered non-accrual status and required a $9.8 million specific reserve.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $44.00 · Bull $48.00 · Bear $38.00

Data freshness

Prices

As of 2026-08-01

Fundamentals

As of 2026-07-31 • Vendor: Data Vendor v1

Scores

As of 2026-08-01 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-27 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-08-01

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $45.33

Why

Momentum62 · Δ7d -1.1

Value54 · Δ7d +0.2

Sentiment49 · Δ7d -1.6

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Sentiment · See AI snapshot

Momentum

10% active weight

Current posture

7d trendImproving

Δ7d

-1.1

Δ21d

-6.4

Value

40% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+0.0

Sentiment

49% active weight

Current posture

7d trendSoftening

Δ7d

-1.6

Δ21d

Why this grade

Composite grade B. Momentum 61.9 / Value 54.1 / Sentiment 49.5

Fundamentals (TTM)

As of 2026-07-31

Market Cap

$1.22B

Beta

0.68

Shares Out

27.58M

P/E (TTM)

11.0

P/S (TTM)

2.92

P/FCF (TTM)

13.53

Rev YoY

+3.5%

EPS YoY

+25.1%

Gross Margin

Op Margin

+33.8%

Net Debt

$288.23M

Current Ratio

0.04

As of 2026-08-01 • Updated nightlySource: Internal modelMethodology