What is UNIVEST FINANCIAL Corp worth?
With the base-case assumptions below, a discounted cash flow model on UNIVEST FINANCIAL Corp's reported free cash flow gives $62.70 per share. The share price was $42.16 on September 25, 2026, 33% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -1.5% | 10.0% | $41.93 | -1% |
| Base | 3.5% | 9.0% | $62.70 | +49% |
| Bull | 8.5% | 8.0% | $104.11 | +147% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $77.75 | $82.31 | $87.87 | $94.83 | $103.78 |
| 8.0% | $66.55 | $69.51 | $73.00 | $77.19 | $82.31 |
| 9.0% | $58.35 | $60.37 | $62.70 | $65.42 | $68.64 |
| 10.0% | $52.10 | $53.53 | $55.16 | $57.02 | $59.17 |
| 11.0% | $47.17 | $48.22 | $49.40 | $50.72 | $52.22 |
Where the presets come from
Base: years 1 to 5 grow at UNIVEST FINANCIAL Corp's revenue growth rate over the last 3 fiscal years (3.5% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions