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 $77.53 per share. The share price was $40.83 on November 10, 2026, 47% 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% | $56.76 | +39% |
| Base | 3.5% | 9.0% | $77.53 | +90% |
| Bull | 8.5% | 8.0% | $118.94 | +191% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $92.58 | $97.14 | $102.70 | $109.66 | $118.61 |
| 8.0% | $81.38 | $84.34 | $87.83 | $92.02 | $97.14 |
| 9.0% | $73.19 | $75.20 | $77.53 | $80.25 | $83.47 |
| 10.0% | $66.93 | $68.36 | $69.99 | $71.85 | $74.00 |
| 11.0% | $62.00 | $63.05 | $64.23 | $65.55 | $67.05 |
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