Is Univest Financial Corp. overvalued or undervalued?

As of 23 April 2025, the valuation grade for Univest Financial Corp. has moved from fair to very attractive, indicating a significant positive shift in its valuation outlook. The company is currently considered undervalued. Key ratios include a P/E ratio of 12, a Price to Book Value of 1.01, and an EV to EBITDA of 10.52, which suggest that the company is trading at a reasonable valuation compared to its earnings and asset base.
In comparison to its peers, Univest Financial Corp. has a lower P/E ratio than Coastal Financial Corp., which is very expensive at 25.69, and a more favorable PEG ratio of 1.07 compared to Premier Financial Corp. at 14.14. Additionally, Community Trust Bancorp, Inc. is also very attractive with a P/E of 10.47, further supporting the notion that Univest is positioned well within its competitive landscape. Notably, Univest has outperformed the S&P 500 over the past year, with a stock return of 41.90% compared to the index's 10.26%, reinforcing its undervalued status.