Is Univest Financial Corp. overvalued or undervalued?

As of 23 July 2025, the valuation grade for Univest Financial Corp. has moved from very attractive to attractive, indicating a shift in perception. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E ratio of 12, a Price to Book Value of 1.01, and an EV to EBIT of 11.22. In comparison, Coastal Financial Corp. has a significantly higher P/E of 35.43, while Community Trust Bancorp, Inc. stands at a more favorable P/E of 11.50.
In terms of recent performance, Univest Financial Corp. has returned 11.42% over the past year, which is notably lower than the S&P 500's 17.14% return, suggesting it may be lagging behind the broader market. Overall, the company's valuation metrics and peer comparisons indicate that it is fairly valued in the current market environment.