Profitability
Weight: 25%
B-
66
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 61.9%
- Efficiency Ratio Trend -1.03 pp/yr
UVSP
Univest Financial Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
63
- 5yr Avg ROE 9.7%
- 5yr Share-Count CAGR -0.4%
Growth Quality
Weight: 15%
A
89
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 12.9%
- Efficiency Ratio Trend (growth quality check) -1.03 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
D+
39
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.07
Balance Sheet
Weight: 20%
A-
84
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 11.2%
Stability
Weight: 10%
B
71
- EPS Volatility (σ/μ) 0.35
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added; 1 trimmed.
- Holders
- 2
- Avg Δ position
- +46.4%
- New buys
- 0
- Full exits
- 0