Basis: FMP quote price / unrounded diluted EPS from four consecutive issuer fiscal quarters. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the P/E ratio high or low?
The P/E ratio of 11.95 is 20% above its 5-year average of 9.96, near the high end of its 5-year range (5.79–13.54).
As of 2026-10-06T19:18:52.348Z. 3.30% above its 12-month average of 11.57.
Calculation as of: 2026-10-06T19:18:52.348Z.
Quote observation: 2026-10-06T19:15:05.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: 99af3901628ee8dcda9b5ea163b4da2f44e11b398469a5eb5e03a2a3374d1467
PE Ratio (11.95) = Close Price ($41.48) / Diluted TTM EPS ($3.47)
PE RATIO
11.95
PE RATIO AVG TTM
11.57
PE RATIO AVG 3Y
10.72
PE RATIO AVG 5Y
9.96
PE RATIO AVG 10Y
12.15
PE RATIO AVG 15Y
12.80
PE RATIO AVG 20Y
13.23
CURRENT VS TTM AVG
+3.30%
CURRENT VS 3Y AVG
+11.43%
CURRENT VS 5Y AVG
+19.93%
CURRENT VS 10Y AVG
-1.65%
CURRENT VS 15Y AVG
-6.66%
CURRENT VS 20Y AVG
-9.65%
SECTOR MEDIAN · FINANCIAL SERVICES
13.82
median of 554 covered companies
CURRENT VS SECTOR MEDIAN
-13.56%
vs the sector median at left
Univest Financial Corporation
Market Cap
$1.14B
PE Ratio
11.95
TTM Avg
11.57
3Y Avg
10.72
5Y Avg
9.96
Market Cap
$1.14B
PE Ratio
13.14
TTM Avg
14.40
3Y Avg
15.02
5Y Avg
12.99
Market Cap
$1.07B
PE Ratio
10.03
TTM Avg
9.08
3Y Avg
7.68
5Y Avg
7.27
Market Cap
$1.23B
PE Ratio
N/A
TTM Avg
3.54
3Y Avg
3.54
5Y Avg
3.54
Market Cap
$1.05B
PE Ratio
N/A
TTM Avg
15.67
3Y Avg
13.93
5Y Avg
17.62
| NAME | MARKET CAP | PE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Univest Financial Corporation (UVSP) | $1.14B | 11.95 | 11.57 | 10.72 | 9.96 |
| Heritage Financial Corporation (HFWA)vs › | $1.14B | 13.14 | 14.40 | 15.02 | 12.99 |
| Trupanion, Inc. (TRUP)vs › | $1.07B | 46.21 | 73.97 | 88.09 | 88.09 |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.07B | 10.03 | 9.08 | 7.68 | 7.27 |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.23B | N/A | 3.54 | 3.54 | 3.54 |
| Preferred Bank (PFBC)vs › | $1.24B | 9.55 | 9.19 | 8.45 | 8.66 |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | N/A | 15.67 | 13.93 | 17.62 |
| Five Star Bancorp (FSBC)vs › | $1.05B | 12.86 | 13.82 | 11.90 | 11.16 |
| Northeast Bank (NBN)vs › | $1.04B | 9.88 | 10.14 | 9.57 | 8.28 |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.03B | 24.26 | 27.69 | 28.76 | 45.88 |
At 11.9, P/E is below its 20-year median — higher than 34% of readings in its 20-year history.
20-year low
5.8
median
14.0
20-year high
34.0
Trailing P/E
11.9
Forward P/E
10.9
Forward P/E is calculated using analyst consensus EPS estimates for the current or next fiscal year.
Calculation:
Current Price
$41.48
Forward EPS (Est.)
$3.81
Forward P/E
10.90
Source: FMP Analyst Consensus Estimates. Forward EPS represents the average analyst estimate for the nearest fiscal year.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | PE RATIO |
|---|---|
| 2026-10-05 | 12.00 |
| 2026-10-02 | 12.05 |
| 2026-10-01 | 11.88 |
| 2026-09-30 | 11.81 |
| 2026-09-29 | 11.88 |
| 2026-09-28 | 11.99 |
| 2026-09-25 | 12.15 |
| 2026-09-24 | 12.04 |
| 2026-09-23 | 11.93 |
| 2026-09-22 | 12.06 |
| 2026-09-21 | 12.15 |
| 2026-09-18 | 12.24 |
| 2026-09-17 | 12.26 |
| 2026-09-16 | 12.30 |
| 2026-09-15 | 12.32 |
| 2026-09-14 | 12.36 |
| 2026-09-11 | 12.30 |
| 2026-09-10 | 12.27 |
| 2026-09-09 | 12.17 |
| 2026-09-08 | 12.13 |
| 2026-09-04 | 12.20 |
| 2026-09-03 | 12.12 |
| 2026-09-02 | 12.00 |
| 2026-09-01 | 11.84 |
| 2026-08-31 | 11.97 |
| 2026-08-28 | 11.98 |
| 2026-08-27 | 12.01 |
| 2026-08-26 | 12.01 |
| 2026-08-25 | 11.96 |
| 2026-08-24 | 12.04 |
| 2026-08-21 | 11.99 |
| 2026-08-20 | 12.03 |
| 2026-08-19 | 12.01 |
| 2026-08-18 | 12.38 |
| 2026-08-17 | 12.41 |
| 2026-08-14 | 12.44 |
| 2026-08-13 | 12.38 |
| 2026-08-12 | 12.37 |
| 2026-08-11 | 12.31 |
| 2026-08-10 | 12.16 |
| 2026-08-07 | 12.35 |
| 2026-08-06 | 12.61 |
| 2026-08-05 | 12.76 |
| 2026-08-04 | 12.93 |
| 2026-08-03 | 12.82 |
| 2026-07-31 | 12.75 |
| 2026-07-30 | 12.80 |
| 2026-07-29 | 12.86 |
| 2026-07-28 | 13.47 |
| 2026-07-27 | 13.24 |
| 2026-07-24 | 13.20 |
| 2026-07-23 | 13.23 |
| 2026-07-22 | 13.11 |
| 2026-07-21 | 13.30 |
| 2026-07-20 | 13.19 |
| 2026-07-17 | 13.35 |
| 2026-07-16 | 13.54 |
| 2026-07-15 | 13.20 |
| 2026-07-14 | 13.02 |
| 2026-07-13 | 13.08 |
| 2026-07-10 | 13.01 |
| 2026-07-09 | 13.13 |
| 2026-07-08 | 12.93 |
| 2026-07-07 | 13.08 |
| 2026-07-06 | 13.24 |
| 2026-07-02 | 13.21 |
| 2026-07-01 | 13.52 |
| 2026-06-30 | 13.10 |
| 2026-06-29 | 13.23 |
| 2026-06-26 | 13.29 |
| 2026-06-25 | 13.02 |
| 2026-06-24 | 12.99 |
| 2026-06-23 | 12.84 |
| 2026-06-22 | 12.61 |
| 2026-06-18 | 12.47 |
| 2026-06-17 | 12.42 |
| 2026-06-16 | 12.52 |
| 2026-06-15 | 12.54 |
| 2026-06-12 | 12.75 |
| 2026-06-11 | 12.58 |
| 2026-06-10 | 12.51 |
| 2026-06-09 | 12.34 |
| 2026-06-08 | 12.25 |
| 2026-06-05 | 12.15 |
| 2026-06-04 | 12.07 |
| 2026-06-03 | 11.69 |
| 2026-06-02 | 11.94 |
| 2026-06-01 | 11.70 |
| 2026-05-29 | 11.81 |
| 2026-05-28 | 11.79 |
| 2026-05-27 | 11.80 |
| 2026-05-26 | 11.94 |
| 2026-05-22 | 11.77 |
| 2026-05-21 | 11.77 |
| 2026-05-20 | 11.68 |
| 2026-05-19 | 11.50 |
| 2026-05-18 | 11.55 |
| 2026-05-15 | 11.27 |
| 2026-05-14 | 11.41 |
| 2026-05-13 | 11.31 |
| 2026-05-12 | 11.41 |
| 2026-05-11 | 11.46 |
| 2026-05-08 | 11.64 |
| 2026-05-07 | 11.56 |
| 2026-05-06 | 11.60 |
| 2026-05-05 | 11.61 |
| 2026-05-04 | 11.43 |
| 2026-05-01 | 11.48 |
| 2026-04-30 | 11.37 |
| 2026-04-29 | 11.27 |
| 2026-04-28 | 12.15 |
| 2026-04-27 | 11.98 |
| 2026-04-24 | 11.93 |
| 2026-04-23 | 11.91 |
| 2026-04-22 | 11.66 |
| 2026-04-21 | 11.64 |
| 2026-04-20 | 11.83 |
| 2026-04-17 | 11.93 |
| 2026-04-16 | 11.63 |
| 2026-04-15 | 11.65 |
| 2026-04-14 | 11.81 |
| 2026-04-13 | 11.79 |
| 2026-04-10 | 11.78 |
| 2026-04-09 | 11.94 |
| 2026-04-08 | 11.69 |
| 2026-04-07 | 11.36 |
| 2026-04-06 | 11.23 |
| 2026-04-02 | 11.12 |
| 2026-04-01 | 11.05 |
| 2026-03-31 | 10.88 |
| 2026-03-30 | 10.74 |
| 2026-03-27 | 10.64 |
| 2026-03-26 | 10.79 |
| 2026-03-25 | 10.70 |
| 2026-03-24 | 10.73 |
| 2026-03-23 | 10.73 |
| 2026-03-20 | 10.46 |
| 2026-03-19 | 10.49 |
| 2026-03-18 | 10.32 |
| 2026-03-17 | 10.43 |
| 2026-03-16 | 10.51 |
| 2026-03-13 | 10.39 |
| 2026-03-12 | 10.40 |
| 2026-03-11 | 10.44 |
| 2026-03-10 | 10.56 |
| 2026-03-09 | 10.55 |
| 2026-03-06 | 10.50 |
| 2026-03-05 | 10.69 |
| 2026-03-04 | 10.89 |
| 2026-03-03 | 10.82 |
| 2026-03-02 | 10.82 |
| 2026-02-27 | 10.65 |
| 2026-02-26 | 11.13 |
| 2026-02-25 | 11.13 |
| 2026-02-24 | 10.79 |
| 2026-02-23 | 11.27 |
| 2026-02-20 | 11.76 |
| 2026-02-19 | 11.73 |
| 2026-02-18 | 11.74 |
| 2026-02-17 | 11.86 |
| 2026-02-13 | 11.65 |
| 2026-02-12 | 11.50 |
| 2026-02-11 | 11.56 |
| 2026-02-10 | 11.63 |
| 2026-02-09 | 11.79 |
| 2026-02-06 | 11.94 |
| 2026-02-05 | 11.82 |
| 2026-02-04 | 11.81 |
| 2026-02-03 | 11.77 |
| 2026-02-02 | 11.46 |
| 2026-01-30 | 11.05 |
| 2026-01-29 | 10.91 |
| 2026-01-28 | 11.14 |
| 2026-01-27 | 11.16 |
| 2026-01-26 | 11.15 |
| 2026-01-23 | 11.15 |
| 2026-01-22 | 11.58 |
| 2026-01-21 | 11.58 |
| 2026-01-20 | 10.96 |
| 2026-01-16 | 11.17 |
| 2026-01-15 | 11.18 |
| 2026-01-14 | 10.92 |
| 2026-01-13 | 10.95 |
| 2026-01-12 | 10.87 |
| 2026-01-09 | 10.96 |
| 2026-01-08 | 11.10 |
| 2026-01-07 | 10.87 |
| 2026-01-06 | 10.95 |
| 2026-01-05 | 10.95 |
| 2026-01-02 | 10.76 |
| 2025-12-31 | 10.91 |
| 2025-12-30 | 10.99 |
| 2025-12-29 | 11.09 |
| 2025-12-26 | 11.12 |
| 2025-12-24 | 11.19 |
| 2025-12-23 | 11.18 |
| 2025-12-22 | 11.32 |
| 2025-12-19 | 11.37 |
| 2025-12-18 | 11.58 |
| 2025-12-17 | 11.44 |
| 2025-12-16 | 11.54 |
| 2025-12-15 | 11.63 |
| 2025-12-12 | 11.63 |
| 2025-12-11 | 11.82 |
| 2025-12-10 | 11.62 |
| 2025-12-09 | 11.17 |
| 2025-12-08 | 11.11 |
| 2025-12-05 | 11.15 |
| 2025-12-04 | 11.15 |
| 2025-12-03 | 11.08 |
| 2025-12-02 | 10.84 |
| 2025-12-01 | 10.82 |
| 2025-11-28 | 10.60 |
| 2025-11-26 | 10.65 |
| 2025-11-25 | 10.78 |
| 2025-11-24 | 10.42 |
| 2025-11-21 | 10.45 |
| 2025-11-20 | 10.08 |
| 2025-11-19 | 10.05 |
| 2025-11-18 | 9.97 |
| 2025-11-17 | 9.98 |
| 2025-11-14 | 10.25 |
| 2025-11-13 | 10.21 |
| 2025-11-12 | 10.26 |
| 2025-11-11 | 10.20 |
| 2025-11-10 | 10.18 |
| 2025-11-07 | 9.85 |
| 2025-11-06 | 9.81 |
| 2025-11-05 | 9.85 |
| 2025-11-04 | 9.78 |
| 2025-11-03 | 9.82 |
| 2025-10-31 | 9.79 |
| 2025-10-30 | 9.89 |
| 2025-10-29 | 9.88 |
| 2025-10-28 | 10.11 |
| 2025-10-27 | 10.09 |
| 2025-10-24 | 11.30 |
| 2025-10-23 | 10.84 |
| 2025-10-22 | 10.89 |
| 2025-10-21 | 10.75 |
| 2025-10-20 | 10.72 |
| 2025-10-17 | 10.43 |
| 2025-10-16 | 10.33 |
| 2025-10-15 | 10.80 |
| 2025-10-14 | 10.98 |
| 2025-10-13 | 10.61 |
| 2025-10-10 | 10.42 |
| 2025-10-09 | 10.78 |
| 2025-10-08 | 10.89 |
| 2025-10-07 | 10.95 |
| 2025-10-06 | 11.14 |
| 2025-10-03 | 10.89 |
| 2025-10-02 | 10.79 |
| 2025-10-01 | 10.85 |
| 2025-09-30 | 10.96 |
| 2025-09-29 | 11.01 |
| 2025-09-26 | 11.18 |
| 2025-09-25 | 11.15 |
| 2025-09-24 | 11.20 |
| 2025-09-23 | 11.24 |
Showing the most recent 260 of 5,030 data points. The chart above shows the full history.