33.24 USD
+0.71 (+2.18%)
33.24 USD
0 (0%)
Taking everything into account, UVSP scores 4 out of 10 in our fundamental rating. UVSP was compared to 387 industry peers in the Banks industry. UVSP may be in some trouble as it scores bad on both profitability and health. UVSP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
UVSP had positive earnings in the past year.
UVSP had a positive operating cash flow in the past year.
Each year in the past 5 years UVSP has been profitable.
In the past 5 years UVSP always reported a positive cash flow from operatings.
1.2 Ratios
UVSP's Return On Assets of 1.01% is fine compared to the rest of the industry. UVSP outperforms 62.27% of its industry peers.
Looking at the Return On Equity, with a value of 9.32%, UVSP is in line with its industry, outperforming 56.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 9.32% | ||
| ROIC | N/A |
ROA(3y)0.98%
ROA(5y)0.99%
ROE(3y)9.03%
ROE(5y)9.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UVSP has a better Profit Margin (27.15%) than 67.44% of its industry peers.
UVSP's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for UVSP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.15% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.11%
PM growth 5Y-4.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UVSP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, UVSP has less shares outstanding
Compared to 5 years ago, UVSP has less shares outstanding
UVSP has a better debt/assets ratio than last year.
2.2 Solvency
UVSP has a debt to FCF ratio of 1.50. This is a very positive value and a sign of high solvency as it would only need 1.50 years to pay back of all of its debts.
UVSP has a Debt to FCF ratio of 1.50. This is comparable to the rest of the industry: UVSP outperforms 56.85% of its industry peers.
UVSP has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
UVSP has a Debt to Equity ratio (0.15) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UVSP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.00%, which is quite good.
Measured over the past 5 years, UVSP shows a small growth in Earnings Per Share. The EPS has been growing by 3.04% on average per year.
The Revenue has grown by 9.01% in the past year. This is quite good.
Measured over the past years, UVSP shows a small growth in Revenue. The Revenue has been growing by 4.99% on average per year.
EPS 1Y (TTM)20%
EPS 3Y-5.61%
EPS 5Y3.04%
EPS Q2Q%41.27%
Revenue 1Y (TTM)9.01%
Revenue growth 3Y3.28%
Revenue growth 5Y4.99%
Sales Q2Q%13.49%
3.2 Future
Based on estimates for the next years, UVSP will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.42% on average per year.
The Revenue is expected to grow by 6.36% on average over the next years.
EPS Next Y19.92%
EPS Next 2Y9.77%
EPS Next 3Y10.42%
EPS Next 5YN/A
Revenue Next Year9.87%
Revenue Next 2Y7.34%
Revenue Next 3Y6.36%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
UVSP is valuated reasonably with a Price/Earnings ratio of 11.08.
Compared to the rest of the industry, the Price/Earnings ratio of UVSP indicates a somewhat cheap valuation: UVSP is cheaper than 65.12% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.37, UVSP is valued rather cheaply.
The Price/Forward Earnings ratio is 10.65, which indicates a very decent valuation of UVSP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UVSP is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of UVSP to the average of the S&P500 Index (36.20), we can say UVSP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.08 | ||
| Fwd PE | 10.65 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UVSP is valued a bit cheaper than 66.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.04 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UVSP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.56
PEG (5Y)3.65
EPS Next 2Y9.77%
EPS Next 3Y10.42%
5. Dividend
5.1 Amount
UVSP has a Yearly Dividend Yield of 2.75%. Purely for dividend investing, there may be better candidates out there.
UVSP's Dividend Yield is comparable with the industry average which is at 3.15.
Compared to an average S&P500 Dividend Yield of 2.32, UVSP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
5.2 History
The dividend of UVSP has a limited annual growth rate of 1.22%.
UVSP has been paying a dividend for at least 10 years, so it has a reliable track record.
UVSP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)1.22%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
UVSP pays out 28.95% of its income as dividend. This is a sustainable payout ratio.
The dividend of UVSP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP28.95%
EPS Next 2Y9.77%
EPS Next 3Y10.42%
33.24
+0.71 (+2.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners80.12%
Inst Owner Change-1.46%
Ins Owners1.1%
Ins Owner Change-0.62%
Market Cap946.68M
Revenue(TTM)320.29M
Net Income(TTM)86.95M
Analysts45.71
Price Target33.15 (-0.27%)
Short Float %0.95%
Short Ratio2.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
Yearly Dividend0.85
Dividend Growth(5Y)1.22%
DP28.95%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.6%
Min EPS beat(2)-1.6%
Max EPS beat(2)14.81%
EPS beat(4)3
Avg EPS beat(4)10.75%
Min EPS beat(4)-1.6%
Max EPS beat(4)17.34%
EPS beat(8)7
Avg EPS beat(8)15.78%
EPS beat(12)10
Avg EPS beat(12)11.5%
EPS beat(16)12
Avg EPS beat(16)7.53%
Revenue beat(2)0
Avg Revenue beat(2)-0.11%
Min Revenue beat(2)-0.17%
Max Revenue beat(2)-0.06%
Revenue beat(4)1
Avg Revenue beat(4)0.55%
Min Revenue beat(4)-0.17%
Max Revenue beat(4)2.51%
Revenue beat(8)2
Avg Revenue beat(8)0.12%
Revenue beat(12)3
Avg Revenue beat(12)-0.77%
Revenue beat(16)4
Avg Revenue beat(16)-0.95%
PT rev (1m)0%
PT rev (3m)1.56%
EPS NQ rev (1m)1.33%
EPS NQ rev (3m)6.29%
EPS NY rev (1m)4.12%
EPS NY rev (3m)3.75%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)0.98%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.08 | ||
| Fwd PE | 10.65 | ||
| P/S | 2.96 | ||
| P/FCF | 10.04 | ||
| P/OCF | 9.57 | ||
| P/B | 1.01 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)3
EY9.03%
EPS(NY)3.12
Fwd EY9.39%
FCF(TTM)3.31
FCFY9.96%
OCF(TTM)3.47
OCFY10.45%
SpS11.25
BVpS32.77
TBVpS26.34
PEG (NY)0.56
PEG (5Y)3.65
Graham Number47.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 9.32% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.15% | ||
| GM | N/A | ||
| FCFM | 29.45% |
ROA(3y)0.98%
ROA(5y)0.99%
ROE(3y)9.03%
ROE(5y)9.14%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.11%
PM growth 5Y-4.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 82.7% | ||
| Cap/Sales | 1.42% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 108.49% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC17.18%
ROIC/WACCN/A
Cap/Depr(3y)101.75%
Cap/Depr(5y)101.99%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.75%
Profit Quality(3y)115.04%
Profit Quality(5y)110.28%
High Growth Momentum
Growth
EPS 1Y (TTM)20%
EPS 3Y-5.61%
EPS 5Y3.04%
EPS Q2Q%41.27%
EPS Next Y19.92%
EPS Next 2Y9.77%
EPS Next 3Y10.42%
EPS Next 5YN/A
Revenue 1Y (TTM)9.01%
Revenue growth 3Y3.28%
Revenue growth 5Y4.99%
Sales Q2Q%13.49%
Revenue Next Year9.87%
Revenue Next 2Y7.34%
Revenue Next 3Y6.36%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.17%
FCF growth 3Y-9.27%
FCF growth 5Y0.37%
OCF growth 1Y12.5%
OCF growth 3Y-9.79%
OCF growth 5Y0.54%
UNIVEST FINANCIAL CORP / UVSP FAQ
What is the ChartMill fundamental rating of UNIVEST FINANCIAL CORP (UVSP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to UVSP.
What is the valuation status for UVSP stock?
ChartMill assigns a valuation rating of 6 / 10 to UNIVEST FINANCIAL CORP (UVSP). This can be considered as Fairly Valued.
Can you provide the profitability details for UNIVEST FINANCIAL CORP?
UNIVEST FINANCIAL CORP (UVSP) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for UVSP stock?
The Price/Earnings (PE) ratio for UNIVEST FINANCIAL CORP (UVSP) is 11.08 and the Price/Book (PB) ratio is 1.01.
Can you provide the expected EPS growth for UVSP stock?
The Earnings per Share (EPS) of UNIVEST FINANCIAL CORP (UVSP) is expected to grow by 19.92% in the next year.