UNIVEST FINANCIAL CORP (UVSP)
US9152711001 - Common Stock
Overall UVSP gets a fundamental rating of 3 out of 10. We evaluated UVSP against 411 industry peers in the Banks industry. Both the profitability and financial health of UVSP have multiple concerns. UVSP is valued correctly, but it does not seem to be growing. UVSP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
UVSP had positive earnings in the past year.
In the past year UVSP had a positive cash flow from operations.
In the past 5 years UVSP has always been profitable.
In the past 5 years UVSP always reported a positive cash flow from operatings.
1.2 Ratios
UVSP has a Return On Assets (0.91%) which is comparable to the rest of the industry.
With a Return On Equity value of 8.47%, UVSP perfoms like the industry average, outperforming 44.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 8.47% | ||
| ROIC | N/A |
ROA(3y)1.09%
ROA(5y)1.08%
ROE(3y)10.13%
ROE(5y)9.62%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UVSP has a Profit Margin (23.96%) which is in line with its industry peers.
In the last couple of years the Profit Margin of UVSP has remained more or less at the same level.
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) | 23.96% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.96%
PM growth 5Y0.82%
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 more shares outstanding
UVSP has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, UVSP has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UVSP is 1.87, which is an excellent value as it means it would take UVSP, only 1.87 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.87, UVSP is in the better half of the industry, outperforming 60.83% of the companies in the same industry.
UVSP has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
UVSP has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.87 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UVSP shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.14%.
UVSP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.51% yearly.
UVSP shows a small growth in Revenue. In the last year, the Revenue has grown by 0.21%.
The Revenue has been growing slightly by 6.34% on average over the past years.
EPS 1Y (TTM)-7.14%
EPS 3Y14.39%
EPS 5Y7.51%
EPS growth Q2Q-31.71%
Revenue 1Y (TTM)0.21%
Revenue growth 3Y5.51%
Revenue growth 5Y6.34%
Revenue growth Q2Q-13.35%
3.2 Future
The Earnings Per Share is expected to decrease by -8.89% on average over the next years.
The Revenue is expected to grow by 1.29% on average over the next years.
EPS Next Y-17.77%
EPS Next 2Y-8.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.8%
Revenue Next 2Y1.29%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.32, the valuation of UVSP can be described as very reasonable.
72.99% of the companies in the same industry are more expensive than UVSP, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.20. UVSP is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.12, which indicates a very decent valuation of UVSP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UVSP indicates a somewhat cheap valuation: UVSP is cheaper than 63.50% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.63. UVSP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.32 | ||
| Fwd PE | 10.12 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UVSP indicates a somewhat cheap valuation: UVSP is cheaper than 68.37% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as UVSP's earnings are expected to decrease with -8.89% in the coming years.
PEG (NY)N/A
PEG (5Y)1.11
EPS Next 2Y-8.89%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.20%, UVSP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.86, UVSP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, UVSP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
5.2 History
The dividend of UVSP has a limited annual growth rate of 1.21%.
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)1.21%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
UVSP pays out 35.23% of its income as dividend. This is a sustainable payout ratio.
DP35.23%
EPS Next 2Y-8.89%
EPS Next 3YN/A
UNIVEST FINANCIAL CORP
NASDAQ:UVSP (4/25/2024, 3:20:03 PM)
After market: 20.55 0 (0%)20.55
+0.55 (+2.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap606.84M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.2% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.32 | ||
| Fwd PE | 10.12 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.11
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 8.47% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 23.96% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-7.14%
EPS 3Y14.39%
EPS 5Y
EPS growth Q2Q
EPS Next Y-17.77%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.21%
Revenue growth 3Y5.51%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y