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UNIVEST FINANCIAL CORP (UVSP) Stock Fundamental Analysis

NASDAQ:UVSP - Nasdaq - US9152711001 - Common Stock

29.66  -0.49 (-1.63%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to UVSP. UVSP was compared to 405 industry peers in the Banks industry. UVSP has a medium profitability rating, but doesn't score so well on its financial health evaluation. UVSP has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

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.
UVSP had positive earnings in each of the past 5 years.
In the past 5 years UVSP always reported a positive cash flow from operatings.
UVSP Yearly Net Income VS EBIT VS OCF VS FCFUVSP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

1.2 Ratios

With a decent Return On Assets value of 0.89%, UVSP is doing good in the industry, outperforming 61.56% of the companies in the same industry.
UVSP has a Return On Equity (8.35%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.89%
ROE 8.35%
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
UVSP Yearly ROA, ROE, ROICUVSP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

UVSP's Profit Margin of 24.93% is fine compared to the rest of the industry. UVSP outperforms 62.06% of its industry peers.
UVSP's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for UVSP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.93%
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
UVSP Yearly Profit, Operating, Gross MarginsUVSP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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2

2. Health

2.1 Basic Checks

UVSP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for UVSP has been increased compared to 1 year ago.
The number of shares outstanding for UVSP has been increased compared to 5 years ago.
The debt/assets ratio for UVSP has been reduced compared to a year ago.
UVSP Yearly Shares OutstandingUVSP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
UVSP Yearly Total Debt VS Total AssetsUVSP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of UVSP is 2.22, which is a good value as it means it would take UVSP, 2.22 years of fcf income to pay off all of its debts.
UVSP has a Debt to FCF ratio of 2.22. This is comparable to the rest of the industry: UVSP outperforms 57.29% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that UVSP is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.18, UVSP is in line with its industry, outperforming 53.77% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.22
Altman-Z N/A
ROIC/WACCN/A
WACC14.6%
UVSP Yearly LT Debt VS Equity VS FCFUVSP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UVSP Yearly Current Assets VS Current LiabilitesUVSP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

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2

3. Growth

3.1 Past

The earnings per share for UVSP have decreased by -8.42% in the last year.
Measured over the past 5 years, UVSP shows a small growth in Earnings Per Share. The EPS has been growing by 7.51% on average per year.
UVSP shows a decrease in Revenue. In the last year, the revenue decreased by -4.55%.
UVSP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.34% yearly.
EPS 1Y (TTM)-8.42%
EPS 3Y14.39%
EPS 5Y7.51%
EPS Q2Q%8.62%
Revenue 1Y (TTM)-4.55%
Revenue growth 3Y5.51%
Revenue growth 5Y6.34%
Sales Q2Q%1.48%

3.2 Future

Based on estimates for the next years, UVSP will show a small growth in Earnings Per Share. The EPS will grow by 3.95% on average per year.
Based on estimates for the next years, UVSP will show a small growth in Revenue. The Revenue will grow by 3.56% on average per year.
EPS Next Y3.93%
EPS Next 2Y-2.06%
EPS Next 3Y3.95%
EPS Next 5YN/A
Revenue Next Year-0.82%
Revenue Next 2Y1.63%
Revenue Next 3Y3.56%
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 decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
UVSP Yearly Revenue VS EstimatesUVSP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
UVSP Yearly EPS VS EstimatesUVSP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.86, which indicates a very decent valuation of UVSP.
UVSP's Price/Earnings ratio is a bit cheaper when compared to the industry. UVSP is cheaper than 65.33% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. UVSP is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 12.52 indicates a correct 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.
The average S&P500 Price/Forward Earnings ratio is at 24.44. UVSP is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 11.86
Fwd PE 12.52
UVSP Price Earnings VS Forward Price EarningsUVSP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as UVSP.
Industry RankSector Rank
P/FCF 12.15
EV/EBITDA N/A
UVSP Per share dataUVSP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UVSP does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.02
PEG (5Y)1.58
EPS Next 2Y-2.06%
EPS Next 3Y3.95%

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6

5. Dividend

5.1 Amount

UVSP has a Yearly Dividend Yield of 2.86%.
UVSP's Dividend Yield is comparable with the industry average which is at 3.22.
Compared to an average S&P500 Dividend Yield of 2.28, UVSP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.86%

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 Years4
UVSP Yearly Dividends per shareUVSP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8

5.3 Sustainability

33.99% of the earnings are spent on dividend by UVSP. This is a low number and sustainable payout ratio.
The dividend of UVSP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.99%
EPS Next 2Y-2.06%
EPS Next 3Y3.95%
UVSP Yearly Income VS Free CF VS DividendUVSP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M
UVSP Dividend Payout.UVSP Dividend Payout, showing the Payout Ratio.UVSP Dividend Payout.PayoutRetained Earnings

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UNIVEST FINANCIAL CORP

NASDAQ:UVSP (1/22/2025, 11:45:36 AM)

29.66

-0.49 (-1.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2024-10-23/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners76.04%
Inst Owner Change-0.52%
Ins Owners0.99%
Ins Owner Change0.09%
Market Cap861.33M
Analysts47.5
Price Target32.3 (8.9%)
Short Float %1.04%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield 2.86%
Yearly Dividend0.85
Dividend Growth(5Y)1.21%
DP33.99%
Div Incr Years3
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.17%
Min EPS beat(2)14.38%
Max EPS beat(2)19.97%
EPS beat(4)4
Avg EPS beat(4)20.8%
Min EPS beat(4)14.38%
Max EPS beat(4)32.04%
EPS beat(8)7
Avg EPS beat(8)11.88%
EPS beat(12)9
Avg EPS beat(12)6.46%
EPS beat(16)13
Avg EPS beat(16)15.5%
Revenue beat(2)0
Avg Revenue beat(2)-2.06%
Min Revenue beat(2)-2.36%
Max Revenue beat(2)-1.75%
Revenue beat(4)1
Avg Revenue beat(4)-0.31%
Min Revenue beat(4)-2.36%
Max Revenue beat(4)4.64%
Revenue beat(8)2
Avg Revenue beat(8)-1.43%
Revenue beat(12)3
Avg Revenue beat(12)-1.46%
Revenue beat(16)6
Avg Revenue beat(16)-0.52%
PT rev (1m)12.43%
PT rev (3m)14.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.87%
EPS NY rev (1m)0%
EPS NY rev (3m)5.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.15%
Valuation
Industry RankSector Rank
PE 11.86
Fwd PE 12.52
P/S 2.93
P/FCF 12.15
P/OCF 11.5
P/B 0.98
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)2.5
EY8.43%
EPS(NY)2.37
Fwd EY7.99%
FCF(TTM)2.44
FCFY8.23%
OCF(TTM)2.58
OCFY8.7%
SpS10.12
BVpS30.2
TBVpS23.91
PEG (NY)3.02
PEG (5Y)1.58
Profitability
Industry RankSector Rank
ROA 0.89%
ROE 8.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.93%
GM N/A
FCFM 24.14%
ROA(3y)1.09%
ROA(5y)1.08%
ROE(3y)10.13%
ROE(5y)9.62%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2.22
Debt/EBITDA N/A
Cap/Depr 74.56%
Cap/Sales 1.36%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.6%
ROIC/WACCN/A
Cap/Depr(3y)124.68%
Cap/Depr(5y)99.7%
Cap/Sales(3y)2.06%
Cap/Sales(5y)1.74%
Profit Quality(3y)118.44%
Profit Quality(5y)110.43%
High Growth Momentum
Growth
EPS 1Y (TTM)-8.42%
EPS 3Y14.39%
EPS 5Y7.51%
EPS Q2Q%8.62%
EPS Next Y3.93%
EPS Next 2Y-2.06%
EPS Next 3Y3.95%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.55%
Revenue growth 3Y5.51%
Revenue growth 5Y6.34%
Sales Q2Q%1.48%
Revenue Next Year-0.82%
Revenue Next 2Y1.63%
Revenue Next 3Y3.56%
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 1Y-37.74%
FCF growth 3Y20.54%
FCF growth 5Y0.03%
OCF growth 1Y-37.74%
OCF growth 3Y20.57%
OCF growth 5Y0.86%