Financhill
Buy
55

UVSP Quote, Financials, Valuation and Earnings

Last price:
$31.94
Seasonality move :
2.57%
Day range:
$30.93 - $31.64
52-week range:
$22.83 - $32.86
Dividend yield:
2.7%
P/E ratio:
11.80x
P/S ratio:
3.07x
P/B ratio:
1.01x
Volume:
157.9K
Avg. volume:
110.1K
1-year change:
18.64%
Market cap:
$909.7M
Revenue:
$299.2M
EPS (TTM):
$2.67

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
UVSP
Univest Financial
$79.5M $0.68 10.41% 10.22% $31.67
BHB
Bar Harbor Bankshares
$39.3M $0.69 5.12% 4.48% $32.50
CZFS
Citizens Financial Services
$22.2M $1.60 -- 45.95% $64.00
CZNC
Citizens & Northern
$27.7M $0.47 3.26% 17.5% $21.00
QCRH
QCR Holdings
$94.8M $1.59 9.97% -6.4% $84.80
SBFG
SB Financial Group
$11.8M $0.54 -15.98% 14.89% $23.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
UVSP
Univest Financial
$31.50 $31.67 $909.7M 11.80x $0.22 2.7% 3.07x
BHB
Bar Harbor Bankshares
$31.26 $32.50 $479M 10.95x $0.32 3.9% 3.18x
CZFS
Citizens Financial Services
$61.04 $64.00 $293.4M 10.31x $0.50 3.2% 2.86x
CZNC
Citizens & Northern
$19.74 $21.00 $305.9M 11.28x $0.28 5.67% 2.80x
QCRH
QCR Holdings
$73.54 $84.80 $1.2B 11.06x $0.06 0.33% 3.76x
SBFG
SB Financial Group
$19.25 $23.00 $125.6M 11.32x $0.15 3.01% 2.15x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UVSP
Univest Financial
26.42% 1.080 39.49% 101.70x
BHB
Bar Harbor Bankshares
33.99% 1.164 53.25% 2.04x
CZFS
Citizens Financial Services
49.49% 1.636 109.31% 30.65x
CZNC
Citizens & Northern
40.8% 0.972 62.34% 932.54x
QCRH
QCR Holdings
29.5% 1.279 35.46% 187.48x
SBFG
SB Financial Group
29.37% 1.109 40.23% 20.56x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
UVSP
Univest Financial
-- -- 6.26% 8.94% 93.68% $13.7M
BHB
Bar Harbor Bankshares
-- -- 6.14% 9.66% 83.74% $7.8M
CZFS
Citizens Financial Services
-- -- 4.89% 9.63% 96.06% $10.4M
CZNC
Citizens & Northern
-- -- 5.48% 9.91% 73.09% $1M
QCRH
QCR Holdings
-- -- 7.29% 11.66% 110.95% -$12.7M
SBFG
SB Financial Group
-- -- 6.16% 8.78% 56.43% $5.8M

Univest Financial vs. Competitors

  • Which has Higher Returns UVSP or BHB?

    Bar Harbor Bankshares has a net margin of 28.28% compared to Univest Financial's net margin of 27.38%. Univest Financial's return on equity of 8.94% beat Bar Harbor Bankshares's return on equity of 9.66%.

    Company Gross Margin Earnings Per Share Invested Capital
    UVSP
    Univest Financial
    -- $0.77 $1.2B
    BHB
    Bar Harbor Bankshares
    -- $0.66 $707.9M
  • What do Analysts Say About UVSP or BHB?

    Univest Financial has a consensus price target of $31.67, signalling upside risk potential of 0.53%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $32.50 which suggests that it could grow by 3.97%. Given that Bar Harbor Bankshares has higher upside potential than Univest Financial, analysts believe Bar Harbor Bankshares is more attractive than Univest Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    UVSP
    Univest Financial
    0 3 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is UVSP or BHB More Risky?

    Univest Financial has a beta of 0.735, which suggesting that the stock is 26.539% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.645, suggesting its less volatile than the S&P 500 by 35.494%.

  • Which is a Better Dividend Stock UVSP or BHB?

    Univest Financial has a quarterly dividend of $0.22 per share corresponding to a yield of 2.7%. Bar Harbor Bankshares offers a yield of 3.9% to investors and pays a quarterly dividend of $0.32 per share. Univest Financial pays 32.72% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UVSP or BHB?

    Univest Financial quarterly revenues are $79.2M, which are larger than Bar Harbor Bankshares quarterly revenues of $37.3M. Univest Financial's net income of $22.4M is higher than Bar Harbor Bankshares's net income of $10.2M. Notably, Univest Financial's price-to-earnings ratio is 11.80x while Bar Harbor Bankshares's PE ratio is 10.95x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Univest Financial is 3.07x versus 3.18x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UVSP
    Univest Financial
    3.07x 11.80x $79.2M $22.4M
    BHB
    Bar Harbor Bankshares
    3.18x 10.95x $37.3M $10.2M
  • Which has Higher Returns UVSP or CZFS?

    Citizens Financial Services has a net margin of 28.28% compared to Univest Financial's net margin of 28.84%. Univest Financial's return on equity of 8.94% beat Citizens Financial Services's return on equity of 9.63%.

    Company Gross Margin Earnings Per Share Invested Capital
    UVSP
    Univest Financial
    -- $0.77 $1.2B
    CZFS
    Citizens Financial Services
    -- $1.58 $610.3M
  • What do Analysts Say About UVSP or CZFS?

    Univest Financial has a consensus price target of $31.67, signalling upside risk potential of 0.53%. On the other hand Citizens Financial Services has an analysts' consensus of $64.00 which suggests that it could grow by 4.85%. Given that Citizens Financial Services has higher upside potential than Univest Financial, analysts believe Citizens Financial Services is more attractive than Univest Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    UVSP
    Univest Financial
    0 3 0
    CZFS
    Citizens Financial Services
    1 0 0
  • Is UVSP or CZFS More Risky?

    Univest Financial has a beta of 0.735, which suggesting that the stock is 26.539% less volatile than S&P 500. In comparison Citizens Financial Services has a beta of 0.445, suggesting its less volatile than the S&P 500 by 55.5%.

  • Which is a Better Dividend Stock UVSP or CZFS?

    Univest Financial has a quarterly dividend of $0.22 per share corresponding to a yield of 2.7%. Citizens Financial Services offers a yield of 3.2% to investors and pays a quarterly dividend of $0.50 per share. Univest Financial pays 32.72% of its earnings as a dividend. Citizens Financial Services pays out 33.44% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UVSP or CZFS?

    Univest Financial quarterly revenues are $79.2M, which are larger than Citizens Financial Services quarterly revenues of $26.4M. Univest Financial's net income of $22.4M is higher than Citizens Financial Services's net income of $7.6M. Notably, Univest Financial's price-to-earnings ratio is 11.80x while Citizens Financial Services's PE ratio is 10.31x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Univest Financial is 3.07x versus 2.86x for Citizens Financial Services. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UVSP
    Univest Financial
    3.07x 11.80x $79.2M $22.4M
    CZFS
    Citizens Financial Services
    2.86x 10.31x $26.4M $7.6M
  • Which has Higher Returns UVSP or CZNC?

    Citizens & Northern has a net margin of 28.28% compared to Univest Financial's net margin of 23.66%. Univest Financial's return on equity of 8.94% beat Citizens & Northern's return on equity of 9.91%.

    Company Gross Margin Earnings Per Share Invested Capital
    UVSP
    Univest Financial
    -- $0.77 $1.2B
    CZNC
    Citizens & Northern
    -- $0.41 $476M
  • What do Analysts Say About UVSP or CZNC?

    Univest Financial has a consensus price target of $31.67, signalling upside risk potential of 0.53%. On the other hand Citizens & Northern has an analysts' consensus of $21.00 which suggests that it could grow by 6.38%. Given that Citizens & Northern has higher upside potential than Univest Financial, analysts believe Citizens & Northern is more attractive than Univest Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    UVSP
    Univest Financial
    0 3 0
    CZNC
    Citizens & Northern
    0 2 0
  • Is UVSP or CZNC More Risky?

    Univest Financial has a beta of 0.735, which suggesting that the stock is 26.539% less volatile than S&P 500. In comparison Citizens & Northern has a beta of 0.493, suggesting its less volatile than the S&P 500 by 50.694%.

  • Which is a Better Dividend Stock UVSP or CZNC?

    Univest Financial has a quarterly dividend of $0.22 per share corresponding to a yield of 2.7%. Citizens & Northern offers a yield of 5.67% to investors and pays a quarterly dividend of $0.28 per share. Univest Financial pays 32.72% of its earnings as a dividend. Citizens & Northern pays out 59.83% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UVSP or CZNC?

    Univest Financial quarterly revenues are $79.2M, which are larger than Citizens & Northern quarterly revenues of $26.6M. Univest Financial's net income of $22.4M is higher than Citizens & Northern's net income of $6.3M. Notably, Univest Financial's price-to-earnings ratio is 11.80x while Citizens & Northern's PE ratio is 11.28x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Univest Financial is 3.07x versus 2.80x for Citizens & Northern. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UVSP
    Univest Financial
    3.07x 11.80x $79.2M $22.4M
    CZNC
    Citizens & Northern
    2.80x 11.28x $26.6M $6.3M
  • Which has Higher Returns UVSP or QCRH?

    QCR Holdings has a net margin of 28.28% compared to Univest Financial's net margin of 34.57%. Univest Financial's return on equity of 8.94% beat QCR Holdings's return on equity of 11.66%.

    Company Gross Margin Earnings Per Share Invested Capital
    UVSP
    Univest Financial
    -- $0.77 $1.2B
    QCRH
    QCR Holdings
    -- $1.52 $1.5B
  • What do Analysts Say About UVSP or QCRH?

    Univest Financial has a consensus price target of $31.67, signalling upside risk potential of 0.53%. On the other hand QCR Holdings has an analysts' consensus of $84.80 which suggests that it could grow by 15.31%. Given that QCR Holdings has higher upside potential than Univest Financial, analysts believe QCR Holdings is more attractive than Univest Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    UVSP
    Univest Financial
    0 3 0
    QCRH
    QCR Holdings
    2 0 0
  • Is UVSP or QCRH More Risky?

    Univest Financial has a beta of 0.735, which suggesting that the stock is 26.539% less volatile than S&P 500. In comparison QCR Holdings has a beta of 0.800, suggesting its less volatile than the S&P 500 by 19.996%.

  • Which is a Better Dividend Stock UVSP or QCRH?

    Univest Financial has a quarterly dividend of $0.22 per share corresponding to a yield of 2.7%. QCR Holdings offers a yield of 0.33% to investors and pays a quarterly dividend of $0.06 per share. Univest Financial pays 32.72% of its earnings as a dividend. QCR Holdings pays out 3.54% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UVSP or QCRH?

    Univest Financial quarterly revenues are $79.2M, which are larger than QCR Holdings quarterly revenues of $74.6M. Univest Financial's net income of $22.4M is lower than QCR Holdings's net income of $25.8M. Notably, Univest Financial's price-to-earnings ratio is 11.80x while QCR Holdings's PE ratio is 11.06x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Univest Financial is 3.07x versus 3.76x for QCR Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UVSP
    Univest Financial
    3.07x 11.80x $79.2M $22.4M
    QCRH
    QCR Holdings
    3.76x 11.06x $74.6M $25.8M
  • Which has Higher Returns UVSP or SBFG?

    SB Financial Group has a net margin of 28.28% compared to Univest Financial's net margin of 14.03%. Univest Financial's return on equity of 8.94% beat SB Financial Group's return on equity of 8.78%.

    Company Gross Margin Earnings Per Share Invested Capital
    UVSP
    Univest Financial
    -- $0.77 $1.2B
    SBFG
    SB Financial Group
    -- $0.33 $186.2M
  • What do Analysts Say About UVSP or SBFG?

    Univest Financial has a consensus price target of $31.67, signalling upside risk potential of 0.53%. On the other hand SB Financial Group has an analysts' consensus of $23.00 which suggests that it could grow by 19.48%. Given that SB Financial Group has higher upside potential than Univest Financial, analysts believe SB Financial Group is more attractive than Univest Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    UVSP
    Univest Financial
    0 3 0
    SBFG
    SB Financial Group
    1 0 0
  • Is UVSP or SBFG More Risky?

    Univest Financial has a beta of 0.735, which suggesting that the stock is 26.539% less volatile than S&P 500. In comparison SB Financial Group has a beta of 0.255, suggesting its less volatile than the S&P 500 by 74.55%.

  • Which is a Better Dividend Stock UVSP or SBFG?

    Univest Financial has a quarterly dividend of $0.22 per share corresponding to a yield of 2.7%. SB Financial Group offers a yield of 3.01% to investors and pays a quarterly dividend of $0.15 per share. Univest Financial pays 32.72% of its earnings as a dividend. SB Financial Group pays out 32.87% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios UVSP or SBFG?

    Univest Financial quarterly revenues are $79.2M, which are larger than SB Financial Group quarterly revenues of $15.4M. Univest Financial's net income of $22.4M is higher than SB Financial Group's net income of $2.2M. Notably, Univest Financial's price-to-earnings ratio is 11.80x while SB Financial Group's PE ratio is 11.32x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Univest Financial is 3.07x versus 2.15x for SB Financial Group. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UVSP
    Univest Financial
    3.07x 11.80x $79.2M $22.4M
    SBFG
    SB Financial Group
    2.15x 11.32x $15.4M $2.2M

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