ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Univest Financial Corp. ?
1
High Profitability with a Net Interest Margin of 5.89%
2
Positive results in Jun 25
- NII(Q) Highest at USD 59.54 MM
- OPERATING CASH FLOW(Y) Highest at USD 90.52 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.58%, it has a very attractive valuation with a 1.01 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0.94%, its profits have risen by 9% ; the PEG ratio of the company is 1.1
4
High Institutional Holdings at 82.41%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Underperformed the market in the last 1 year
- The stock has generated a return of 0.94% in the last 1 year, much lower than market (S&P 500) returns of 12.33%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Univest Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Univest Financial Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Univest Financial Corp.
5.92%
1.87
28.94%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.07%
EBIT Growth (5y)
12.28%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
32.53%
Pledged Shares
0
Institutional Holding
82.41%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.01
EV to EBIT
11.22
EV to EBITDA
10.52
EV to Capital Employed
1.01
EV to Sales
2.45
PEG Ratio
1.07
Dividend Yield
2.73%
ROCE (Latest)
9.00%
ROE (Latest)
8.64%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 59.54 MM
OPERATING CASH FLOW(Y)
Highest at USD 90.52 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Univest Financial Corp.
NII
Highest at USD 59.54 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 90.52 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 11.19%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Univest Financial Corp.
Non Performing Loans (%)
Highest at 0.41%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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