ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Univest Financial Corp. ?
1
High Profitability with a Net Interest Margin of 6.28%
2
Positive results in Dec 25
- NII(Q) Highest at USD 62.55 MM
- ROCE(HY) Highest at 1.09%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 0.61%, it has a attractive valuation with a 0.99 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 14.16%, its profits have risen by 11.2% ; the PEG ratio of the company is 0.9
4
High Institutional Holdings at 80.81%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Univest Financial Corp.
15.23%
1.96
29.45%
S&P 500
17.78%
0.90
19.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.11%
EBIT Growth (5y)
9.70%
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
27.80%
Pledged Shares
0
Institutional Holding
80.81%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.99
EV to EBIT
11.20
EV to EBITDA
10.52
EV to Capital Employed
0.99
EV to Sales
2.48
PEG Ratio
0.93
Dividend Yield
2.77%
ROCE (Latest)
8.86%
ROE (Latest)
8.71%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 62.55 MM
ROCE(HY)
Highest at 1.09%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 111.72 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 70.84 MM
ROCE(HY)
Lowest at 1.09%
CREDIT DEPOSIT RATIO(HY)
Lowest at 97.57%
Here's what is working for Univest Financial Corp.
NII
Highest at USD 62.55 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 111.72 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (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)
Here's what is not working for Univest Financial Corp.
Operating Cash Flow
Lowest at USD 70.84 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 97.57%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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