Univest Financial Corp. (UVSP) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Heritage Commerce Corp.

Community Trust Bancorp, Inc. (Kentucky)

Univest Financial Corp.

Amalgamated Financial Corp.

Heritage Financial Corp. (Washington)

HBT Financial, Inc.

Coastal Financial Corp. (Washington)

First Community Bancshares, Inc. (Virginia)

Premier Financial Corp.

Great Southern Bancorp, Inc. (Missouri)

Eagle Bancorp, Inc. (Maryland)

Why is Univest Financial Corp. ?

High Profitability with a Net Interest Margin of 6.20%

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 5 consecutive quarters
NII(Q) Highest at USD 63.37 MM
OPERATING CASH FLOW(Y) Highest at USD 97.76 MM
ROCE(HY) Highest at 1.18%

With ROA of 0.63%, it has a attractive valuation with a 1.07 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 40.87%, its profits have risen by 19.5% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 83.05%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.24% over the previous quarter.

Market Beating performance in long term as well as near term

Along with generating 40.87% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How 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.

40.87%

3.45

27.06%

S&P 500

24.32%

1.88

12.96%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.11%

EBIT Growth (5y)

9.47%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.78%

Pledged Shares

Institutional Holding

83.05%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.07

EV to EBIT

6.83

EV to EBITDA

6.47

EV to Capital Employed

1.10

EV to Sales

1.70

PEG Ratio

0.51

Dividend Yield

2.51%

ROCE (Latest)

16.17%

ROE (Latest)

9.62%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company

NII(Q)

Highest at USD 63.37 MM

OPERATING CASH FLOW(Y)

Highest at USD 97.76 MM

ROCE(HY)

Highest at 1.18%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 33.91 MM

OPERATING PROFIT MARGIN(Q)

Highest at 31.88 %

PRE-TAX PROFIT(Q)

Highest at USD 33.91 MM

NET PROFIT(Q)

Highest at USD 27.44 MM

EPS(Q)

Highest at USD 0.96

-3What is not working for the Company

ROCE(HY)

Lowest at 1.18%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 22.99%

Here's what is working for Univest Financial Corp.

NII

Highest at USD 63.37 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 97.76 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 33.91 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 31.88 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 33.91 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 27.44 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.96

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Univest Financial Corp.

Dividend Payout Ratio

Lowest at 22.99%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)