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

HBT Financial, Inc.

Heritage Commerce Corp.

Community Trust Bancorp, Inc. (Kentucky)

Univest Financial Corp.

First Community Bancshares, Inc. (Virginia)

Amalgamated Financial Corp.

Heritage Financial Corp. (Washington)

Coastal Financial Corp. (Washington)

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%

Positive results in Jun 26

OPERATING CASH FLOW(Y) Highest at USD 100.75 MM
NII(Q) Highest at USD 66.25 MM
ROCE(HY) Highest at 1.22%

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 34.39%, its profits have risen by 19.5% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 88.88%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 5.83% over the previous quarter.

Market Beating performance in long term as well as near term

Along with generating 34.39% 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.

34.39%

4.25

24.10%

S&P 500

15.36%

1.17

13.09%

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

11What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 100.75 MM

NII(Q)

Highest at USD 66.25 MM

ROCE(HY)

Highest at 1.22%

DIVIDEND PER SHARE(HY)

Highest at USD 0

-6What is not working for the Company

DIVIDEND PAYOUT RATIO(Y)

Lowest at 28.02%

ROCE(HY)

Lowest at 1.22%

GROSS NPA (%)

Here's what is working for Univest Financial Corp.

NII

Highest at USD 66.25 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 100.75 MM and Grown

In each year in the last three years

MOJO 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 years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Depreciation

Highest at USD 1.56 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

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

Non Performing Loans (%)

Highest at 0.63%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Dividend Payout Ratio

Lowest at 28.02% and Fallen

In each year in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)