Univest Financial
Market Cap
US$738.5m
Last Updated
2019/10/22 23:45 UTC
Data Sources
Company Financials
Executive Summary
Univest Financial Corporation operates as the holding company for Univest Bank and Trust Co.
Snowflake
Fundamentals
Flawless balance sheet with proven track record.
Similar Companies
Share Price & News
How has Univest Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
1.4%
UVSP
2.9%
US Banks
0.07%
US Market
1 Year Return
8.4%
UVSP
8.6%
US Banks
8.9%
US Market
Return vs Industry: UVSP exceeded the US Banks industry which returned 8.6% over the past year.
Return vs Market: UVSP matched the US Market which returned 8.9% over the past year.
Shareholder returns
| UVSP | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.4% | 2.9% | 0.07% |
| 30 Day | -3.4% | 3.4% | -0.3% |
| 90 Day | -3.1% | 2.1% | -1.6% |
| 1 Year | 12.1%8.4% | 11.8%8.6% | 11.3%8.9% |
| 3 Year | 15.6%5.7% | 54.8%44.1% | 46.3%36.8% |
| 5 Year | 46.1%23.3% | 70.2%51.6% | 62.1%44.3% |
Price Volatility Vs. Market
How volatile is Univest Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
6 days ago | Simply Wall St
Univest Financial (NASDAQ:UVSP) Shareholders Have Enjoyed A 28% Share Price Gain3 weeks ago | Simply Wall St
Need To Know: Univest Financial Corporation (NASDAQ:UVSP) Insiders Have Been Buying Shares1 month ago | Simply Wall St
Does Univest Financial Corporation (NASDAQ:UVSP) Have A High Beta?Valuation
Is Univest Financial undervalued compared to its fair value and its price relative to the market?
11.22x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: UVSP ($25.2) is trading above our estimate of fair value ($15.59)
Significantly Below Fair Value: UVSP is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: UVSP is good value based on its PE Ratio (11.2x) compared to the Banks industry average (12.6x).
PE vs Market: UVSP is good value based on its PE Ratio (11.2x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate UVSP's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: UVSP is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is Univest Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
0.6%
Forecasted Banks industry annual growth in earnings
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if UVSP's forecast earnings growth is above the savings rate (2.7%).
Earnings vs Market: Insufficient data to determine if UVSP's earnings are forecast to grow faster than the US market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: Insufficient data to determine if UVSP's revenue is forecast to grow faster than the US market.
High Growth Revenue: Insufficient data to determine if UVSP's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if UVSP's Return on Equity is forecast to be high in 3 years time
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Past Performance
How has Univest Financial performed over the past 5 years?
22.1%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: UVSP's earnings have grown significantly by 22.1% per year over the past 5 years.
Accelerating Growth: UVSP's earnings growth over the past year (70.4%) exceeds its 5-year average (22.1% per year).
Earnings vs Industry: UVSP earnings growth over the past year (70.4%) exceeded the Banks industry 29.7%.
Return on Equity
High ROE: UVSP's Return on Equity (10.1%) is considered low.
Return on Assets
ROA vs Industry: UVSP has a higher Return on Assets than the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate UVSP's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is Univest Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: UVSP has a low level of unsold assets or inventory.
Debt Coverage by Assets: UVSP's debt is not covered by short term assets (assets are 0.4x debt).
Financial Institutions Analysis
Asset Level: UVSP's level of assets compared to its equity is low.
Allowance for Bad Loans: UVSP has a sufficient allowance for bad loans.
Low Risk Liabilities: UVSP's liabilities are made up of primarily low risk sources of funding.
Loan Level: UVSP has an acceptable proportion of non-loan assets held.
Low Risk Deposits: UVSP's loans are broadly funded by customer deposits.
Level of Bad Loans: UVSP has an appropriate level of bad loans (0.64%)
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Dividend
What is Univest Financial's current dividend yield, its reliability and sustainability?
3.17%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: UVSP's dividend (3.17%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: UVSP's dividend (3.17%) is low compared to the top 25% of dividend payers in the US market (3.68%).
Stable Dividend: UVSP's dividends per share have been stable in the past 10 years.
Growing Dividend: UVSP's dividend payments have not increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (35.6%), UVSP's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
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Management
What is the CEO of Univest Financial's salary, the management and board of directors tenure and is there insider trading?
6.7yrs
Average management tenure
CEO
Jeff Schweitzer (45yo)
5.8yrs
Tenure
US$1,188,401
Compensation
Mr. Jeffrey M. Schweitzer, also known as Jeff, CPA, has been the Chief Executive Officer at Univest Bank and Trust Co., since January 01, 2014. Mr. Schweitzer serves as the Chief Executive Officer and Pres ...
CEO Compensation Analysis
Compensation vs. Market: Jeff's total compensation ($USD1.19M) is about average for companies of similar size in the US market ($USD2.67M).
Compensation vs Earnings: Jeff's compensation has been consistent with company performance over the past year.
Management Age and Tenure
6.7yrs
Average Tenure
49.5yo
Average Age
Experienced Management: UVSP's management team is seasoned and experienced (6.7 years average tenure).
Board Age and Tenure
3.8yrs
Average Tenure
61yo
Average Age
Experienced Board: UVSP's board of directors are considered experienced (3.8 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Shares | 2,500 |
| Max Price | US$25.04 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 500 |
| Max Price | US$25.50 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 1,000 |
| Max Price | US$24.90 |
Ownership Breakdown
Management Team
George Terry (81yo)
Executive Vice President
- Tenure: 0yrs
- Compensation: US$151.72k
Kim Detwiler
Senior VP & Director of Corporate Communications
- Tenure: 7.6yrs
Jeff Schweitzer (45yo)
President
- Tenure: 5.8yrs
- Compensation: US$1.19m
Duane Brobst (66yo)
Senior Executive Vice President
- Tenure: 11.8yrs
- Compensation: US$436.84k
Carmella Faust
Senior VP & Director of Marketing
- Tenure: 7.6yrs
Eric Conner (48yo)
Executive VP & Chief Information Officer
- Tenure: 0yrs
- Compensation: US$408.28k
Mike Keim (51yo)
Senior Executive Vice President
- Tenure: 0yrs
- Compensation: US$700.40k
Megan Santana
Executive VP
- Tenure: 3.7yrs
- Compensation: US$399.79k
M. Schwartzer
Executive VP & Chief Human Resources Officer
- Tenure: 0yrs
Brian Richardson (36yo)
Chief Financial Officer
- Tenure: 0.3yrs
Board Members
Roger Ballou (68yo)
Director
- Tenure: 3.3yrs
- Compensation: US$84.00k
Tom Petro (60yo)
Director
- Tenure: 3.3yrs
- Compensation: US$69.20k
Glenn Moyer (67yo)
Director
- Tenure: 4.4yrs
- Compensation: US$96.40k
Bill Aichele (68yo)
Chairman of the Board
- Tenure: 14.8yrs
- Compensation: US$135.50k
K. Moyer (69yo)
Independent Director
- Tenure: 14.8yrs
- Compensation: US$72.65k
Todd Benning (59yo)
Director
- Tenure: 3.3yrs
- Compensation: US$73.43k
Natalye Paquin (59yo)
Director
- Tenure: 2.3yrs
- Compensation: US$69.65k
Jeff Schweitzer (45yo)
President
- Tenure: 5.8yrs
- Compensation: US$1.19m
Charles Zimmerman (60yo)
Director
- Tenure: 2.9yrs
- Compensation: US$78.90k
Mike Turner (62yo)
Independent Director
- Tenure: 4.8yrs
- Compensation: US$80.00k
Company Information
Univest Financial Corporation's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Univest Financial Corporation
- Ticker: UVSP
- Exchange: NasdaqGS
- Founded: 1876
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$738.497m
- Shares outstanding: 29.31m
- Website: https://www.univest.net
Number of Employees
Location
- Univest Financial Corporation
- Univest Plaza
- 14 North Main Street
- Souderton
- Pennsylvania
- 18964
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| UVSP | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Jan 1982 |
Biography
Univest Financial Corporation operates as the holding company for Univest Bank and Trust Co. that provides banking products and services primarily in Pennsylvania. It operates through three segments: Banki ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/22 23:45 |
| End of Day Share Price | 2019/10/22 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.