Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 2.20
UVSP's Cash to Debt is ranked higher than
53% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. UVSP: 2.20 )
Ranked among companies with meaningful Cash to Debt only.
UVSP' s Cash to Debt Range Over the Past 10 Years
Min: 0.19  Med: 1.09 Max: No Debt
Current: 2.2
Equity to Asset 0.13
UVSP's Equity to Asset is ranked higher than
74% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UVSP: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
UVSP' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.10 Max: 0.13
Current: 0.13
0.09
0.13
Interest Coverage 4.59
UVSP's Interest Coverage is ranked higher than
77% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. UVSP: 4.59 )
Ranked among companies with meaningful Interest Coverage only.
UVSP' s Interest Coverage Range Over the Past 10 Years
Min: 0.39  Med: 1.65 Max: 9999.99
Current: 4.59
0.39
9999.99
F-Score: 5
WACC vs ROIC
7.05%
8.06%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 25.30
UVSP's Operating margin (%) is ranked lower than
66% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. UVSP: 25.30 )
Ranked among companies with meaningful Operating margin (%) only.
UVSP' s Operating margin (%) Range Over the Past 10 Years
Min: 11.63  Med: 23.44 Max: 39.98
Current: 25.3
11.63
39.98
Net-margin (%) 18.63
UVSP's Net-margin (%) is ranked lower than
64% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. UVSP: 18.63 )
Ranked among companies with meaningful Net-margin (%) only.
UVSP' s Net-margin (%) Range Over the Past 10 Years
Min: 11.05  Med: 18.44 Max: 29.19
Current: 18.63
11.05
29.19
ROE (%) 7.90
UVSP's ROE (%) is ranked lower than
51% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. UVSP: 7.90 )
Ranked among companies with meaningful ROE (%) only.
UVSP' s ROE (%) Range Over the Past 10 Years
Min: 4.58  Med: 7.50 Max: 14.16
Current: 7.9
4.58
14.16
ROA (%) 1.01
UVSP's ROA (%) is ranked higher than
62% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. UVSP: 1.01 )
Ranked among companies with meaningful ROA (%) only.
UVSP' s ROA (%) Range Over the Past 10 Years
Min: 0.52  Med: 0.94 Max: 1.37
Current: 1.01
0.52
1.37
Revenue Growth (3Y)(%) -100.00
UVSP's Revenue Growth (3Y)(%) is ranked lower than
98% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. UVSP: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UVSP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 4.50 Max: 105.2
Current: -100
-100
105.2
EBITDA Growth (3Y)(%) -100.00
UVSP's EBITDA Growth (3Y)(%) is ranked lower than
97% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. UVSP: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UVSP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 3.55 Max: 21.5
Current: -100
-100
21.5
EPS Growth (3Y)(%) -100.00
UVSP's EPS Growth (3Y)(%) is ranked lower than
97% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. UVSP: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UVSP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 6.50 Max: 18.2
Current: -100
-100
18.2
» UVSP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2014

UVSP Guru Trades in Q4 2014

Jim Simons 41,100 sh (+65.90%)
Bernard Horn Sold Out
» More
Q1 2015

UVSP Guru Trades in Q1 2015

Jim Simons 80,738 sh (+96.44%)
» More
Q2 2015

UVSP Guru Trades in Q2 2015

Jim Simons 155,751 sh (+92.91%)
» More
Q3 2015

UVSP Guru Trades in Q3 2015

Jim Simons 187,400 sh (+20.32%)
» More
» Details

Insider Trades

Latest Guru Trades with UVSP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.30
UVSP's P/E(ttm) is ranked lower than
61% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. UVSP: 14.30 )
Ranked among companies with meaningful P/E(ttm) only.
UVSP' s P/E(ttm) Range Over the Past 10 Years
Min: 9.4  Med: 14.46 Max: 32.05
Current: 14.3
9.4
32.05
Forward P/E 13.39
UVSP's Forward P/E is ranked lower than
79% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. UVSP: 13.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.20
UVSP's PE(NRI) is ranked lower than
61% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. UVSP: 14.20 )
Ranked among companies with meaningful PE(NRI) only.
UVSP' s PE(NRI) Range Over the Past 10 Years
Min: 9.4  Med: 14.47 Max: 32.64
Current: 14.2
9.4
32.64
P/B 1.04
UVSP's P/B is ranked lower than
55% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. UVSP: 1.04 )
Ranked among companies with meaningful P/B only.
UVSP' s P/B Range Over the Past 10 Years
Min: 0.77  Med: 1.16 Max: 2.4
Current: 1.04
0.77
2.4
P/S 2.62
UVSP's P/S is ranked higher than
54% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. UVSP: 2.62 )
Ranked among companies with meaningful P/S only.
UVSP' s P/S Range Over the Past 10 Years
Min: 1.92  Med: 2.82 Max: 6.82
Current: 2.62
1.92
6.82
PFCF 13.16
UVSP's PFCF is ranked lower than
70% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. UVSP: 13.16 )
Ranked among companies with meaningful PFCF only.
UVSP' s PFCF Range Over the Past 10 Years
Min: 4.89  Med: 12.14 Max: 31.3
Current: 13.16
4.89
31.3
POCF 10.73
UVSP's POCF is ranked lower than
66% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. UVSP: 10.73 )
Ranked among companies with meaningful POCF only.
UVSP' s POCF Range Over the Past 10 Years
Min: 4.71  Med: 10.51 Max: 21.92
Current: 10.73
4.71
21.92
EV-to-EBIT 10.99
UVSP's EV-to-EBIT is ranked higher than
59% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. UVSP: 10.99 )
Ranked among companies with meaningful EV-to-EBIT only.
UVSP' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.1  Med: 11.00 Max: 40.4
Current: 10.99
3.1
40.4
EV-to-EBITDA 9.89
UVSP's EV-to-EBITDA is ranked higher than
58% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. UVSP: 9.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
UVSP' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.8  Med: 10.10 Max: 31.9
Current: 9.89
2.8
31.9
Shiller P/E 12.80
UVSP's Shiller P/E is ranked higher than
69% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. UVSP: 12.80 )
Ranked among companies with meaningful Shiller P/E only.
UVSP' s Shiller P/E Range Over the Past 10 Years
Min: 7.23  Med: 10.81 Max: 14.06
Current: 12.8
7.23
14.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.16
UVSP's Dividend Yield is ranked higher than
68% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. UVSP: 4.16 )
Ranked among companies with meaningful Dividend Yield only.
UVSP' s Dividend Yield Range Over the Past 10 Years
Min: 2.16  Med: 4.03 Max: 6.32
Current: 4.16
2.16
6.32
Dividend Payout 0.60
UVSP's Dividend Payout is ranked lower than
82% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. UVSP: 0.60 )
Ranked among companies with meaningful Dividend Payout only.
UVSP' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.40 Max: 1.07
Current: 0.6
0.16
1.07
Dividend Growth (3y) -100.00
UVSP's Dividend Growth (3y) is ranked lower than
92% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. UVSP: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UVSP' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 42.2
Current: -100
0
42.2
Forward Dividend Yield 4.16
UVSP's Forward Dividend Yield is ranked higher than
67% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. UVSP: 4.16 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.14
UVSP's Yield on cost (5-Year) is ranked higher than
59% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. UVSP: 4.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UVSP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.16  Med: 4.03 Max: 6.32
Current: 4.14
2.16
6.32
3-Year Average Share Buyback Ratio 1.20
UVSP's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. UVSP: 1.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UVSP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.1  Med: 0.50 Max: 7.3
Current: 1.2
-9.1
7.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
UVSP's Price/Tangible Book is ranked higher than
53% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. UVSP: 1.04 )
Ranked among companies with meaningful Price/Tangible Book only.
UVSP' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.14  Med: 1.92 Max: 3.58
Current: 1.04
1.14
3.58
Price/Projected FCF 0.58
UVSP's Price/Projected FCF is ranked higher than
56% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. UVSP: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
UVSP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.54  Med: 0.71 Max: 1.45
Current: 0.58
0.54
1.45
Price/Median PS Value 0.93
UVSP's Price/Median PS Value is ranked higher than
59% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. UVSP: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
UVSP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.8  Med: 1.07 Max: 3.02
Current: 0.93
0.8
3.02
Price/Peter Lynch Fair Value 1.41
UVSP's Price/Peter Lynch Fair Value is ranked lower than
76% of the 429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. UVSP: 1.41 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UVSP' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.62  Med: 1.41 Max: 2.57
Current: 1.41
0.62
2.57
Earnings Yield (Greenblatt) (%) 9.10
UVSP's Earnings Yield (Greenblatt) (%) is ranked higher than
63% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. UVSP: 9.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UVSP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.5  Med: 9.10 Max: 31.9
Current: 9.1
2.5
31.9
Forward Rate of Return (Yacktman) (%) 20.10
UVSP's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. UVSP: 20.10 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UVSP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -14.4  Med: 11.10 Max: 26.6
Current: 20.1
-14.4
26.6

More Statistics

Revenue(Mil) $146
EPS $ 1.40
Beta0.69
Short Percentage of Float3.79%
52-Week Range $18.55 - 21.19
Shares Outstanding(Mil)19.53

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Univest Corp of Pennsylvania is a Pennsylvania corporation organized in 1973 and registered as a bank holding company pursuant to the Bank Holding Company Act of 1956. The Bank is a Pennsylvania state-chartered bank and trust company. The Bank is engaged in the general commercial banking business and provides a range of banking services and trust services to its customers. It is the parent company of Delview, Inc., which is the parent company of Univest Insurance, Inc., an independent insurance agency, and Univest Investments, Inc., a full-service broker-dealer and investment advisory firm. The Bank is also the parent company of Univest Capital, Inc., a small ticket commercial finance business, and TCG Investment Advisory, a registered investment advisor which provides discretionary investment consulting and management services. The Company through its wholly-owned subsidiaries, the Bank provides a variety of financial services to individuals, municipalities and businesses throughout its markets of operation. Univest Investments, Inc., Univest Insurance, Inc. and Univest Capital, Inc., were formed to enhance the traditional banking and trust services provided by the Bank, but do not currently meet the quantitative thresholds for separate disclosure as a business segment. The Corporation currently operates as a Community Banking services. The Bank serves Montgomery, Bucks, Chester and Lehigh counties of Pennsylvania through thirty-one banking offices and provides banking and trust services to the residents and employees of twelve retirement communities. The Company competes with other banks, savings and loan associations, and other financial institutions, other competitors, including credit unions, consumer finance companies, insurance companies, leasing companies and mutual funds. The Bank is subject to supervision and is regularly examined by the Pennsylvania Department of Banking and the Federal Reserve Bank of Philadelphia. The Bank is also subject to examination by the Federal Deposit Insurance Corporation.
» More Articles for UVSP

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: AKAM, BYI, CPSI, UVSP, AINV Feb 12 2013 
Weekly CEO Buys Highlight: PKY, TWO, UVSP, AGYS, ANGO Feb 19 2012 
Univest Corp. of Pennsylvania (UVSP) EVP & CFO Jeffrey M Schweitzer sells 1,200 Shares Mar 14 2011 
Univest Corp. of Pennsylvania Reports Operating Results (10-K) Mar 04 2011 
Five Banks with CEO Purchases in the Past Week: BKMU, MSFG, BDGE, UVSP, CNBC Feb 16 2011 
Univest Corp. of Pennsylvania (UVSP) Vice Chairman K Leon Moyer buys 2,709 Shares Feb 11 2011 
Univest Corp. of Pennsylvania (UVSP) CEO William S Aichele buys 5,201 Shares Feb 11 2011 
Univest Corp. of Pennsylvania Reports Operating Results (10-Q) Nov 08 2010 
Univest Corp. of Pennsylvania Reports Operating Results (10-Q) Aug 06 2010 
Univest Corp. of Pennsylvania Reports Operating Results (10-Q) Nov 09 2009 

More From Other Websites
Univest Corp. of Pennsylvania Earnings Analysis: Q4, 2015 By the Numbers Jan 29 2016
Edited Transcript of UVSP earnings conference call or presentation 28-Jan-16 2:00pm GMT Jan 28 2016
Univest posts 4Q profit Jan 27 2016
Univest posts 4Q profit Jan 27 2016
Univest Corporation of Pennsylvania - Univest Bank and Trust Co. - Reports Fourth Quarter and Year... Jan 27 2016
UNIVEST CORP OF PENNSYLVANIA Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 27 2016
Univest Corporation of Pennsylvania - Univest Bank and Trust Co. - Reports Fourth Quarter and Year... Jan 27 2016
Q4 2015 Univest Corp of Pennsylvania Earnings Release - Time Not Supplied Jan 27 2016
Fox Chase Bancorp, Inc. Announces Earnings for the Quarter and Year Ended December 31, 2015 Jan 26 2016
Local bank forms new small business lending team, hires half dozen Jan 26 2016
Univest Corporation of Pennsylvania to Hold Fourth Quarter and Year End 2015 Earnings Conference... Jan 14 2016
Univest Corporation of Pennsylvania to Hold Fourth Quarter and Year End 2015 Earnings Conference... Jan 14 2016
The Zacks Analyst Blog Highlights: BBCN Bancorp, Heritage Commerce, Bank of the Ozarks, Towne Bank... Jan 07 2016
Rate Hike Could Boost These 5 Rate-Sensitive Bank Stocks Jan 06 2016
Univest Corp. of Pennsylvania breached its 50 day moving average in a Bearish Manner : January 5,... Jan 05 2016
UNIVEST CORP OF PENNSYLVANIA Files SEC form 8-K, Entry into a Material Definitive Agreement,... Dec 11 2015
2 'Tickets' to the Other Lollapalooza in 2016 Dec 09 2015
Layoffs part of projected cost saves in Univest-Fox Chase deal Dec 09 2015
Univest Corp. of Pennsylvania breached its 50 day moving average in a Bearish Manner : December 9,... Dec 09 2015
UNIVEST CORP OF PENNSYLVANIA Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 09 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK