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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 14.40
UVSP's Cash to Debt is ranked higher than
85% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. UVSP: 14.40 )
UVSP' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 14.4

Equity to Asset 0.13
UVSP's Equity to Asset is ranked higher than
86% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UVSP: 0.13 )
UVSP' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.13

0.09
0.13
Interest Coverage 5.25
UVSP's Interest Coverage is ranked higher than
91% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. UVSP: 5.25 )
UVSP' s 10-Year Interest Coverage Range
Min: 0.39   Max: 5.25
Current: 5.25

0.39
5.25
F-Score: 7
Z-Score: 0.30
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 : 8/10

vs
industry
vs
history
Operating margin (%) 22.55
UVSP's Operating margin (%) is ranked higher than
64% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. UVSP: 22.55 )
UVSP' s 10-Year Operating margin (%) Range
Min: -287.19   Max: 42.36
Current: 22.55

-287.19
42.36
Net-margin (%) 17.77
UVSP's Net-margin (%) is ranked higher than
68% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. UVSP: 17.77 )
UVSP' s 10-Year Net-margin (%) Range
Min: 11.05   Max: 165.49
Current: 17.77

11.05
165.49
ROE (%) 7.55
UVSP's ROE (%) is ranked higher than
72% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. UVSP: 7.55 )
UVSP' s 10-Year ROE (%) Range
Min: 4.03   Max: 15.84
Current: 7.55

4.03
15.84
ROA (%) 0.97
UVSP's ROA (%) is ranked higher than
82% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. UVSP: 0.97 )
UVSP' s 10-Year ROA (%) Range
Min: 0.52   Max: 1.59
Current: 0.97

0.52
1.59
ROC (Joel Greenblatt) (%) 78.77
UVSP's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. UVSP: 78.77 )
UVSP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -124.03   Max: 179.13
Current: 78.77

-124.03
179.13
Revenue Growth (%) 3.20
UVSP's Revenue Growth (%) is ranked higher than
81% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UVSP: 3.20 )
UVSP' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 105.2
Current: 3.2

0
105.2
EBITDA Growth (%) 10.80
UVSP's EBITDA Growth (%) is ranked higher than
79% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UVSP: 10.80 )
UVSP' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 20.8
Current: 10.8

0
20.8
EPS Growth (%) 10.20
UVSP's EPS Growth (%) is ranked higher than
76% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. UVSP: 10.20 )
UVSP' s 10-Year EPS Growth (%) Range
Min: -27.3   Max: 18.2
Current: 10.2

-27.3
18.2
» UVSP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

UVSP Guru Trades in Q3 2013

Bernard Horn 129,700 sh (unchged)
Jim Simons 21,800 sh (-19.26%)
» More
Q4 2013

UVSP Guru Trades in Q4 2013

Jim Simons 52,239 sh (+139.63%)
Bernard Horn 129,700 sh (unchged)
» More
Q1 2014

UVSP Guru Trades in Q1 2014

Bernard Horn 169,900 sh (+30.99%)
Jim Simons 28,326 sh (-45.78%)
» More
Q2 2014

UVSP Guru Trades in Q2 2014

Bernard Horn 169,900 sh (unchged)
Jim Simons 11,100 sh (-60.81%)
» 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 Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.80
UVSP's P/E(ttm) is ranked higher than
71% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. UVSP: 14.80 )
UVSP' s 10-Year P/E(ttm) Range
Min: 9.4   Max: 32.05
Current: 14.8

9.4
32.05
P/B 1.10
UVSP's P/B is ranked higher than
69% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. UVSP: 1.10 )
UVSP' s 10-Year P/B Range
Min: 0.77   Max: 3.15
Current: 1.1

0.77
3.15
P/S 2.70
UVSP's P/S is ranked higher than
64% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. UVSP: 2.70 )
UVSP' s 10-Year P/S Range
Min: 1.92   Max: 6.82
Current: 2.7

1.92
6.82
PFCF 8.70
UVSP's PFCF is ranked higher than
77% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.14 vs. UVSP: 8.70 )
UVSP' s 10-Year PFCF Range
Min: 4.88   Max: 81.38
Current: 8.7

4.88
81.38
EV-to-EBIT 10.26
UVSP's EV-to-EBIT is ranked higher than
87% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. UVSP: 10.26 )
UVSP' s 10-Year EV-to-EBIT Range
Min: 3.1   Max: 40.4
Current: 10.26

3.1
40.4
PEG 0.92
UVSP's PEG is ranked higher than
88% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UVSP: 0.92 )
UVSP' s 10-Year PEG Range
Min: 0.58   Max: 13.78
Current: 0.92

0.58
13.78
Shiller P/E 16.60
UVSP's Shiller P/E is ranked higher than
82% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.69 vs. UVSP: 16.60 )
UVSP' s 10-Year Shiller P/E Range
Min: 8.08   Max: 19.75
Current: 16.6

8.08
19.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.10
UVSP's Dividend Yield is ranked higher than
80% of the 1412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.46 vs. UVSP: 4.10 )
UVSP' s 10-Year Dividend Yield Range
Min: 1.49   Max: 6.32
Current: 4.1

1.49
6.32
Dividend Payout 0.60
UVSP's Dividend Payout is ranked higher than
59% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.49 vs. UVSP: 0.60 )
UVSP' s 10-Year Dividend Payout Range
Min: 0.27   Max: 2.17
Current: 0.6

0.27
2.17
Yield on cost (5-Year) 4.20
UVSP's Yield on cost (5-Year) is ranked higher than
70% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. UVSP: 4.20 )
UVSP' s 10-Year Yield on cost (5-Year) Range
Min: 1.49   Max: 6.32
Current: 4.2

1.49
6.32
Share Buyback Rate -0.20
UVSP's Share Buyback Rate is ranked higher than
84% of the 1238 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. UVSP: -0.20 )
UVSP' s 10-Year Share Buyback Rate Range
Min: 7.3   Max: -9.1
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
UVSP's Price/Tangible Book is ranked higher than
60% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. UVSP: 1.50 )
UVSP' s 10-Year Price/Tangible Book Range
Min: 1.02   Max: 4.21
Current: 1.5

1.02
4.21
Price/DCF (Projected) 0.61
UVSP's Price/DCF (Projected) is ranked higher than
83% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. UVSP: 0.61 )
UVSP' s 10-Year Price/DCF (Projected) Range
Min: 0.47   Max: 1.35
Current: 0.61

0.47
1.35
Price/Median PS Value 0.87
UVSP's Price/Median PS Value is ranked higher than
87% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UVSP: 0.87 )
UVSP' s 10-Year Price/Median PS Value Range
Min: 0.66   Max: 3.18
Current: 0.87

0.66
3.18
Price/Peter Lynch Fair Value 0.95
UVSP's Price/Peter Lynch Fair Value is ranked higher than
88% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UVSP: 0.95 )
UVSP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6   Max: 3.24
Current: 0.95

0.6
3.24
Price/Graham Number 0.98
UVSP's Price/Graham Number is ranked higher than
65% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UVSP: 0.98 )
UVSP' s 10-Year Price/Graham Number Range
Min: 0.74   Max: 1.87
Current: 0.98

0.74
1.87
Earnings Yield (Greenblatt) 9.60
UVSP's Earnings Yield (Greenblatt) is ranked higher than
81% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UVSP: 9.60 )
UVSP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 31.9
Current: 9.6

2.5
31.9
Forward Rate of Return (Yacktman) 23.60
UVSP's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.09 vs. UVSP: 23.60 )
UVSP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.4   Max: 25.5
Current: 23.6

-14.4
25.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Univest Corporation 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 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. Through its wholly-owned subsidiaries, the Bank provides a variety of financial services to individuals, municipalities and businesses throughout its markets of operation. 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: AKAM, BYI, CPSI, UVSP, AINV Feb 11 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 

More From Other Websites
Univest Corporation Declares Third Quarter Dividend Aug 15 2014
UNIVEST CORP OF PENNSYLVANIA Files SEC form 8-K, Other Events, Financial Statements and Exhibits Aug 15 2014
UNIVEST CORP OF PENNSYLVANIA Financials Aug 15 2014
Univest Corporation Declares Third Quarter Dividend Aug 15 2014
UNIVEST CORP OF PENNSYLVANIA Files SEC form 10-Q, Quarterly Report Aug 08 2014
UNIVEST CORP OF PENNSYLVANIA Files SEC form 8-K, Change in Directors or Principal Officers,... Jul 24 2014
Photo Release -- Univest Corporation -- Univest Bank and Trust Co. -- Announces K. Leon Moyer's... Jul 23 2014
Univest Corporation of Pennsylvania -- Univest Bank and Trust Co. -- Reports Second Quarter Earnings Jul 23 2014
UNIVEST CORP OF PENNSYLVANIA Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 23 2014
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Q2 2014 Univest Corp of Pennsylvania Earnings Release - Time Not Supplied Jul 23 2014
Univest Bank and Trust Co. Appoints Kevin B. Norris President of Wealth Management Division Jul 18 2014
Univest Bank and Trust Co. Appoints Kevin B. Norris President of Wealth Management Division Jul 18 2014
Univest Corporation Expands Insurance Subsidiary Through Acquisition of Sterner Insurance Jul 01 2014
UNIVEST CORP OF PENNSYLVANIA Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 01 2014
Univest Corporation Expands Insurance Subsidiary Through Acquisition of Sterner Insurance Jul 01 2014
Univest Corp. Of PA: Can The Bank Make It In The Big City? Jun 25 2014
UNIVEST CORP OF PENNSYLVANIA Files SEC form 8-K, Entry into a Material Definitive Agreement,... Jun 19 2014
UNIVEST CORP OF PENNSYLVANIA Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 18 2014
Univest Corporation of Pennsylvania to Acquire Valley Green Bank Jun 18 2014

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