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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 1.40
UVSP's Cash to Debt is ranked lower than
51% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. UVSP: 1.40 )
Ranked among companies with meaningful Cash to Debt only.
UVSP' s 10-Year Cash to Debt Range
Min: 0.17   Max: No Debt
Current: 1.4

Equity to Asset 0.13
UVSP's Equity to Asset is ranked higher than
75% of the 1285 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 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.13

0.09
0.13
Interest Coverage 7.43
UVSP's Interest Coverage is ranked higher than
88% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. UVSP: 7.43 )
Ranked among companies with meaningful Interest Coverage only.
UVSP' s 10-Year Interest Coverage Range
Min: 0.39   Max: 7.43
Current: 7.43

0.39
7.43
F-Score: 5
Z-Score: 0.28
WACC vs ROIC
8.69%
8.23%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 23.74
UVSP's Operating margin (%) is ranked lower than
63% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. UVSP: 23.74 )
Ranked among companies with meaningful Operating margin (%) only.
UVSP' s 10-Year Operating margin (%) Range
Min: -287.19   Max: 42.36
Current: 23.74

-287.19
42.36
Net-margin (%) 17.79
UVSP's Net-margin (%) is ranked lower than
62% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. UVSP: 17.79 )
Ranked among companies with meaningful Net-margin (%) only.
UVSP' s 10-Year Net-margin (%) Range
Min: 11.05   Max: 165.49
Current: 17.79

11.05
165.49
ROE (%) 7.52
UVSP's ROE (%) is ranked lower than
54% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. UVSP: 7.52 )
Ranked among companies with meaningful ROE (%) only.
UVSP' s 10-Year ROE (%) Range
Min: 4.58   Max: 16.55
Current: 7.52

4.58
16.55
ROA (%) 0.97
UVSP's ROA (%) is ranked higher than
62% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. UVSP: 0.97 )
Ranked among companies with meaningful ROA (%) only.
UVSP' s 10-Year ROA (%) Range
Min: 0.52   Max: 1.63
Current: 0.97

0.52
1.63
ROC (Joel Greenblatt) (%) 83.46
UVSP's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. UVSP: 83.46 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UVSP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -242.76   Max: 176.01
Current: 83.46

-242.76
176.01
Revenue Growth (3Y)(%) 4.20
UVSP's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UVSP: 4.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UVSP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 105.2
Current: 4.2

0
105.2
EBITDA Growth (3Y)(%) 8.10
UVSP's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UVSP: 8.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UVSP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 20.8
Current: 8.1

0
20.8
EPS Growth (3Y)(%) 6.40
UVSP's EPS Growth (3Y)(%) is ranked lower than
58% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. UVSP: 6.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UVSP' s 10-Year EPS Growth (3Y)(%) Range
Min: -27.3   Max: 18.2
Current: 6.4

-27.3
18.2
» UVSP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

UVSP Guru Trades in Q2 2014

Bernard Horn 169,900 sh (unchged)
Jim Simons 11,100 sh (-60.81%)
» More
Q3 2014

UVSP Guru Trades in Q3 2014

Jim Simons 24,774 sh (+123.19%)
Bernard Horn 169,900 sh (unchged)
» More
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
» 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%)

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» 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 lower than
56% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. UVSP: 14.80 )
Ranked among companies with meaningful P/E(ttm) only.
UVSP' s 10-Year P/E(ttm) Range
Min: 9.4   Max: 32.05
Current: 14.8

9.4
32.05
Forward P/E 13.39
UVSP's Forward P/E is ranked lower than
66% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. UVSP: 13.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.50
UVSP's PE(NRI) is ranked lower than
54% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. UVSP: 14.50 )
Ranked among companies with meaningful PE(NRI) only.
UVSP' s 10-Year PE(NRI) Range
Min: 9.4   Max: 32.64
Current: 14.5

9.4
32.64
P/B 1.10
UVSP's P/B is ranked higher than
51% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UVSP: 1.10 )
Ranked among companies with meaningful P/B only.
UVSP' s 10-Year P/B Range
Min: 0.77   Max: 3.01
Current: 1.1

0.77
3.01
P/S 2.60
UVSP's P/S is ranked higher than
58% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. UVSP: 2.60 )
Ranked among companies with meaningful P/S only.
UVSP' s 10-Year P/S Range
Min: 1.92   Max: 6.98
Current: 2.6

1.92
6.98
POCF 13.52
UVSP's POCF is ranked lower than
70% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. UVSP: 13.52 )
Ranked among companies with meaningful POCF only.
UVSP' s 10-Year POCF Range
Min: 4.71   Max: 36.19
Current: 13.52

4.71
36.19
EV-to-EBIT 11.86
UVSP's EV-to-EBIT is ranked higher than
63% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.34 vs. UVSP: 11.86 )
Ranked among companies with meaningful EV-to-EBIT only.
UVSP' s 10-Year EV-to-EBIT Range
Min: 3.1   Max: 40.4
Current: 11.86

3.1
40.4
PEG 1.01
UVSP's PEG is ranked higher than
55% of the 513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. UVSP: 1.01 )
Ranked among companies with meaningful PEG only.
UVSP' s 10-Year PEG Range
Min: 0.52   Max: 23.1
Current: 1.01

0.52
23.1
Shiller P/E 16.60
UVSP's Shiller P/E is ranked higher than
52% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. UVSP: 16.60 )
Ranked among companies with meaningful Shiller P/E only.
UVSP' s 10-Year Shiller P/E Range
Min: 8.08   Max: 19.51
Current: 16.6

8.08
19.51
Days Sales Outstanding 122.43
UVSP's Days Sales Outstanding is ranked lower than
80% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. UVSP: 122.43 )
Ranked among companies with meaningful Days Sales Outstanding only.
UVSP' s 10-Year Days Sales Outstanding Range
Min: 26.47   Max: 332.19
Current: 122.43

26.47
332.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.30
UVSP's Dividend Yield is ranked higher than
79% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UVSP: 4.30 )
Ranked among companies with meaningful Dividend Yield only.
UVSP' s 10-Year Dividend Yield Range
Min: 1.71   Max: 6.32
Current: 4.3

1.71
6.32
Dividend Payout 0.61
UVSP's Dividend Payout is ranked lower than
83% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UVSP: 0.61 )
Ranked among companies with meaningful Dividend Payout only.
UVSP' s 10-Year Dividend Payout Range
Min: 0.27   Max: 2.17
Current: 0.61

0.27
2.17
Yield on cost (5-Year) 4.20
UVSP's Yield on cost (5-Year) is ranked higher than
66% of the 2099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. UVSP: 4.20 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UVSP' s 10-Year Yield on cost (5-Year) Range
Min: 1.71   Max: 6.32
Current: 4.2

1.71
6.32
Share Buyback Rate 0.80
UVSP's Share Buyback Rate is ranked higher than
80% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. UVSP: 0.80 )
Ranked among companies with meaningful Share Buyback Rate only.
UVSP' s 10-Year Share Buyback Rate Range
Min: 7.3   Max: -9.1
Current: 0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
UVSP's Price/Tangible Book is ranked lower than
68% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. UVSP: 1.60 )
Ranked among companies with meaningful Price/Tangible Book only.
UVSP' s 10-Year Price/Tangible Book Range
Min: 1.02   Max: 4.21
Current: 1.6

1.02
4.21
Price/DCF (Projected) 0.90
UVSP's Price/DCF (Projected) is ranked lower than
64% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. UVSP: 0.90 )
Ranked among companies with meaningful Price/DCF (Projected) only.
UVSP' s 10-Year Price/DCF (Projected) Range
Min: 0.51   Max: 1.63
Current: 0.9

0.51
1.63
Price/Median PS Value 0.90
UVSP's Price/Median PS Value is ranked higher than
81% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UVSP: 0.90 )
Ranked among companies with meaningful Price/Median PS Value only.
UVSP' s 10-Year Price/Median PS Value Range
Min: 0.69   Max: 3.28
Current: 0.9

0.69
3.28
Price/Peter Lynch Fair Value 1.10
UVSP's Price/Peter Lynch Fair Value is ranked lower than
52% of the 472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. UVSP: 1.10 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UVSP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.65   Max: 3.57
Current: 1.1

0.65
3.57
Price/Graham Number 1.10
UVSP's Price/Graham Number is ranked lower than
68% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UVSP: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
UVSP' s 10-Year Price/Graham Number Range
Min: 0.74   Max: 1.87
Current: 1.1

0.74
1.87
Earnings Yield (Greenblatt) 8.30
UVSP's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. UVSP: 8.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
UVSP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 31.9
Current: 8.3

2.5
31.9
Forward Rate of Return (Yacktman) 16.81
UVSP's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. UVSP: 16.81 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
UVSP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -17.2   Max: 26.2
Current: 16.81

-17.2
26.2

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: 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 

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