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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.16
UVSP's Cash-to-Debt is ranked lower than
89% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. UVSP: 0.16 )
Ranked among companies with meaningful Cash-to-Debt only.
UVSP' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.53 Max: No Debt
Current: 0.16
Equity-to-Asset 0.12
UVSP's Equity-to-Asset is ranked higher than
68% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UVSP: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
UVSP' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.1 Max: 0.13
Current: 0.12
0.09
0.13
Interest Coverage 1.97
UVSP's Interest Coverage is ranked higher than
54% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. UVSP: 1.97 )
Ranked among companies with meaningful Interest Coverage only.
UVSP' s Interest Coverage Range Over the Past 10 Years
Min: 0.39  Med: 2.05 Max: 7.43
Current: 1.97
0.39
7.43
Beneish M-Score: -3.27
WACC vs ROIC
4.95%
3.26%
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 % 15.42
UVSP's Operating Margin % is ranked lower than
83% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. UVSP: 15.42 )
Ranked among companies with meaningful Operating Margin % only.
UVSP' s Operating Margin % Range Over the Past 10 Years
Min: 11.63  Med: 23 Max: 39.1
Current: 15.42
11.63
39.1
Net Margin % 12.67
UVSP's Net Margin % is ranked lower than
80% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. UVSP: 12.67 )
Ranked among companies with meaningful Net Margin % only.
UVSP' s Net Margin % Range Over the Past 10 Years
Min: 11.05  Med: 18.11 Max: 28.62
Current: 12.67
11.05
28.62
ROE % 5.05
UVSP's ROE % is ranked lower than
75% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. UVSP: 5.05 )
Ranked among companies with meaningful ROE % only.
UVSP' s ROE % Range Over the Past 10 Years
Min: 4.46  Med: 7.46 Max: 13.31
Current: 5.05
4.46
13.31
ROA % 0.62
UVSP's ROA % is ranked lower than
68% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. UVSP: 0.62 )
Ranked among companies with meaningful ROA % only.
UVSP' s ROA % Range Over the Past 10 Years
Min: 0.52  Med: 0.94 Max: 1.31
Current: 0.62
0.52
1.31
3-Year Revenue Growth Rate 0.70
UVSP's 3-Year Revenue Growth Rate is ranked lower than
69% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. UVSP: 0.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UVSP' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.1  Med: 4.65 Max: 104.8
Current: 0.7
-3.1
104.8
3-Year EBITDA Growth Rate -12.10
UVSP's 3-Year EBITDA Growth Rate is ranked lower than
88% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. UVSP: -12.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UVSP' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -30.5  Med: 3.3 Max: 21.6
Current: -12.1
-30.5
21.6
3-Year EPS without NRI Growth Rate -13.10
UVSP's 3-Year EPS without NRI Growth Rate is ranked lower than
87% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UVSP: -13.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UVSP' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -27.3  Med: 5.95 Max: 18.2
Current: -13.1
-27.3
18.2
GuruFocus has detected 10 Warning Signs with Univest Corp of Pennsylvania $UVSP.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UVSP's 30-Y Financials

Financials (Next Earnings Date: 2017-07-27 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:ORIT, NAS:TCBK, NAS:HFWA, NAS:OPB, NAS:CTBI, NAS:FBNC, NAS:RBCAA, NAS:MSFG, NAS:TRST, NAS:GSBC, NAS:GBNK, NAS:GABC, NAS:NFBK, NAS:SYBT, NAS:PFBC, NYSE:CUBI, NAS:CNOB, NYSE:NBHC, NAS:GNBC, NAS:XBKS » details
Headquarter Location:USA
Univest Corp of Pennsylvania provides commercial and consumer banking and a full range of banking and trust services. It has banking, wealth management, and insurance segments.

Univest Corp of Pennsylvania provides commercial and consumer banking and a full range of banking and trust services. It has banking, wealth management, and insurance segments. The activities of these segments consists of financial services such as deposit taking, loan origination and servicing, mortgage banking and equipment lease financing to consumers, businesses and governmental units, trust and management advisory services including guardian and custodian of employee benefits and other trust and brokerage services and also management of private investment account by registered investment advisory for individuals and institutions, commercial property and casualty insurance, group life and health coverage, employee benefit solutions, personal insurance and human resource consulting.

Ratios

vs
industry
vs
history
PE Ratio 30.68
UVSP's PE Ratio is ranked lower than
89% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. UVSP: 30.68 )
Ranked among companies with meaningful PE Ratio only.
UVSP' s PE Ratio Range Over the Past 10 Years
Min: 9.4  Med: 14.76 Max: 33.99
Current: 30.68
9.4
33.99
PE Ratio without NRI 30.68
UVSP's PE Ratio without NRI is ranked lower than
89% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. UVSP: 30.68 )
Ranked among companies with meaningful PE Ratio without NRI only.
UVSP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.4  Med: 14.76 Max: 33.99
Current: 30.68
9.4
33.99
Price-to-Owner-Earnings 27.14
UVSP's Price-to-Owner-Earnings is ranked lower than
86% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. UVSP: 27.14 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UVSP' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.64  Med: 13.85 Max: 171.33
Current: 27.14
7.64
171.33
PB Ratio 1.52
UVSP's PB Ratio is ranked lower than
70% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UVSP: 1.52 )
Ranked among companies with meaningful PB Ratio only.
UVSP' s PB Ratio Range Over the Past 10 Years
Min: 0.77  Med: 1.14 Max: 2.22
Current: 1.52
0.77
2.22
PS Ratio 3.94
UVSP's PS Ratio is ranked lower than
60% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. UVSP: 3.94 )
Ranked among companies with meaningful PS Ratio only.
UVSP' s PS Ratio Range Over the Past 10 Years
Min: 1.92  Med: 2.76 Max: 4.9
Current: 3.94
1.92
4.9
Price-to-Free-Cash-Flow 24.60
UVSP's Price-to-Free-Cash-Flow is ranked lower than
86% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. UVSP: 24.60 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UVSP' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.9  Med: 12.19 Max: 37.04
Current: 24.6
4.9
37.04
Price-to-Operating-Cash-Flow 17.19
UVSP's Price-to-Operating-Cash-Flow is ranked lower than
81% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. UVSP: 17.19 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UVSP' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.72  Med: 10.47 Max: 22.58
Current: 17.19
4.72
22.58
EV-to-EBIT 38.29
UVSP's EV-to-EBIT is ranked lower than
89% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. UVSP: 38.29 )
Ranked among companies with meaningful EV-to-EBIT only.
UVSP' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.1  Med: 11.1 Max: 50.4
Current: 38.29
3.1
50.4
EV-to-EBITDA 33.71
UVSP's EV-to-EBITDA is ranked lower than
89% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. UVSP: 33.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
UVSP' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.8  Med: 10.2 Max: 43.8
Current: 33.71
2.8
43.8
Shiller PE Ratio 21.39
UVSP's Shiller PE Ratio is ranked lower than
54% of the 510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.16 vs. UVSP: 21.39 )
Ranked among companies with meaningful Shiller PE Ratio only.
UVSP' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.31  Med: 11.46 Max: 22.96
Current: 21.39
7.31
22.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.74
UVSP's Dividend Yield % is ranked higher than
51% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. UVSP: 2.74 )
Ranked among companies with meaningful Dividend Yield % only.
UVSP' s Dividend Yield % Range Over the Past 10 Years
Min: 2.28  Med: 4.05 Max: 6.32
Current: 2.74
2.28
6.32
Dividend Payout Ratio 0.91
UVSP's Dividend Payout Ratio is ranked lower than
93% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UVSP: 0.91 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UVSP' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.4  Med: 0.64 Max: 1.07
Current: 0.91
0.4
1.07
Forward Dividend Yield % 2.74
UVSP's Forward Dividend Yield % is ranked lower than
52% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. UVSP: 2.74 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.73
UVSP's 5-Year Yield-on-Cost % is ranked lower than
62% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. UVSP: 2.73 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UVSP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.28  Med: 4.05 Max: 6.32
Current: 2.73
2.28
6.32
3-Year Average Share Buyback Ratio -17.70
UVSP's 3-Year Average Share Buyback Ratio is ranked lower than
87% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. UVSP: -17.70 )
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: -17.7  Med: 0.1 Max: 4.2
Current: -17.7
-17.7
4.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.40
UVSP's Price-to-Tangible-Book is ranked lower than
87% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. UVSP: 2.40 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UVSP' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.02  Med: 1.73 Max: 4.21
Current: 2.4
1.02
4.21
Price-to-Intrinsic-Value-Projected-FCF 1.13
UVSP's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
78% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. UVSP: 1.13 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UVSP' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.49  Med: 0.71 Max: 1.82
Current: 1.13
0.49
1.82
Price-to-Median-PS-Value 1.43
UVSP's Price-to-Median-PS-Value is ranked lower than
76% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. UVSP: 1.43 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UVSP' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.73  Med: 1.12 Max: 3.49
Current: 1.43
0.73
3.49
Price-to-Graham-Number 1.81
UVSP's Price-to-Graham-Number is ranked lower than
92% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. UVSP: 1.81 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UVSP' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.46  Med: 1.09 Max: 1.98
Current: 1.81
0.46
1.98
Earnings Yield (Greenblatt) % 2.61
UVSP's Earnings Yield (Greenblatt) % is ranked lower than
68% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. UVSP: 2.61 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UVSP' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2  Med: 9 Max: 31.9
Current: 2.61
2
31.9
Forward Rate of Return (Yacktman) % 4.43
UVSP's Forward Rate of Return (Yacktman) % is ranked lower than
70% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. UVSP: 4.43 )
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: 8.65 Max: 25.8
Current: 4.43
-14.4
25.8

More Statistics

Revenue (TTM) (Mil) $182.09
EPS (TTM) $ 0.95
Beta0.52
Short Percentage of Float1.75%
52-Week Range $19.72 - 31.50
Shares Outstanding (Mil)26.66
» More Articles for UVSP

Headlines

Articles On GuruFocus.com
Univest Corporation Declares Second Quarter Dividend May 22 2017 
Univest Corporation of Pennsylvania to Hold First Quarter Earnings Conference Call on April 27, 2017 Apr 11 2017 
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 

More From Other Websites
Univest Corp. of Pennsylvania : UVSP-US: Dividend Analysis : June 06th, 2017 (record date) : By the... Jun 07 2017
Univest Corp. of Pennsylvania breached its 50 day moving average in a Bullish Manner : UVSP-US :... Jun 02 2017
Univest Corporation Declares Second Quarter Dividend May 22 2017
ETFs with exposure to Univest Corp. of Pennsylvania : May 16, 2017 May 16 2017
Univest Corp. of Pennsylvania :UVSP-US: Earnings Analysis: Q1, 2017 By the Numbers : May 4, 2017 May 04 2017
Edited Transcript of UVSP earnings conference call or presentation 27-Apr-17 1:00pm GMT May 01 2017
Univest Corporation of Pennsylvania – Univest Bank and Trust Co. - Reports First Quarter Results Apr 26 2017
Univest Corp. of Pennsylvania breached its 50 day moving average in a Bullish Manner : UVSP-US :... Apr 19 2017
Univest Corporation of Pennsylvania to Hold First Quarter Earnings Conference Call on April 27, 2017 Apr 11 2017
Univest Corp. of Pennsylvania : UVSP-US: Dividend Analysis : March 08th, 2017 (record date) : By the... Apr 03 2017
Univest Corp. of Pennsylvania breached its 50 day moving average in a Bearish Manner : UVSP-US :... Mar 21 2017
ETFs with exposure to Univest Corp. of Pennsylvania : February 2, 2017 Feb 02 2017
Univest Corp. of Pennsylvania :UVSP-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1,... Feb 01 2017
Univest Corp. of Pennsylvania : UVSP-US: Dividend Analysis : December 07th, 2016 (record date) : By... Jan 30 2017
Univest posts 4Q profit Jan 25 2017
ETFs with exposure to Univest Corp. of Pennsylvania : January 20, 2017 Jan 20 2017
Univest Corp. of Pennsylvania breached its 50 day moving average in a Bearish Manner : UVSP-US :... Jan 18 2017

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