Univest Financial Corp

Finance
Major Banks
www.univest.net

Earnings Score
Safety Score

Market Cap $880.58M
PE 12
Debt $8.26M
Cash $504.70M
EV $384.13M
FCF $70.97M

Earnings

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Sales & Net Margins

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Earnings	$73.24M
EBIT	$91.94M
ROE	8%
ROA	1%
FCF	$70.97M
Equity	$877.07M
Growth Stability	88%
PE	12.02
PEG	1.31
PB	1
P/FCF	12.41
Price/Cash	0.57
Debt/Equity	0.01
Debt/FCF	0.12
Earnings CAGR	16%
FCF CAGR	13%
Equity CAGR	9%
Earnings Stability	0.67
Earnings Growth YoY	9%
Earnings Growth QoQ	3%

Earnings CAGR 5Y	9%
FCF CAGR 5Y	5%
Equity CAGR 5Y	6%
FCF CAGR 3Y	-17%
Equity CAGR 3Y	5%
Market Cap	$880.58M
Dividend Yield	3%
Payout Ratio	34%
Assets	$8.21B
Total Debt	$8.26M
Cash	$504.70M
Shares Outstanding	29.08M
EV	384.13M
Earnings Score	89%
Safety Score	97%
Shares Growth 3y	-0%
Equity Growth QoQ	3%
Equity Growth YoY	9%

Assets & ROA

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Stockholders Equity & ROE

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Univest Financial Corp provides commercial and consumer banking and a full range of banking and trust services. It has Banking, Wealth management, and Insurance segments. The Banking segments include banking services such as deposit-taking, loan origination, servicing, mortgage banking, other general banking services, and equipment lease financing; the Wealth Management segment offers trust and investment advisory services, guardian and custodian of employee benefits and other trust and brokerage services; and the Insurance segment includes insurance brokerage agency offering commercial property and casualty insurance, life and health coverage, employee benefits solutions, and others. It generates a majority of its revenue from the banking segment.

SEC Filings

Direct access to Univest Financial Corp (UVSP) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Univest Financial Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Univest Financial Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 16%

Stability 67%

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Univest Financial Corp Discounted Cash Flow

Fully customizable DCF calculator online for Univest Financial Corp.

Years

Calculation mode

= $1.7B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$71M	$80M	$90M	$101M	$114M	$128M	$145M	$163M	$183M	$206M	$232M	$2.3B
DCF		$73M	$74M	$76M	$78M	$80M	$82M	$84M	$85M	$87M	$90M	$895M
Value	$1.7B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-	-	-	-	-	-
ROA	-	1%	2%	2%	2%	1%	2%	1%	1%	1%
ROE	-	4%	7%	8%	10%	7%	12%	10%	8%	8%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	15.67	4.04	4.04	2.39	0.38	0.21	1.89	0.08	0.12
Debt over Equity	0.07	0.64	0.43	0.54	0.25	0.03	0.03	0.25	0.01	0.01
Growth Stability	-	-	-	100%	100%	88%	100%	100%	98%	88%

Good Debt/FCF ratio (0.12)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.01)

The company is not overleveraged and has a good balance between equity and debt.

Neutral Graham’s Stability (88%)

The company has a stability in its earnings that is not too good nor too bad.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-	-	-	-
Earnings YoY growth	-	-28%	126%	15%	30%	-29%	96%	-15%	-9%	9%
Equity YoY growth	-	40%	19%	3%	8%	3%	12%	0%	8%	6%
FCF YoY growth	-	-31%	213%	28%	-15%	-33%	103%	8%	-20%	5%