Univest Financial Corporation
Univest Financial Corporation Fundamental Analysis
Univest Financial Corporation (UVSP) shows moderate financial fundamentals with a PE ratio of 10.28, profit margin of 17.51%, and ROE of 9.82%. The company generates $0.5B in annual revenue with strong year-over-year growth of 11.56%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 56.1/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze UVSP's fundamental strength across five key dimensions:
Efficiency Score
WeakUVSP struggles to generate sufficient returns from assets.
Valuation Score
ModerateUVSP shows balanced valuation metrics.
Growth Score
ModerateUVSP shows steady but slowing expansion.
Financial Health Score
ModerateUVSP shows balanced financial health with some risks.
Profitability Score
ModerateUVSP maintains healthy but balanced margins.
Key Financial Metrics
Is UVSP Expensive or Cheap?
P/E Ratio
UVSP trades at 10.28 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UVSP's PEG of 2.06 indicates potential overvaluation.
Price to Book
The market values Univest Financial Corporation at 0.99 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.57 times EBITDA. This is generally considered low.
How Well Does UVSP Make Money?
Net Profit Margin
For every $100 in sales, Univest Financial Corporation keeps $17.51 as profit after all expenses.
Operating Margin
Core operations generate 21.87 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.82 in profit for every $100 of shareholder equity.
ROA
Univest Financial Corporation generates $1.08 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Univest Financial Corporation produces operating cash flow of $101.87M, showing steady but balanced cash generation.
Free Cash Flow
Univest Financial Corporation generates strong free cash flow of $92.68M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $3.25 in free cash annually.
FCF Yield
UVSP converts 9.86% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.28
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
2.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.99
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.81
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.37
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.08
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How UVSP Stacks Against Its Sector Peers
| Metric | UVSP Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.28 | 18.62 | Better (Cheaper) |
| ROE | 9.82% | 816.00% | Weak |
| Net Margin | 17.51% | 2236.00% | Weak |
| Debt/Equity | 0.37 | 0.97 | Strong (Low Leverage) |
| Current Ratio | 0.08 | 692.23 | Weak Liquidity |
| ROA | 1.08% | -24827.00% (disorted) | Weak |
UVSP outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Univest Financial Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
79.40%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
15.78%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
2.89%
Industry Style: Value, Dividend, Cyclical
Growing