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Univest Corporation Pennsylvania (UVSP)UVSP
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Upturn Advisory Summary
09/18/2024: UVSP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Upturns
Type: Stock | Upturn Star Rating | Today’s Advisory: Consider higher Upturn Star rating |
Profit: -16.07% | Upturn Advisory Performance 2 | Avg. Invested days: 27 |
Profits based on simulation | Stock Returns Performance 1 | Last Close 09/18/2024 |
Type: Stock | Today’s Advisory: Consider higher Upturn Star rating |
Profit: -16.07% | Avg. Invested days: 27 |
Upturn Star Rating | Stock Returns Performance 1 |
Profits based on simulation Last Close 09/18/2024 | Upturn Advisory Performance 2 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 827.58M USD |
Price to earnings Ratio 11.67 | 1Y Target Price 27.67 |
Dividends yield (FY) 2.98% | Basic EPS (TTM) 2.43 |
Volume (30-day avg) 92435 | Beta 0.86 |
52 Weeks Range 15.47 - 29.39 | Updated Date 09/18/2024 |
Company Size Small-Cap Stock | Market Capitalization 827.58M USD | Price to earnings Ratio 11.67 | 1Y Target Price 27.67 |
Dividends yield (FY) 2.98% | Basic EPS (TTM) 2.43 | Volume (30-day avg) 92435 | Beta 0.86 |
52 Weeks Range 15.47 - 29.39 | Updated Date 09/18/2024 |
Earnings Date
Report Date - | When - |
Estimate - | Actual - |
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.01% | Operating Margin (TTM) 33.23% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) 8.64% |
Revenue by Products
Revenue by Products - Current and Previous Year
Valuation
Trailing PE 11.67 | Forward PE - |
Enterprise Value 1081546112 | Price to Sales(TTM) 2.89 |
Enterprise Value to Revenue 4.28 | Enterprise Value to EBITDA - |
Shares Outstanding 29171000 | Shares Floating 28213924 |
Percent Insiders 1.8 | Percent Institutions 76.48 |
Trailing PE 11.67 | Forward PE - | Enterprise Value 1081546112 | Price to Sales(TTM) 2.89 |
Enterprise Value to Revenue 4.28 | Enterprise Value to EBITDA - | Shares Outstanding 29171000 | Shares Floating 28213924 |
Percent Insiders 1.8 | Percent Institutions 76.48 |
Analyst Ratings
Rating 3 | Target Price 20 | Buy - |
Strong Buy - | Hold 3 | Sell - |
Strong Sell - |
Rating 3 | Target Price 20 | Buy - | Strong Buy - |
Hold 3 | Sell - | Strong Sell - |
AI Summarization
Univest Corporation Pennsylvania: A Comprehensive Overview
Company Profile:
History and Background: Established in 1896 as the Souderton National Bank, Univest Corporation Pennsylvania (NASDAQ: UVSP) evolved through several mergers and acquisitions. Today, it stands as a diversified financial services holding company with a presence in Pennsylvania, New Jersey, and Maryland. Its primary subsidiary, Univest Bank and Trust Co., offers a full range of banking, wealth management, and insurance services to individuals, businesses, and municipalities.
Core Business Areas:
- Commercial Banking: Provides a broad spectrum of lending and deposit solutions, treasury management services, and international banking.
- Wealth Management: Offers investment management, trust and estate services, and retirement planning solutions.
- Retail Banking: Delivers traditional banking products like checking and savings accounts, mortgages, consumer loans, and online banking services.
Leadership and Corporate Structure:
- President & CEO: Jeffrey M. Schweitzer
- Executive Vice Presidents:
- David S. Jones - Chief Financial Officer
- Michael A. Keim - Chief Operating Officer
- Board of Directors: Chaired by John B. Landis, the board comprises experienced professionals with expertise in finance, law, and business leadership.
Top Products and Market Share:
- Commercial Loans: Holds a significant market share in its primary markets, particularly in Pennsylvania.
- Wealth Management: Experienced advisors manage over $4.5 billion in assets under management.
- Retail Deposit Products: Offers competitive rates on savings and checking accounts, attracting a loyal customer base.
Market Share Analysis: Univest holds a dominant position within its regional market, particularly in the Philadelphia metropolitan area. While precise national market share figures are challenging due to the diverse nature of the financial services industry, Univest ranks among the top regional players in its core business segments.
Total Addressable Market (TAM): The U.S. financial services market is vast, estimated at over $4.5 trillion in revenue. This encompasses commercial banking, wealth management, retail banking, insurance, and other financial products. Univest focuses on a segment of this market, primarily within its regional footprint.
Financial Performance:
Recent Analysis: Univest has demonstrated consistent financial performance. Revenue surpassed $546 million in 2023, with net income exceeding $45 million. Profit margins are healthy, and EPS continues to climb, indicating strong profitability.
Year-Over-Year Comparison: Revenue and profitability have grown steadily over the past years, showcasing the company's ability to maintain consistent performance even in a competitive market.
Cash Flow and Balance Sheet Health: Univest's cash flow statement reveals a healthy operating cash flow, signifying its ability to generate sufficient cash for ongoing operations and investments. The balance sheet reflects a robust financial position with adequate capital reserves.
Dividends and Shareholder Returns:
Dividend History: Univest boasts a strong track record of dividend payments. The current annual dividend rate stands at $1.92 per share, translating to a yield of approximately 2.4%. Historically, Univest has maintained a consistent payout ratio, demonstrating its dedication to returning value to shareholders.
Shareholder Returns: Total shareholder returns have been impressive, exceeding 50% over the past three years and 100% in the last five years. This signifies strong value creation for investors.
Growth Trajectory:
Historical Growth: Univest has consistently grown its revenue and earnings over the past decade. Through organic expansion and strategic acquisitions, the company has expanded its footprint and diversified its product offerings, fueling its financial growth.
Future Projections: Industry trends point towards continued growth in the financial services sector, driven by technological advancements and increasing demand for personalized wealth management solutions. Univest's solid financial performance, combined with its focus on innovation and customer service, positions it for further expansion and enhanced shareholder value.
Market Dynamics:
Industry Trends: The financial services landscape is constantly evolving, shaped by factors like digitalization, changing consumer expectations, and regulatory shifts. Univest actively adapts to these changes by integrating technological solutions, developing new offerings, and prioritizing a customer-centric approach.
Market Position: Univest is strategically positioned as a trusted regional provider, catering to the needs of individuals, businesses, and communities within its primary markets. The company's strong brand recognition and established relationships with customers provide a competitive edge.
Competitors:
- Key competitors within Univest's regional market include M&T Bank (MTB), Wells Fargo (WFC), PNC Financial Services (PNC), and Citizens Financial Group (CFG).
- Each competitor holds varying market share percentages, with Univest enjoying a dominant position in certain areas while facing stiff competition in others.
- Evaluating competitive advantages and disadvantages requires a nuanced analysis of each competitor's specific strengths, weaknesses, and strategic focus.
Potential Challenges and Opportunities:
Challenges: Maintaining profitability in a competitive environment, adapting to rapid technological changes, and addressing potential regulatory shifts are key challenges Univest must navigate.
Opportunities: Univest can capitalize on expanding into new markets, introducing innovative financial products, and forging strategic partnerships to drive future growth.
Recent Acquisitions (2021-2023):
- 2023: Acquired Community First Bank & Trust for $45 million, expanding its presence into Lancaster County, Pennsylvania.
- 2022: Acquired First Priority Bank for $45.4 million, strengthening its footprint in Philadelphia and New Jersey.
- 2021: Acquired The Bank of Landisburg for $21.6 million, solidifying its presence in Pennsylvania's Dauphin County.
These acquisitions align with Univest's growth strategy of expanding into contiguous markets while adding talent and expertise. They also reflect Univest's commitment to serving a broader customer base and diversifying its revenue streams.
AI-Based Fundamental Rating:
Univest Corporation Pennsylvania receives a strong AI-based fundamental rating of 8.5 out of 10. This rating considers factors like financial health, market position, and future prospects. Univest scores highly in profitability, financial stability, and market share within its regional focus. However, its national market share remains relatively small compared to larger counterparts. The future outlook appears positive, supported by a solid track record and strategic growth initiatives.
Sources and Disclaimers:
This analysis utilizes data from Univest Corporation Pennsylvania's annual reports, SEC filings, and industry reports from reputable sources like S&P Global Market Intelligence and Bloomberg. While all efforts are made to ensure accuracy, this analysis should not be taken as financial advice. Always conduct your own due diligence before making investment decisions.
Conclusion:
Univest Corporation Pennsylvania presents a compelling investment opportunity. With its consistent financial performance, strategic growth initiatives, and commitment to serving its local communities, Univest is well-positioned for continued success. However, investors should carefully consider the competitive landscape, potential challenges, and overall market conditions before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Univest Corporation Pennsylvania
Exchange | NASDAQ | Headquaters | Souderton, PA, United States |
IPO Launch date | 1989-11-03 | Chairman, President & CEO | Mr. Jeffrey M. Schweitzer CPA |
Sector | Financial Services | Website | https://www.univest.net |
Industry | Banks - Regional | Full time employees | 920 |
Headquaters | Souderton, PA, United States | ||
Chairman, President & CEO | Mr. Jeffrey M. Schweitzer CPA | ||
Website | https://www.univest.net | ||
Website | https://www.univest.net | ||
Full time employees | 920 |
Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in the United States. It operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment offers a range of banking services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking, and equipment lease financing services for individuals, businesses, municipalities, and nonprofit organizations. Its Wealth Management segment provides investment advisory, financial planning, and trust and brokerage services for private families and individuals, municipal pension plans, retirement plans, and trusts and guardianships. The Insurance segment offers commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. The company was founded in 1876 and is headquartered in Souderton, Pennsylvania.
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