Univest Financial Corporation
Find Ratings ReportsUNIVEST FINANCIAL CORP's gross profit margin for the fourth quarter of its fiscal year 2023 has significantly decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.
During the same period, stockholders' equity ("net worth") has increased by 8.07% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 119.85 | 97.33 |
EBITDA ($mil) | 36.31 | 43.87 |
EBIT ($mil) | 35.01 | 42.73 |
Net Income ($mil) | 16.25 | 23.84 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 249.8 | 152.8 |
Total Assets ($mil) | 7780.63 | 7222.02 |
Total Debt ($mil) | 499.92 | 473.55 |
Equity ($mil) | 839.21 | 776.5 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 57.95 | 78.53 |
EBITDA Margin | 30.29 | 45.07 |
Operating Margin | 29.21 | 43.9 |
Sales Turnover | 0.06 | 0.05 |
Return on Assets | 0.91 | 1.08 |
Return on Equity | 8.47 | 10.06 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.37 | 0.38 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 29.51 | 29.27 |
Div / share | 0.21 | 0.21 |
EPS | 0.55 | 0.81 |
Book value / share | 28.44 | 26.53 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 113716.0 | 106525.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.79 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 0.68 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.59. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, UNIVEST FINANCIAL CORP proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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UVSP 8.00 | Peers 17.79 | UVSP 6.34 | Peers 20.37 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. UVSP is trading at a significant discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. UVSP is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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UVSP 9.64 | Peers 13.90 | UVSP NM | Peers 1.74 | |||||||||||||||||||||
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations. UVSP is trading at a significant discount to its peers. |
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. UVSP's negative PEG ratio makes this valuation measure meaningless. |
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Price/Book |
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Earnings Growth |
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UVSP 0.68 | Peers 8.59 | UVSP -9.06 | Peers 24.93 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. UVSP is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, UVSP is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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UVSP 1.27 | Peers 4.86 | UVSP 36.29 | Peers 44.98 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. UVSP is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. UVSP trails its peers on the basis of sales growth. |
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