Univest Pennsylvania Financials

UVSP Stock  USD 31.55  0.63  2.04%   
Based on the key measurements obtained from Univest Pennsylvania's financial statements, Univest Pennsylvania is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At this time, Univest Pennsylvania's Liabilities And Stockholders Equity is relatively stable compared to the past year. As of 11/25/2024, Non Current Liabilities Total is likely to grow to about 7.2 B, while Property Plant And Equipment Net is likely to drop slightly above 42.3 M. Key indicators impacting Univest Pennsylvania's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.480.2486
Way Up
Pretty Stable
Return On Assets0.01240.0091
Significantly Up
Pretty Stable
Return On Equity0.120.0847
Significantly Up
Pretty Stable
Debt Equity Ratio0.340.5467
Way Down
Slightly volatile
Operating Income66 M95 M
Way Down
Slightly volatile
Current Ratio5.996.3042
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for Univest Pennsylvania includes many different criteria found on its balance sheet. An individual investor should monitor Univest Pennsylvania's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Univest Pennsylvania.

Net Income

74.66 Million

  
Understanding current and past Univest Pennsylvania Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Univest Pennsylvania's financial statements are interrelated, with each one affecting the others. For example, an increase in Univest Pennsylvania's assets may result in an increase in income on the income statement.

Univest Pennsylvania Stock Summary

Univest Pennsylvania competes with Waterstone Financial, Mid Penn, ST Bancorp, Republic Bancorp, and Southern Missouri. Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in Pennsylvania. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania. Univest Corp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 920 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS9152711001
CUSIP915271100
LocationPennsylvania; U.S.A
Business Address14 North Main
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.univest.net
Phone215 721 2400
CurrencyUSD - US Dollar

Univest Pennsylvania Key Financial Ratios

Univest Pennsylvania Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets5.4B6.3B7.1B7.2B7.8B8.2B
Other Current Liab(63.2M)(52.2M)(46.1M)(209.7M)12.4M11.8M
Net Debt176.1M111.3M(662.8M)320.8M243.8M256.0M
Retained Earnings288.8M306.9M375.1M428.6M474.7M498.4M
Cash125.1M219.9M890.2M152.8M249.8M262.3M
Other Assets4.1B5.1B4.9B6.0B(239.5M)(227.5M)
Total Liab4.7B5.6B6.3B6.4B6.9B7.3B
Total Current Assets542.5M627.4M1.4B660.4M259.5M246.5M
Short Term Debt18.7M55.6M53.6M125M96.0M58.3M
Net Receivables170.5M188.9M208.9M239.5M277.6M291.4M
Other Liab724K89.9M79.5M11.1M12.8M12.1M
Accounts Payable44.5M52.2M46.1M14.5M28.7M27.3M
Long Term Debt244.9M293.5M193.9M243.3M458.8M481.7M
Treasury Stock(44.7M)(46.3M)(41.9M)(48.6M)(43.8M)(46.0M)
Intangible Assets10.3M8.9M11.8M11.4M11.0M11.1M
Other Current Assets153.7M255.2M921.1M213.5M9.7M9.2M
Inventory(153.7M)(255.2M)(921.1M)19.3M(204.8M)(194.5M)
Net Tangible Assets492.3M511.0M773.8M589.6M678.0M441.7M
Long Term Debt Total244.9M293.5M193.9M243.3M279.7M193.9M
Capital Surpluse295.0M296.2M299.2M300.8M345.9M230.9M

Univest Pennsylvania Key Income Statement Accounts

The reason investors look at the income statement is to determine what Univest Pennsylvania's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense44.9M29.6M21.3M33.9M151.7M159.3M
Total Revenue234.7M252.7M271.6M296.2M286.1M300.4M
Gross Profit234.7M252.7M271.6M296.2M286.1M300.4M
Operating Income80.1M56.9M114.3M133.3M95.0M66.0M
Ebit80.1M(8.2M)114.3M(8.0M)(11.0M)(10.4M)
Ebitda85.5M(2.2M)120.0M(2.3M)(6.3M)(6.0M)
Income Before Tax80.1M56.9M114.3M97.2M88.7M93.1M
Net Income65.7M46.9M91.8M78.1M71.1M74.7M
Income Tax Expense14.3M10.0M22.5M19.1M17.6M9.4M
Tax Provision14.3M10.0M22.5M19.1M19.2M14.8M
Net Interest Income169.2M174.4M188.4M218.3M229.2M171.7M
Interest Income214.1M203.9M209.7M252.2M347.9M207.5M

Univest Pennsylvania Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash15.7M94.7M670.3M(737.4M)97M101.9M
Free Cash Flow70.7M47.4M96.5M104.2M83.0M87.2M
Depreciation5.4M5.0M3.2M3.8M4.6M3.4M
Other Non Cash Items2.4M1.9M1.0M23.9M2.5M2.6M
Dividends Paid23.4M17.5M23.6M24.6M25.1M13.2M
Capital Expenditures2.4M3.8M5.9M5.2M6.7M3.9M
Net Income65.7M46.9M91.8M78.1M71.1M74.7M
End Period Cash Flow125.1M219.9M890.2M152.8M249.8M262.3M
Investments(341.7M)82.2M(125.2M)(59.2M)(747.0M)(709.6M)
Net Borrowings(166.1M)47.7M(97.8M)226.1M260.0M273.0M
Change To Netincome(2.0M)(8.3M)5.9M26.1M30.0M31.5M

Univest Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Univest Pennsylvania's current stock value. Our valuation model uses many indicators to compare Univest Pennsylvania value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Univest Pennsylvania competition to find correlations between indicators driving Univest Pennsylvania's intrinsic value. More Info.
Univest Pennsylvania is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Univest Pennsylvania is roughly  9.56 . At this time, Univest Pennsylvania's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Univest Pennsylvania by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Univest Pennsylvania Systematic Risk

Univest Pennsylvania's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Univest Pennsylvania volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Univest Pennsylvania correlated with the market. If Beta is less than 0 Univest Pennsylvania generally moves in the opposite direction as compared to the market. If Univest Pennsylvania Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Univest Pennsylvania is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Univest Pennsylvania is generally in the same direction as the market. If Beta > 1 Univest Pennsylvania moves generally in the same direction as, but more than the movement of the benchmark.

Univest Pennsylvania Thematic Clasifications

Univest Pennsylvania is part of Banks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All money banks and credit services. Large and small money and credit banks and credit services
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This theme covers All money banks and credit services. Large and small money and credit banks and credit services. Get More Thematic Ideas
Today, most investors in Univest Pennsylvania Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Univest Pennsylvania's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Univest Pennsylvania growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.92)

At this time, Univest Pennsylvania's Price Earnings To Growth Ratio is relatively stable compared to the past year.

Univest Pennsylvania November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Univest Pennsylvania help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Univest Pennsylvania. We use our internally-developed statistical techniques to arrive at the intrinsic value of Univest Pennsylvania based on widely used predictive technical indicators. In general, we focus on analyzing Univest Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Univest Pennsylvania's daily price indicators and compare them against related drivers.

Additional Tools for Univest Stock Analysis

When running Univest Pennsylvania's price analysis, check to measure Univest Pennsylvania's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Univest Pennsylvania is operating at the current time. Most of Univest Pennsylvania's value examination focuses on studying past and present price action to predict the probability of Univest Pennsylvania's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Univest Pennsylvania's price. Additionally, you may evaluate how the addition of Univest Pennsylvania to your portfolios can decrease your overall portfolio volatility.