Amerant Bancorp Inc. (AMTB) vs Univest Corporation of Pennsylvania (UVSP)

Amerant Bancorp Inc. and Univest Corporation of Pennsylvania are both Banks Regional companies. Amerant Bancorp Inc. and Univest Corporation of Pennsylvania are of similar size ($1.2B and $1.2B). Univest Corporation of Pennsylvania trades at the lower P/E: 12.1× against 21.1×. Amerant Bancorp Inc. grew revenue faster over the last twelve months: 4.23% against 2.67%. Univest Corporation of Pennsylvania has the higher net margin (18.9% vs 8.76%) and the higher return on invested capital (8.98% vs 3.15%). Both pay a dividend; Univest Corporation of Pennsylvania yields more (4.38% vs 1.62%). Across the 20 metrics below, Univest Corporation of Pennsylvania leads on 13 and Amerant Bancorp Inc. on 7.

Valuation

Metric AMTB UVSP Banks Regional median
P/E 21.14 12.08 12.15
P/S 1.81 2.24 2.37
P/B 1.27 1.23 1.21
Price to free cash flow 9.81 11.04 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.58 2.06 2.27
Earnings yield 4.73% 8.28% 8.11%
Free cash flow yield 10.19% 9.06% 8.98%

Profitability

Metric AMTB UVSP Banks Regional median
Gross margin 65.59% 65.06% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.76% 18.86% 18.66%
Free cash flow margin 18.43% 20.30% 21.18%
Return on equity 6.13% 10.52% 10.64%
Return on assets 0.55% 1.22% 1.13%
Return on invested capital 3.15% 8.98% 8.33%

Growth

Metric AMTB UVSP Banks Regional median
Revenue growth (TTM) 4.23% 2.67% 6.61%
EPS growth (last fiscal year) 386.36% 21.32% —
Revenue growth, 5-year CAGR 15.14% 12.93% 12.30%
Net income growth, 5-year CAGR 0.00% 14.14% 9.71%

Health

Metric AMTB UVSP Banks Regional median
Debt to equity 0.87 0.10 0.22
Current ratio 0.86 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AMTB UVSP Banks Regional median
Dividend yield 1.62% 4.38% 3.75%
Payout ratio 0.18 0.30 0.27

Size

Metric AMTB UVSP Banks Regional median
Market cap 1.15b 1.15b 921.07m

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