Five Star Bancorp (FSBC) vs Univest Corporation of Pennsylvania (UVSP)

Five Star Bancorp and Univest Corporation of Pennsylvania are both Banks Regional companies. Five Star Bancorp and Univest Corporation of Pennsylvania are of similar size ($1.2B and $1.1B). Univest Corporation of Pennsylvania trades at the lower P/E: 12.1× against 12.9×. Five Star Bancorp grew revenue faster over the last twelve months: 18.6% against 2.67%. Five Star Bancorp has the higher net margin (25.9% vs 18.9%) and the lower return on invested capital (0.00% vs 8.98%). Both pay a dividend; Univest Corporation of Pennsylvania yields more (4.38% vs 3.44%). Across the 20 metrics below, Five Star Bancorp leads on 10 and Univest Corporation of Pennsylvania on 10.

Valuation

Metric FSBC UVSP Banks Regional median
P/E 12.94 12.08 12.15
P/S 3.35 2.24 2.37
P/B 1.96 1.23 1.21
Price to free cash flow 11.56 11.04 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.32 2.06 2.27
Earnings yield 7.73% 8.28% 8.11%
Free cash flow yield 8.65% 9.06% 8.98%

Profitability

Metric FSBC UVSP Banks Regional median
Gross margin 64.01% 65.06% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.92% 18.86% 18.66%
Free cash flow margin 28.97% 20.30% 21.18%
Return on equity 16.17% 10.52% 10.64%
Return on assets 1.47% 1.22% 1.13%
Return on invested capital 0.00% 8.98% 8.33%

Growth

Metric FSBC UVSP Banks Regional median
Revenue growth (TTM) 18.58% 2.67% 6.61%
EPS growth (last fiscal year) 28.32% 21.32% —
Revenue growth, 5-year CAGR 25.01% 12.93% 12.30%
Net income growth, 5-year CAGR 11.39% 14.14% 9.71%

Health

Metric FSBC UVSP Banks Regional median
Debt to equity 0.00 0.10 0.22
Current ratio 1.06 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSBC UVSP Banks Regional median
Dividend yield 3.44% 4.38% 3.75%
Payout ratio 0.22 0.30 0.27

Size

Metric FSBC UVSP Banks Regional median
Market cap 1.07b 1.15b 921.07m

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