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Screener Weekly Summary Pricing

Heritage Financial Corporation (HFWA) vs Univest Corporation of Pennsylvania (UVSP)

Heritage Financial Corporation and Univest Corporation of Pennsylvania are both Banks Regional companies. Heritage Financial Corporation 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 13.4×. Heritage Financial Corporation grew revenue faster over the last twelve months: 17.2% against 2.67%. Heritage Financial Corporation has the higher net margin (20.4% vs 18.9%) and the lower return on invested capital (5.20% vs 8.98%). Both pay a dividend; Heritage Financial Corporation yields more (5.04% vs 4.38%). Across the 20 metrics below, Univest Corporation of Pennsylvania leads on 13 and Heritage Financial Corporation on 7.

Valuation

Metric HFWA UVSP Banks Regional median
P/E 13.41 12.08 12.15
P/S 3.08 2.24 2.37
P/B 1.06 1.23 1.21
Price to free cash flow 14.59 11.04 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.04 2.06 2.27
Earnings yield 7.46% 8.28% 8.11%
Free cash flow yield 6.85% 9.06% 8.98%

Profitability

Metric HFWA UVSP Banks Regional median
Gross margin 77.18% 65.06% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.44% 18.86% 18.66%
Free cash flow margin 21.11% 20.30% 21.18%
Return on equity 7.80% 10.52% 10.64%
Return on assets 1.01% 1.22% 1.13%
Return on invested capital 5.20% 8.98% 8.33%

Growth

Metric HFWA UVSP Banks Regional median
Revenue growth (TTM) 17.17% 2.67% 6.61%
EPS growth (last fiscal year) 58.06% 21.32% —
Revenue growth, 5-year CAGR 5.96% 12.93% 12.30%
Net income growth, 5-year CAGR 7.72% 14.14% 9.71%

Health

Metric HFWA UVSP Banks Regional median
Debt to equity 0.17 0.10 0.22
Current ratio 0.83 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HFWA UVSP Banks Regional median
Dividend yield 5.04% 4.38% 3.75%
Payout ratio 0.38 0.30 0.27

Size

Metric HFWA UVSP Banks Regional median
Market cap 1.16b 1.15b 921.07m

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