Preferred Bank (PFBC) vs Univest Corporation of Pennsylvania (UVSP)

Preferred Bank and Univest Corporation of Pennsylvania are both Banks Regional companies. Preferred Bank and Univest Corporation of Pennsylvania are of similar size ($1.2B and $1.1B). Preferred Bank trades at the lower P/E: 9.4× against 11.8×. Univest Corporation of Pennsylvania grew revenue faster over the last twelve months: 2.67% against 1.04%. Preferred Bank has the higher net margin (26.5% vs 18.9%) and the higher return on invested capital (34.3% vs 8.98%). Both pay a dividend; Preferred Bank yields more (3.06% vs 2.18%). Across the 19 metrics below, Preferred Bank leads on 12 and Univest Corporation of Pennsylvania on 7.

Valuation

Metric PFBC UVSP Banks Regional median
P/E 9.37 11.82 11.98
P/S 2.42 2.19 2.34
P/B 1.56 1.20 1.19
Price to free cash flow 8.80 10.80 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.68% 8.46% 8.23%
Free cash flow yield 11.37% 9.26% 9.08%

Profitability

Metric PFBC UVSP Banks Regional median
Gross margin 58.03% 65.06% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.54% 18.86% 18.66%
Free cash flow margin 27.55% 20.30% 21.11%
Return on equity 17.23% 10.52% 10.65%
Return on assets 1.83% 1.22% 1.13%
Return on invested capital 34.31% 8.98% 8.35%

Growth

Metric PFBC UVSP Banks Regional median
Revenue growth (TTM) 1.04% 2.67% 6.98%
EPS growth (last fiscal year) 7.99% 21.32% 18.88%
Revenue growth, 5-year CAGR 18.09% 12.93% 12.38%
Net income growth, 5-year CAGR 14.04% 14.14% 9.71%

Health

Metric PFBC UVSP Banks Regional median
Debt to equity 0.44 0.10 0.22
Current ratio 1.08 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PFBC UVSP Banks Regional median
Dividend yield 3.06% 2.18% 2.57%
Payout ratio 0.29 0.26 0.30

Size

Metric PFBC UVSP Banks Regional median
Market cap 1.23b 1.13b 913.33m

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