First Financial Corporation Indiana (THFF) vs Univest Corporation of Pennsylvania (UVSP)

First Financial Corporation Indiana and Univest Corporation of Pennsylvania are both Banks Regional companies. First Financial Corporation Indiana and Univest Corporation of Pennsylvania are of similar size ($1.2B and $1.2B). First Financial Corporation Indiana trades at the lower P/E: 10.6× against 12.1×. First Financial Corporation Indiana grew revenue faster over the last twelve months: 8.15% against 2.67%. First Financial Corporation Indiana has the higher net margin (23.3% vs 18.9%) and the lower return on invested capital (7.53% vs 8.98%). Both pay a dividend; Univest Corporation of Pennsylvania yields more (4.38% vs 4.18%). Across the 20 metrics below, First Financial Corporation Indiana leads on 11 and Univest Corporation of Pennsylvania on 9.

Valuation

Metric THFF UVSP Banks Regional median
P/E 10.58 12.08 12.15
P/S 2.47 2.24 2.37
P/B 1.33 1.23 1.21
Price to free cash flow 9.66 11.04 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.01 2.06 2.27
Earnings yield 9.46% 8.28% 8.11%
Free cash flow yield 10.35% 9.06% 8.98%

Profitability

Metric THFF UVSP Banks Regional median
Gross margin 76.02% 65.06% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.32% 18.86% 18.66%
Free cash flow margin 25.60% 20.30% 21.18%
Return on equity 13.42% 10.52% 10.64%
Return on assets 1.44% 1.22% 1.13%
Return on invested capital 7.53% 8.98% 8.33%

Growth

Metric THFF UVSP Banks Regional median
Revenue growth (TTM) 8.15% 2.67% 6.61%
EPS growth (last fiscal year) 67.00% 21.32% —
Revenue growth, 5-year CAGR 11.36% 12.93% 12.30%
Net income growth, 5-year CAGR 8.03% 14.14% 9.71%

Health

Metric THFF UVSP Banks Regional median
Debt to equity 0.43 0.10 0.22
Current ratio 0.88 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric THFF UVSP Banks Regional median
Dividend yield 4.18% 4.38% 3.75%
Payout ratio 0.20 0.30 0.27

Size

Metric THFF UVSP Banks Regional median
Market cap 1.20b 1.15b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack