F.N.B. Corporation (NYSE: FNB) and Univest Corporation of Pennsylvania (NASDAQ:UVSP) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, dividends, risk, institutional ownership and valuation.
Volatility and Risk
F.N.B. Corporation has a beta of 0.96, indicating that its stock price is 4% less volatile than the S&P 500. Comparatively, Univest Corporation of Pennsylvania has a beta of 0.7, indicating that its stock price is 30% less volatile than the S&P 500.
F.N.B. Corporation pays an annual dividend of $0.48 per share and has a dividend yield of 3.7%. Univest Corporation of Pennsylvania pays an annual dividend of $0.80 per share and has a dividend yield of 2.8%. F.N.B. Corporation pays out 61.5% of its earnings in the form of a dividend. Univest Corporation of Pennsylvania pays out 72.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. F.N.B. Corporation is clearly the better dividend stock, given its higher yield and lower payout ratio.
Valuation and Earnings
This table compares F.N.B. Corporation and Univest Corporation of Pennsylvania’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|F.N.B. Corporation||$878.51 million||4.71||$252.12 million||$0.78||16.42|
|Univest Corporation of Pennsylvania||$185.52 million||4.16||$29.60 million||$1.11||26.08|
F.N.B. Corporation has higher revenue and earnings than Univest Corporation of Pennsylvania. F.N.B. Corporation is trading at a lower price-to-earnings ratio than Univest Corporation of Pennsylvania, indicating that it is currently the more affordable of the two stocks.
This table compares F.N.B. Corporation and Univest Corporation of Pennsylvania’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Univest Corporation of Pennsylvania||13.95%||8.04%||0.96%|
This is a breakdown of recent recommendations for F.N.B. Corporation and Univest Corporation of Pennsylvania, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Univest Corporation of Pennsylvania||0||0||2||0||3.00|
F.N.B. Corporation presently has a consensus price target of $17.50, indicating a potential upside of 36.61%. Univest Corporation of Pennsylvania has a consensus price target of $33.00, indicating a potential upside of 13.99%. Given F.N.B. Corporation’s higher probable upside, research analysts clearly believe F.N.B. Corporation is more favorable than Univest Corporation of Pennsylvania.
Institutional & Insider Ownership
76.4% of F.N.B. Corporation shares are owned by institutional investors. Comparatively, 61.7% of Univest Corporation of Pennsylvania shares are owned by institutional investors. 1.2% of F.N.B. Corporation shares are owned by insiders. Comparatively, 3.6% of Univest Corporation of Pennsylvania shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
F.N.B. Corporation beats Univest Corporation of Pennsylvania on 11 of the 17 factors compared between the two stocks.
F.N.B. Corporation Company Profile
F.N.B. Corporation is a financial holding company. The Company operates through four segments: Community Banking, Wealth Management, Insurance and Consumer Finance. Its Community Banking segment consists of First National Bank of Pennsylvania (FNBPA), which offers services, including commercial and individual demand, savings and time deposit accounts and commercial, mortgage and individual installment loans. It operates its Community Banking business through a network of over 290 branches in Pennsylvania, Ohio, Maryland and West Virginia. Its Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, as well as existing customers of Community Banking. The Company’s Insurance segment operates principally through First National Insurance Agency, LLC (FNIA), which is a subsidiary of the Corporation. Its Consumer Finance segment operates through its subsidiary, Regency Finance Company. It also operates other non-banking subsidiaries.
Univest Corporation of Pennsylvania Company Profile
Univest Corporation of Pennsylvania is the bank holding company of Univest Bank and Trust Co. (the Bank). The Bank is a Pennsylvania state-chartered bank and trust company. The Company’s business segments include Banking, Wealth Management and Insurance. The Banking segment provides financial services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking services and equipment lease financing. The Wealth Management segment offers trust and investment advisory services, guardian and custodian of employee benefits and other trust and brokerage services, as well as a registered investment advisory managing private investment accounts for both individuals and institutions. The Insurance segment includes a full-service insurance brokerage agency offering commercial property and casualty insurance, group life and health coverage, employee benefit solutions, personal insurance lines and human resources consulting.
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