CNB Financial vs Univest Financial
CCNE and UVSP side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CCNE and UVSP compare
CNB Financial and Univest Financial are about the same size, with market caps of $1.1B and $1.1B.
On earnings, CNB Financial is cheaper: it trades at 10.6× trailing earnings, against 11.7× for Univest Financial.
CNB Financial grew revenue faster over the last twelve months (35.2% versus 9.4% for Univest Financial).
CNB Financial keeps more of each dollar of sales as profit, with a net margin of 30.2% compared with 29.0% at Univest Financial.
Both pay dividends: CNB Financial yields 2.1% and Univest Financial 2.2%.
CNB Financial scores higher on the StockData Score (18 against 14 for Univest Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CCNE | UVSP |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $1.1B |
| Share price | $35.60 | $40.52 |
| Change, 1 year | 42.2% | 31.6% |
| Change, 5 years | 29.0% | 38.1% |
| Beta (5Y) | 0.65 | 0.59 |
| Employees | 950 | 960 |
| StockData Score | ||
| Total score | 18 (better) | 14 |
| Valuation score | 3 | 3 |
| Growth score | 2 (better) | 1 |
| Performance score | 4 (better) | 3 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 10.6× (better) | 11.7× |
| P/S | 3.1× (better) | 3.3× |
| P/B | 1.2× (better) | 1.2× |
| P/FCF | 12.5× | 10.6× (better) |
| PEG | – | 2.01 |
| FCF yield | 8.0% | 9.5% (better) |
| Fair value | $34.17 | $39.10 |
| Margin of safety | −4.2% | −3.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 35.2% (better) | 9.4% |
| Revenue growth, 5Y average | 11.6% | – |
| Net income growth (TTM) | 72.1% (better) | 23.2% |
| EPS growth (TTM) | 36.6% (better) | 26.3% |
| EPS growth, 5Y average | 4.8% | 14.4% (better) |
| Profitability | ||
| Net margin | 30.2% (better) | 29.0% |
| FCF margin | 24.5% | 31.2% (better) |
| Return on equity | 11.8% (better) | 10.5% |
| Financial health | ||
| Debt / equity | 0.22 | 0.02 (better) |
| Altman Z-score | 0.21 | 0.24 (better) |
| Piotroski F-score | 4 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.1% | 2.2% (better) |
| Payout ratio | 21.3% | 25.9% |
| Years of dividend growth | 2 (better) | 1 |
| Dividend growth, 5Y average | 1.1% | 7.7% (better) |
| Buyback yield | – | 4.6% |
| Shareholder yield | 2.1% | 6.9% (better) |
| Ownership | ||
| Held by institutions | 66.2% | 83.9% |
| Held by insiders | 2.7% | 1.7% |
| Insider net buying, 12 months | −$1.7M (better) | −$2.9M |
| Short interest, % of float | – | 3.8% |
Go deeper
- CCNE stock overview
- CCNE income statement
- CCNE valuation and score
- UVSP stock overview
- UVSP income statement
- UVSP valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.