Citizens & Northern vs Univest Financial
CZNC 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 CZNC and UVSP compare
Univest Financial is the larger company, worth 2.2 times as much as Citizens & Northern ($1.1B against $504M).
On earnings, Univest Financial is cheaper: it trades at 11.7× trailing earnings, against 14.2× for Citizens & Northern.
Citizens & Northern grew revenue faster over the last twelve months (33.9% versus 9.4% for Univest Financial).
Univest Financial keeps more of each dollar of sales as profit, with a net margin of 29.0% compared with 23.0% at Citizens & Northern.
Both pay dividends: Citizens & Northern yields 4.1% and Univest Financial 2.2%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CZNC | UVSP |
|---|---|---|
| Size and price | ||
| Market cap | $504M | $1.1B |
| Share price | $28.12 | $40.52 |
| Change, 1 year | 44.9% | 31.6% |
| Change, 5 years | 5.8% | 38.1% |
| Beta (5Y) | 0.42 | 0.59 |
| Employees | 460 | 960 |
| StockData Score | ||
| Total score | 14 | 14 |
| Valuation score | 1 | 3 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 2 | 3 (better) |
| Health score | 5 (better) | 4 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 14.2× | 11.7× (better) |
| P/S | 3.3× | 3.3× (better) |
| P/B | 1.5× | 1.2× (better) |
| P/FCF | 9.7× (better) | 10.6× |
| PEG | – | 2.01 |
| FCF yield | 10.3% (better) | 9.5% |
| Fair value | $24.05 | $39.10 |
| Margin of safety | −16.9% | −3.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 33.9% (better) | 9.4% |
| Revenue growth, 5Y average | 5.9% | – |
| Net income growth (TTM) | 29.3% (better) | 23.2% |
| EPS growth (TTM) | 12.5% | 26.3% (better) |
| EPS growth, 5Y average | – | 14.4% |
| Profitability | ||
| Net margin | 23.0% | 29.0% (better) |
| FCF margin | 34.0% (better) | 31.2% |
| Return on equity | 11.0% (better) | 10.5% |
| Financial health | ||
| Debt / equity | 0.01 (better) | 0.02 |
| Altman Z-score | 0.24 | 0.24 (better) |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 4.1% (better) | 2.2% |
| Payout ratio | 52.1% | 25.9% |
| Years of dividend growth | – | 1 |
| Dividend growth, 5Y average | – | 7.7% |
| Buyback yield | – | 4.6% |
| Shareholder yield | 4.1% | 6.9% (better) |
| Ownership | ||
| Held by institutions | 33.3% | 83.9% |
| Held by insiders | 4.9% | 1.7% |
| Insider net buying, 12 months | −$6.5K (better) | −$2.9M |
| Short interest, % of float | 1.6% | 3.8% |
Go deeper
- CZNC stock overview
- CZNC income statement
- CZNC 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.