ACNB vs Univest Financial
ACNB 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 ACNB and UVSP compare
Univest Financial is the larger company, worth 1.6 times as much as ACNB ($1.1B against $683M).
On earnings, Univest Financial is cheaper: it trades at 11.7× trailing earnings, against 12.4× for ACNB.
ACNB grew revenue faster over the last twelve months (14.8% 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 27.2% at ACNB.
Both pay dividends: ACNB yields 3.1% and Univest Financial 2.2%.
ACNB scores higher on the StockData Score (15 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 | ACNB | UVSP |
|---|---|---|
| Size and price | ||
| Market cap | $683M | $1.1B |
| Share price | $67.20 | $40.52 |
| Change, 1 year | 40.4% | 31.6% |
| Change, 5 years | 135% | 38.1% |
| Beta (5Y) | 0.56 | 0.59 |
| Employees | 537 | 960 |
| StockData Score | ||
| Total score | 15 (better) | 14 |
| Valuation score | 1 | 3 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 4 (better) | 3 |
| Health score | 3 | 4 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 12.4× | 11.7× (better) |
| P/S | 3.3× | 3.3× (better) |
| P/B | 1.6× | 1.2× (better) |
| EV/EBITDA | 6.2× | – |
| P/FCF | 8.7× (better) | 10.6× |
| PEG | – | 2.01 |
| FCF yield | 11.5% (better) | 9.5% |
| Fair value | $56.49 | $39.10 |
| Margin of safety | −19.0% | −3.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 14.8% (better) | 9.4% |
| Revenue growth, 5Y average | 15.5% | – |
| Net income growth (TTM) | 68.8% (better) | 23.2% |
| EPS growth (TTM) | 65.1% (better) | 26.3% |
| EPS growth, 5Y average | – | 14.4% |
| Profitability | ||
| Net margin | 27.2% | 29.0% (better) |
| FCF margin | 38.6% (better) | 31.2% |
| Return on equity | 13.4% (better) | 10.5% |
| Financial health | ||
| Debt / equity | 0.28 | 0.02 (better) |
| Net debt / EBITDA | 0.24 | – |
| Altman Z-score | 0.32 (better) | 0.24 |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 3.1% (better) | 2.2% |
| Payout ratio | 38.6% | 25.9% |
| Years of dividend growth | 8 (better) | 1 |
| Dividend growth, 5Y average | 6.7% | 7.7% (better) |
| Buyback yield | 2.2% | 4.6% (better) |
| Shareholder yield | 5.3% | 6.9% (better) |
| Ownership | ||
| Held by institutions | 40.7% | 83.9% |
| Held by insiders | 4.2% | 1.7% |
| Insider net buying, 12 months | −$606K (better) | −$2.9M |
| Short interest, % of float | 5.8% | 3.8% |
Go deeper
- ACNB stock overview
- ACNB income statement
- ACNB 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.