S&T Bancorp vs Univest Financial
STBA 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 STBA and UVSP compare
S&T Bancorp is the larger company, worth 1.6 times as much as Univest Financial ($1.8B against $1.1B).
On earnings, Univest Financial is cheaper: it trades at 11.7× trailing earnings, against 13.0× for S&T Bancorp.
Univest Financial grew revenue faster over the last twelve months (9.4% versus 7.5% for S&T Bancorp).
S&T Bancorp keeps more of each dollar of sales as profit, with a net margin of 34.3% compared with 29.0% at Univest Financial.
Both pay dividends: S&T Bancorp yields 2.9% and Univest Financial 2.2%.
Univest Financial scores higher on the StockData Score (14 against 13 for S&T Bancorp), 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 | STBA | UVSP |
|---|---|---|
| Size and price | ||
| Market cap | $1.8B | $1.1B |
| Share price | $51.16 | $40.52 |
| Change, 1 year | 30.9% | 31.6% |
| Change, 5 years | 61.3% | 38.1% |
| Beta (5Y) | 0.62 | 0.59 |
| Employees | 1,206 | 960 |
| StockData Score | ||
| Total score | 13 | 14 (better) |
| Valuation score | 1 | 3 (better) |
| Growth score | 0 | 1 (better) |
| Performance score | 3 | 3 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 13.0× | 11.7× (better) |
| P/S | 4.3× | 3.3× (better) |
| P/B | 1.3× | 1.2× (better) |
| P/FCF | 10.7× | 10.6× (better) |
| PEG | 45.06 | 2.01 (better) |
| FCF yield | 9.4% | 9.5% (better) |
| Fair value | $45.74 | $39.10 |
| Margin of safety | −11.8% | −3.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 7.5% | 9.4% (better) |
| Revenue growth, 5Y average | 3.5% | – |
| Net income growth (TTM) | 8.2% | 23.2% (better) |
| EPS growth (TTM) | 13.5% | 26.3% (better) |
| EPS growth, 5Y average | 45.8% (better) | 14.4% |
| Profitability | ||
| Net margin | 34.3% (better) | 29.0% |
| FCF margin | 40.1% (better) | 31.2% |
| Return on equity | 10.0% | 10.5% (better) |
| Financial health | ||
| Debt / equity | – | 0.02 |
| Altman Z-score | 0.34 (better) | 0.24 |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.9% (better) | 2.2% |
| Payout ratio | 37.0% | 25.9% |
| Years of dividend growth | 13 (better) | 1 |
| Dividend growth, 5Y average | 4.3% | 7.7% (better) |
| Buyback yield | 7.4% (better) | 4.6% |
| Shareholder yield | 10.3% (better) | 6.9% |
| Ownership | ||
| Held by institutions | 74.3% | 83.9% |
| Held by insiders | 1.4% | 1.7% |
| Insider net buying, 12 months | −$887K (better) | −$2.9M |
| Short interest, % of float | 7.1% | 3.8% |
Go deeper
- STBA stock overview
- STBA income statement
- STBA 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.