Univest Corporation of Pennsylvania (NASDAQ: UVSP) and Peapack-Gladstone Financial (NASDAQ:PGC) are both small-cap financials companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, earnings, institutional ownership, profitability, risk, dividends and analyst recommendations.

Valuation & Earnings

This table compares Univest Corporation of Pennsylvania and Peapack-Gladstone Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio NetIncome Earnings Per Share Price/Earnings Ratio
Univest Corporation of Pennsylvania $182.57 million 4.22 $19.50 million $1.53 18.86
Peapack-Gladstone Financial $145.97 million 4.12 $26.47 million $1.90 17.35

Peapack-Gladstone Financial has higher revenue, but lower earnings than Univest Corporation of Pennsylvania. Peapack-Gladstone Financial 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.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Univest Corporation of Pennsylvania and Peapack-Gladstone Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Univest Corporation of Pennsylvania 0 2 1 0 2.33
Peapack-Gladstone Financial 0 1 2 0 2.67

Univest Corporation of Pennsylvania currently has a consensus target price of $32.67, suggesting a potential upside of 13.23%. Peapack-Gladstone Financial has a consensus target price of $35.75, suggesting a potential upside of 8.43%. Given Univest Corporation of Pennsylvania’s higher possible upside, equities analysts clearly believe Univest Corporation of Pennsylvania is more favorable than Peapack-Gladstone Financial.

Insider & Institutional Ownership

60.8% of Univest Corporation of Pennsylvania shares are owned by institutional investors. Comparatively, 68.5% of Peapack-Gladstone Financial shares are owned by institutional investors. 3.6% of Univest Corporation of Pennsylvania shares are owned by company insiders. Comparatively, 5.9% of Peapack-Gladstone Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Univest Corporation of Pennsylvania and Peapack-Gladstone Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Univest Corporation of Pennsylvania 18.71% 8.35% 0.99%
Peapack-Gladstone Financial 20.36% 9.54% 0.83%

Dividends

Univest Corporation of Pennsylvania pays an annual dividend of $0.80 per share and has a dividend yield of 2.8%. Peapack-Gladstone Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.6%. Univest Corporation of Pennsylvania pays out 52.3% of its earnings in the form of a dividend. Peapack-Gladstone Financial pays out 10.5% 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.

Volatility & Risk

Univest Corporation of Pennsylvania has a beta of 0.62, suggesting that its share price is 38% less volatile than the S&P 500. Comparatively, Peapack-Gladstone Financial has a beta of 1.02, suggesting that its share price is 2% more volatile than the S&P 500.

Summary

Peapack-Gladstone Financial beats Univest Corporation of Pennsylvania on 10 of the 16 factors compared between the two stocks.

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.

Peapack-Gladstone Financial Company Profile

Peapack-Gladstone Financial Corporation is a bank holding company. The Company’s principal subsidiary is Peapack-Gladstone Bank (the Bank), which is a state chartered commercial bank. The Company operates through two segments: Banking and Private Wealth Management Division. The Banking segment includes commercial, commercial real estate, multifamily, residential and consumer lending activities; deposit generation; operation of automated teller machines (ATMs); telephone and Internet banking services; merchant credit card services, and customer support sales. The Private Wealth Management Division includes asset management services provided for individuals and institutions; personal trust services, including services as executor, trustee, administrator, custodian and guardian; corporate trust services, including services as trustee for pension and profit sharing plans, and other financial planning and advisory services.

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