Univest Corporation of Pennsylvania (NASDAQ: UVSP) and Stonegate Bank (NASDAQ:SGBK) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their dividends, earnings, analyst recommendations, institutional ownership, risk, profitability and valuation.

Profitability

This table compares Univest Corporation of Pennsylvania and Stonegate Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Univest Corporation of Pennsylvania 18.71% 8.41% 1.00%
Stonegate Bank 28.04% 8.07% 1.05%

Analyst Recommendations

This is a summary of recent ratings and price targets for Univest Corporation of Pennsylvania and Stonegate Bank, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Univest Corporation of Pennsylvania 0 2 1 0 2.33
Stonegate Bank 0 3 0 0 2.00

Univest Corporation of Pennsylvania presently has a consensus price target of $32.67, indicating a potential upside of 11.87%. Stonegate Bank has a consensus price target of $49.00, indicating a potential downside of 5.08%. Given Univest Corporation of Pennsylvania’s stronger consensus rating and higher possible upside, equities analysts plainly believe Univest Corporation of Pennsylvania is more favorable than Stonegate Bank.

Dividends

Univest Corporation of Pennsylvania pays an annual dividend of $0.80 per share and has a dividend yield of 2.7%. Stonegate Bank does not pay a dividend. Univest Corporation of Pennsylvania pays out 52.3% of its earnings in the form of a dividend.

Valuation & Earnings

This table compares Univest Corporation of Pennsylvania and Stonegate Bank’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 4.27 $19.50 million $1.53 19.09
Stonegate Bank N/A N/A N/A $2.17 23.79

Univest Corporation of Pennsylvania has higher revenue and earnings than Stonegate Bank. Univest Corporation of Pennsylvania is trading at a lower price-to-earnings ratio than Stonegate Bank, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

61.0% of Univest Corporation of Pennsylvania shares are held by institutional investors. Comparatively, 65.2% of Stonegate Bank shares are held by institutional investors. 3.6% of Univest Corporation of Pennsylvania shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

Univest Corporation of Pennsylvania beats Stonegate Bank on 7 of the 12 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.

Stonegate Bank Company Profile

Stonegate Bank (the Bank) is a state chartered commercial bank in the State of Florida. The Bank provides a full range of banking services to individual and corporate customers from its branch locations in Southeast and West Florida. The Bank provides personal banking, business banking and wealth management services. The Bank’s loans portfolio includes commercial real estate, construction and land development, residential real estate, commercial and consumer loans. Its personal banking services include checking account, money market, savings account, certificate of deposits, individual retirement accounts, consumer loans and residential mortgage loans. It also offers card services, such as credit cards and debit cards. Its wealth management services include asset management, trust services, estate planning, insurance planning and retirement planning for business owners.

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