Univest Co. of Pennsylvania (NASDAQ: UVSP) and Zions Bancorp (NASDAQ:ZION) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, dividends, earnings, risk, profitability, analyst recommendations and institutional ownership.
This is a breakdown of recent ratings and recommmendations for Univest Co. of Pennsylvania and Zions Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Univest Co. of Pennsylvania||0||2||1||0||2.33|
Univest Co. of Pennsylvania pays an annual dividend of $0.80 per share and has a dividend yield of 2.8%. Zions Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 1.2%. Univest Co. of Pennsylvania pays out 52.3% of its earnings in the form of a dividend. Zions Bancorp pays out 24.1% 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.
Insider and Institutional Ownership
58.2% of Univest Co. of Pennsylvania shares are owned by institutional investors. Comparatively, 92.5% of Zions Bancorp shares are owned by institutional investors. 3.6% of Univest Co. of Pennsylvania shares are owned by company insiders. Comparatively, 1.5% of Zions Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
This table compares Univest Co. of Pennsylvania and Zions Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Univest Co. of Pennsylvania||18.71%||8.35%||0.99%|
Volatility & Risk
Univest Co. of Pennsylvania has a beta of 0.6, suggesting that its share price is 40% less volatile than the S&P 500. Comparatively, Zions Bancorp has a beta of 1.48, suggesting that its share price is 48% more volatile than the S&P 500.
Earnings & Valuation
This table compares Univest Co. of Pennsylvania and Zions Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Univest Co. of Pennsylvania||$182.57 million||4.58||$19.50 million||$1.53||18.86|
|Zions Bancorp||$2.47 billion||4.35||$469.05 million||$2.66||20.20|
Zions Bancorp has higher revenue and earnings than Univest Co. of Pennsylvania. Univest Co. of Pennsylvania is trading at a lower price-to-earnings ratio than Zions Bancorp, indicating that it is currently the more affordable of the two stocks.
Zions Bancorp beats Univest Co. of Pennsylvania on 11 of the 16 factors compared between the two stocks.
About Univest Co. of Pennsylvania
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.
About Zions Bancorp
Zions Bancorporation is a financial holding company. The Company conducts its banking operations through separately managed and branded segments, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank (NSB), Vectra Bank Colorado, The Commerce Bank of Washington (TCBW) and Other. It focuses on providing community banking services through its business lines, including small and medium-sized business and corporate banking; commercial and residential development, construction and term lending; retail banking; treasury cash management and related products and services; residential mortgage servicing and lending; trust and wealth management; limited capital markets activities, including municipal finance advisory and underwriting, and investment activities. It provides a range of banking and related services, primarily in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington and Wyoming.
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