CTBI vs UVSP: stock comparison and AI forecast
Community Trust Bancorp Inc /Ky/ (CTBI) and Univest Financial Corp (UVSP) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CTBI Community Trust Bancorp Inc /Ky/
- Price
- $70.03 +8.7% · 6M
- Market Cap
- $1.26B
- P/E Ratio
- 11.6x
- Size
- small-cap
- AI Forecast
UVSP Univest Financial Corp
- Market Cap
- $1.14B
- P/E Ratio
- 12.7x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- CTBI is 1.1 times larger than UVSP by market capitalization ($1.26B against $1.14B).
- CTBI trades at 11.6 times trailing earnings, UVSP at 12.7 times.
- CTBI turns 37.6% of its revenue into net income, against 29.0% for UVSP.
- UVSP carries 7.60 times debt per unit of equity, against 6.84 times for CTBI.
- CTBI yields 3.03% in dividends and UVSP 2.24%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CTBI | UVSP |
|---|---|---|
| Market Cap | $1.26B | $1.14B |
| P/E Ratio | 11.62x | 12.66x |
| P/B Ratio | 1.41x | 1.19x |
| Dividend Yield | 3.03% | 2.24% |
| EPS | $5.97 | $3.26 |
| Book Value/Share | $49.09 | $34.60 |
| Revenue/Share | $15.80 | $12.31 |
| FCF/Share | $7.17 | $3.84 |
Profitability & Margins
| Metric | CTBI | UVSP |
|---|---|---|
| ROE | 12.1% | 10.3% |
| ROA | 1.6% | 1.2% |
| Net Margin | 37.6% | 29.0% |
| EBT Margin | 48.8% | 36.2% |
| Tax Rate | 22.8% | 19.9% |
Financial Health
| Metric | CTBI | UVSP |
|---|---|---|
| D/E Ratio | 6.84x | 7.60x |
| Financial Leverage | 7.84x | 8.60x |
Cash Flow
| Metric | CTBI | UVSP |
|---|---|---|
| Operating Cash Flow | $136M | $109M |
| Free Cash Flow | $130M | $106M |
| Capital Spending | -$6M | -$3M |
| OCF Growth YoY | 21.9% | 2.8% |
| FCF Growth YoY | 26.8% | 4.5% |
| FCF/Sales | 45.4% | 31.2% |
| CapEx/Sales | 2.0% | 0.9% |
Operational Efficiency
| Metric | CTBI | UVSP |
|---|---|---|
| Asset Turnover | 0.04x | 0.04x |
| Fixed Assets Turnover | 5.4x | 7.7x |
Income Statement
| Metric | CTBI | UVSP |
|---|---|---|
| Total Revenue | $287M | $340M |
| Net Income | $108M | $98M |
Dividend & Shareholder Information
| Metric | CTBI | UVSP |
|---|---|---|
| Dividends Per Share | $2.10 | $0.92 |
| Payout Ratio | 35.2% | 28.2% |
| Shares Outstanding | 18M | 28M |
| Net Income Growth | 18.0% | 23.2% |
| EPS Growth | 17.5% | 23.0% |
CTBI vs UVSP: stock comparison and AI forecast
Which is bigger, CTBI or UVSP?
CTBI is 1.1 times larger than UVSP by market capitalization ($1.26B against $1.14B).
Which is cheaper on earnings, CTBI or UVSP?
CTBI trades at 11.6 times trailing earnings, UVSP at 12.7 times.
Which one does Intratio's AI model rank higher, CTBI or UVSP?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.