FSBC vs UVSP: stock comparison and AI forecast
Five Star Bancorp (FSBC) and Univest Financial Corp (UVSP) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FSBC Five Star Bancorp
- Market Cap
- $1.12B
- P/E Ratio
- 14.6x
- Size
- small-cap
- AI Forecast
- NO CURRENT 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
- FSBC and UVSP have similar market capitalizations ($1.12B and $1.14B).
- UVSP trades at 12.7 times trailing earnings, FSBC at 14.6 times.
- FSBC turns 43.0% of its revenue into net income, against 29.0% for UVSP.
- FSBC carries 10.35 times debt per unit of equity, against 7.60 times for UVSP.
- UVSP yields 2.24% in dividends and FSBC 1.71%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FSBC | UVSP |
|---|---|---|
| Market Cap | $1.12B | $1.14B |
| P/E Ratio | 14.62x | 12.66x |
| P/B Ratio | 2.37x | 1.19x |
| Dividend Yield | 1.71% | 2.24% |
| EPS | $3.13 | $3.26 |
| Book Value/Share | $19.31 | $34.60 |
| Revenue/Share | $6.83 | $12.31 |
| FCF/Share | $3.28 | $3.84 |
Profitability & Margins
| Metric | FSBC | UVSP |
|---|---|---|
| ROE | 15.2% | 10.3% |
| ROA | 1.3% | 1.2% |
| Net Margin | 43.0% | 29.0% |
| EBT Margin | 57.5% | 36.2% |
| Tax Rate | 25.3% | 19.9% |
Financial Health
| Metric | FSBC | UVSP |
|---|---|---|
| D/E Ratio | 10.35x | 7.60x |
| Financial Leverage | 11.35x | 8.60x |
Cash Flow
| Metric | FSBC | UVSP |
|---|---|---|
| Operating Cash Flow | $82M | $109M |
| Free Cash Flow | $80M | $106M |
| Capital Spending | -$1M | -$3M |
| OCF Growth YoY | 19.2% | 2.8% |
| FCF Growth YoY | 18.2% | 4.5% |
| FCF/Sales | 48.0% | 31.2% |
| CapEx/Sales | 0.9% | 0.9% |
Operational Efficiency
| Metric | FSBC | UVSP |
|---|---|---|
| Asset Turnover | 0.03x | 0.04x |
| Fixed Assets Turnover | 71.8x | 7.7x |
Income Statement
| Metric | FSBC | UVSP |
|---|---|---|
| Total Revenue | $168M | $340M |
| Net Income | $72M | $98M |
Dividend & Shareholder Information
| Metric | FSBC | UVSP |
|---|---|---|
| Dividends Per Share | $0.78 | $0.92 |
| Payout Ratio | 24.9% | 28.2% |
| Shares Outstanding | 25M | 28M |
| Net Income Growth | 38.8% | 23.2% |
| EPS Growth | 28.8% | 23.0% |
FSBC vs UVSP: stock comparison and AI forecast
Which is bigger, FSBC or UVSP?
FSBC and UVSP have similar market capitalizations ($1.12B and $1.14B).
Which is cheaper on earnings, FSBC or UVSP?
UVSP trades at 12.7 times trailing earnings, FSBC at 14.6 times.
Which one does Intratio's AI model rank higher, FSBC 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.