Univest Co. of Pennsylvania (NASDAQ:UVSP) and Commercial National Financial (OTCMKTS:CNAF) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their institutional ownership, earnings, risk, profitability, analyst recommendations, valuation and dividends.
Insider & Institutional Ownership
66.8% of Univest Co. of Pennsylvania shares are owned by institutional investors. Comparatively, 3.6% of Commercial National Financial shares are owned by institutional investors. 2.8% of Univest Co. of Pennsylvania shares are owned by insiders. Comparatively, 22.4% of Commercial National Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
This table compares Univest Co. of Pennsylvania and Commercial National Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Univest Co. of Pennsylvania||17.57%||8.09%||1.05%|
|Commercial National Financial||N/A||N/A||N/A|
Univest Co. of Pennsylvania pays an annual dividend of $0.80 per share and has a dividend yield of 3.6%. Commercial National Financial pays an annual dividend of $1.04 per share and has a dividend yield of 4.8%. Univest Co. of Pennsylvania pays out 47.6% of its earnings in the form of a dividend. Univest Co. of Pennsylvania has raised its dividend for 2 consecutive years.
Risk and Volatility
Univest Co. of Pennsylvania has a beta of 0.72, meaning that its share price is 28% less volatile than the S&P 500. Comparatively, Commercial National Financial has a beta of 0.48, meaning that its share price is 52% less volatile than the S&P 500.
Valuation and Earnings
This table compares Univest Co. of Pennsylvania and Commercial National Financial’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Univest Co. of Pennsylvania||$222.26 million||2.97||$44.09 million||$1.68||13.41|
|Commercial National Financial||$19.02 million||3.26||$6.87 million||N/A||N/A|
Univest Co. of Pennsylvania has higher revenue and earnings than Commercial National Financial.
This is a breakdown of recent ratings and recommmendations for Univest Co. of Pennsylvania and Commercial National Financial, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Univest Co. of Pennsylvania||0||0||0||0||N/A|
|Commercial National Financial||0||0||0||0||N/A|
Univest Co. of Pennsylvania beats Commercial National Financial on 8 of the 13 factors compared between the two stocks.
Univest Co. of Pennsylvania Company Profile
Univest Corporation of Pennsylvania operates as the holding company for Univest Bank and Trust Co. that provides various commercial and consumer banking, and trust services to individuals, businesses, municipalities, and nonprofit organizations in Pennsylvania. It operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment provides full range of banking services, such as deposit making, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing for consumers, businesses, and governmental units. The Wealth Management segment offers trust and investment advisory services, guardian and custodian services, and other trust and brokerage services, as well as manages private investment accounts for 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 services. The company also offers discretionary investment consulting and management, financial planning, investment management services. As of February 28, 2018, it operated through a network of approximately 50 offices in Southeastern Pennsylvania, the Lehigh Valley, and Lancaster, as well as in New Jersey and Maryland. Univest Corporation of Pennsylvania was founded in 1876 and is headquartered in Souderton, Pennsylvania.
Commercial National Financial Company Profile
Commercial National Financial Corporation operates as a bank holding company for Commercial Bank & Trust of PA that provides various banking services in Pennsylvania. The company offers checking, money market investment, and savings accounts; and business-time deposits, as well as certificates of deposit. It also provides loan products, such as residential mortgages, construction mortgages, home-equity loans, personal lines of credit, personal loans, and automobile loans; and commercial loans, mortgages, term loans, and lines of credit. In addition, the company offers other services, including automatic teller machine access/debit card, online banking, mobile banking, and online bill payment services; and direct deposit\payroll processing and night depository services. Further, it provides asset management and trust services comprising trust and estate, investment management, and cash management services, as well as retirement products. The company operates a network of nine community offices with facilities in Greensburg, Hempfield Township, Latrobe, Ligonier, North Huntingdon, Unity Township, and West Newton. Commercial National Financial Corporation was founded in 1934 and is headquartered in Latrobe, Pennsylvania.
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