Univest Financial (UVSP) Competitors

Community Bank System (NYSE:CBU) and Univest Financial (NASDAQ:UVSP) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, profitability, earnings, community ranking, media sentiment, risk, analyst recommendations, institutional ownership and dividends.

Do insiders & institutionals believe in CBU or UVSP?

73.8% of Community Bank System shares are held by institutional investors. Comparatively, 75.1% of Univest Financial shares are held by institutional investors. 1.9% of Community Bank System shares are held by insiders. Comparatively, 2.1% of Univest Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Do analysts recommend CBU or UVSP?

Community Bank System currently has a consensus target price of $65.75, indicating a potential upside of 2.14%. Univest Financial has a consensus target price of $29.00, indicating a potential downside of 4.12%. Given Community Bank System's stronger consensus rating and higher possible upside, equities research analysts clearly believe Community Bank System is more favorable than Univest Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Bank System	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.50
Univest Financial	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Is CBU or UVSP a better dividend stock?

Community Bank System pays an annual dividend of $1.84 per share and has a dividend yield of 2.9%. Univest Financial pays an annual dividend of $0.84 per share and has a dividend yield of 2.8%. Community Bank System pays out 53.5% of its earnings in the form of a dividend. Univest Financial pays out 32.4% 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. Community Bank System has increased its dividend for 33 consecutive years. Community Bank System is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the MarketBeat Community believe in CBU or UVSP?

Community Bank System received 44 more outperform votes than Univest Financial when rated by MarketBeat users. However, 50.16% of users gave Univest Financial an outperform vote while only 47.79% of users gave Community Bank System an outperform vote.

Company	Underperform	Outperform
Community Bank System	Outperform Votes 205 47.79%	Underperform Votes 224 52.21%
Univest Financial	Outperform Votes 161 50.16%	Underperform Votes 160 49.84%

Does the media favor CBU or UVSP?

In the previous week, Community Bank System had 4 more articles in the media than Univest Financial. MarketBeat recorded 4 mentions for Community Bank System and 0 mentions for Univest Financial. Community Bank System's average media sentiment score of 0.72 beat Univest Financial's score of 0.00 indicating that Community Bank System is being referred to more favorably in the media.

Company	Overall Sentiment
Community Bank System	Positive
Univest Financial	Neutral

Is CBU or UVSP more profitable?

Community Bank System has a net margin of 19.40% compared to Univest Financial's net margin of 15.17%. Community Bank System's return on equity of 10.94% beat Univest Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Community Bank System	19.40%	10.94%	1.17%
Univest Financial	15.17%	8.51%	0.92%

Which has more risk & volatility, CBU or UVSP?

Community Bank System has a beta of 0.67, suggesting that its share price is 33% less volatile than the S&P 500. Comparatively, Univest Financial has a beta of 0.89, suggesting that its share price is 11% less volatile than the S&P 500.

Which has better valuation and earnings, CBU or UVSP?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Bank System	$940.71M	3.60	$182.48M	$3.44	18.71
Univest Financial	$500.41M	1.76	$75.93M	$2.59	11.68

Summary

Community Bank System beats Univest Financial on 16 of the 21 factors compared between the two stocks.