HBNC vs UVSP: stock comparison and AI forecast
Horizon Bancorp Inc /In/ (HBNC) and Univest Financial Corp (UVSP) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
HBNC Horizon Bancorp Inc /In/
- Market Cap
- $1.07B
- P/E Ratio
- 10.4x
- Size
- small-cap
- AI Forecast
UVSP Univest Financial Corp
- Market Cap
- $1.12B
- P/E Ratio
- 12.9x
- 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
- HBNC and UVSP have similar market capitalizations ($1.07B and $1.12B).
- HBNC trades at 10.3 times trailing earnings, UVSP at 12.8 times.
- HBNC turns 29.4% of its revenue into net income, against 27.2% for UVSP.
- HBNC carries 8.43 times debt per unit of equity, against 8.07 times for UVSP.
- HBNC yields 3.08% in dividends and UVSP 2.29%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | HBNC | UVSP |
|---|---|---|
| Market Cap | $1.07B | $1.12B |
| P/E Ratio | 10.35x | 12.85x |
| P/B Ratio | 1.53x | 1.18x |
| Dividend Yield | 3.08% | 2.29% |
| EPS | $2.01 | $3.15 |
| Book Value/Share | $13.62 | $34.41 |
| Revenue/Share | $7.05 | $12.56 |
| FCF/Share | $2.17 | $4.46 |
Profitability & Margins
| Metric | HBNC | UVSP |
|---|---|---|
| ROE | 15.2% | 9.9% |
| ROA | 1.6% | 1.1% |
| Net Margin | 29.4% | 27.2% |
| EBT Margin | 35.9% | 34.0% |
| Tax Rate | 18.0% | 19.9% |
Financial Health
| Metric | HBNC | UVSP |
|---|---|---|
| D/E Ratio | 8.43x | 8.07x |
| Financial Leverage | 9.43x | 9.07x |
Cash Flow
| Metric | HBNC | UVSP |
|---|---|---|
| Operating Cash Flow | $117M | $123M |
| Free Cash Flow | $111M | $123M |
| Capital Spending | -$6M | -$190K |
| OCF Growth YoY | – | 24.6% |
| FCF Growth YoY | – | 35.1% |
| FCF/Sales | 30.7% | 35.5% |
| CapEx/Sales | 1.6% | 0.1% |
Operational Efficiency
| Metric | HBNC | UVSP |
|---|---|---|
| Asset Turnover | 0.05x | 0.04x |
| Fixed Assets Turnover | 3.9x | 7.8x |
Income Statement
| Metric | HBNC | UVSP |
|---|---|---|
| Total Revenue | $362M | $346M |
| Net Income | $107M | $94M |
Dividend & Shareholder Information
| Metric | HBNC | UVSP |
|---|---|---|
| Dividends Per Share | $0.64 | $0.93 |
| Payout Ratio | 31.8% | 29.5% |
| Shares Outstanding | 51M | 28M |
| Net Income Growth | – | 8.5% |
| EPS Growth | – | 8.2% |
HBNC vs UVSP: stock comparison and AI forecast
Which is bigger, HBNC or UVSP?
HBNC and UVSP have similar market capitalizations ($1.07B and $1.12B).
Which is cheaper on earnings, HBNC or UVSP?
HBNC trades at 10.3 times trailing earnings, UVSP at 12.8 times.
Which one does Intratio's AI model rank higher, HBNC 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.
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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.