BV Financial (NASDAQ:BVFL – Get Free Report) and Univest Corporation of Pennsylvania (NASDAQ:UVSP – Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their risk, analyst recommendations, dividends, valuation, profitability, earnings and institutional ownership.
Profitability
This table compares BV Financial and Univest Corporation of Pennsylvania’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| BV Financial | 23.73% | 9.02% | 1.87% |
| Univest Corporation of Pennsylvania | 18.25% | 10.19% | 1.15% |
Analyst Recommendations
This is a summary of recent ratings for BV Financial and Univest Corporation of Pennsylvania, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| BV Financial | 0 | 1 | 0 | 0 | 2.00 |
| Univest Corporation of Pennsylvania | 0 | 3 | 1 | 0 | 2.25 |
Volatility and Risk
BV Financial has a beta of 0.3, meaning that its stock price is 70% less volatile than the S&P 500. Comparatively, Univest Corporation of Pennsylvania has a beta of 0.67, meaning that its stock price is 33% less volatile than the S&P 500.
Institutional & Insider Ownership
42.7% of BV Financial shares are held by institutional investors. Comparatively, 75.1% of Univest Corporation of Pennsylvania shares are held by institutional investors. 15.7% of BV Financial shares are held by insiders. Comparatively, 1.8% of Univest Corporation of Pennsylvania shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Earnings and Valuation
This table compares BV Financial and Univest Corporation of Pennsylvania”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| BV Financial | $52.43 million | 3.27 | $13.49 million | $1.39 | 14.23 |
| Univest Corporation of Pennsylvania | $518.35 million | 2.14 | $90.76 million | $3.33 | 11.98 |
Univest Corporation of Pennsylvania has higher revenue and earnings than BV Financial. Univest Corporation of Pennsylvania is trading at a lower price-to-earnings ratio than BV Financial, indicating that it is currently the more affordable of the two stocks.
Summary
Univest Corporation of Pennsylvania beats BV Financial on 9 of the 14 factors compared between the two stocks.
About BV Financial
BV Financial, Inc. operates as the holding company for BayVanguard Bank that provides various financial services to individuals and businesses in Maryland. The company offers checking and money market accounts, savings accounts, and certificates of deposits. Its loan products include real estate, home equity, construction, lot, auto, boat, and other personal loans; and commercial lending products, such as commercial equipment/installation, commercial real estate, construction, investment real estate, lines of credit, and SBA loans, as well as loans for short-term real estate purchase, renovation, and sale projects. The company offers ATM, overdraft, safe deposit, bill pay, remote deposit capture, ACH origination, merchant, and online banking services. BV Financial, Inc. was founded in 1873 and is headquartered in Baltimore, Maryland.
About Univest Corporation of Pennsylvania
Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in the United States. It operates through three segments: Banking, Wealth Management, and Insurance. The Banking segment offers a range of banking services, such as deposit taking, loan origination and servicing, mortgage banking, other general banking, and equipment lease financing services for individuals, businesses, municipalities, and nonprofit organizations. Its Wealth Management segment provides investment advisory, financial planning, and trust and brokerage services for private families and individuals, municipal pension plans, retirement plans, and trusts and guardianships. The Insurance segment offers commercial property and casualty insurance, employee benefits solutions, personal insurance lines, and human resources consulting services. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. The company was founded in 1876 and is headquartered in Souderton, Pennsylvania.
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