Head-To-Head Analysis: BV Financial (NASDAQ:BVFL) & Univest Corporation of Pennsylvania (NASDAQ:UVSP)

Univest Corporation of Pennsylvania (NASDAQ:UVSP) and BV Financial (NASDAQ:BVFL) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, analyst recommendations, dividends, institutional ownership, earnings, valuation and profitability.

Analyst Ratings

This is a breakdown of recent ratings for Univest Corporation of Pennsylvania and BV Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Univest Corporation of Pennsylvania	0	3	1	0	2.25
BV Financial	0	1	0	0	2.00

Univest Corporation of Pennsylvania presently has a consensus target price of $37.00, suggesting a potential downside of 6.19%. Given Univest Corporation of Pennsylvania’s stronger consensus rating and higher possible upside, research analysts plainly believe Univest Corporation of Pennsylvania is more favorable than BV Financial.

Volatility and Risk

Univest Corporation of Pennsylvania has a beta of 0.67, meaning that its stock price is 33% less volatile than the S&P 500. Comparatively, BV Financial has a beta of 0.32, meaning that its stock price is 68% less volatile than the S&P 500.

Earnings and Valuation

This table compares Univest Corporation of Pennsylvania and BV Financial”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Univest Corporation of Pennsylvania	$518.35 million	2.12	$90.76 million	$3.33	11.84
BV Financial	$52.43 million	3.24	$13.49 million	$1.39	14.12

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.

Institutional & Insider Ownership

75.1% of Univest Corporation of Pennsylvania shares are owned by institutional investors. Comparatively, 42.7% of BV Financial shares are owned by institutional investors. 1.8% of Univest Corporation of Pennsylvania shares are owned by insiders. Comparatively, 15.7% of BV Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Univest Corporation of Pennsylvania and BV Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Univest Corporation of Pennsylvania	18.25%	10.19%	1.15%
BV Financial	23.73%	9.02%	1.87%

Summary

Univest Corporation of Pennsylvania beats BV Financial on 9 of the 14 factors compared between the two stocks.

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.

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.