Univest Corporation Pennsylvania (UVSP)vsWells Fargo & Company (WFC)
UVSP
Univest Corporation Pennsylvania
$44.61
-0.84%
FINANCIAL SERVICES · Cap: $1.24B
WFC
Wells Fargo & Company
$85.43
+1.86%
FINANCIAL SERVICES · Cap: $264.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 25561% more annual revenue ($83.03B vs $323.55M). UVSP leads profitability with a 29.5% profit margin vs 27.2%. UVSP appears more attractively valued with a PEG of 1.30. WFC earns a higher WallStSmart Score of 76/100 (B+).
UVSP
Strong Buy76
out of 100
Grade: B+
WFC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 40.7%
Keeps 30 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 24.7% YoY
Mega-cap, among the largest globally
Strong operational efficiency at 37.1%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : UVSP
The strongest argument for UVSP centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.5% and operating margin at 40.7%. Revenue growth of 12.1% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.1%.
Bear Case : UVSP
The primary concerns for UVSP are Market Cap, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
WFC carries more volatility with a beta of 0.92 — expect wider price swings.
UVSP is growing revenue faster at 12.1% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UVSP scores higher overall (76/100 vs 76/100), backed by strong 29.5% margins and 12.1% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Univest Corporation Pennsylvania
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Univest Financial Corporation is the banking holding company for Univest Bank and Trust Co. offering banking products and services primarily in Pennsylvania. The company is headquartered in Souderton, Pennsylvania.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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