Kearny Financial (NASDAQ:KRNY – Get Free Report) and Univest Corporation of Pennsylvania (NASDAQ:UVSP – Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, dividends, risk, institutional ownership, earnings, profitability and analyst recommendations.
Dividends
Kearny Financial pays an annual dividend of $0.44 per share and has a dividend yield of 4.7%. Univest Corporation of Pennsylvania pays an annual dividend of $0.92 per share and has a dividend yield of 2.2%. Kearny Financial pays out 75.9% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Univest Corporation of Pennsylvania pays out 27.5% of its earnings in the form of a dividend. Univest Corporation of Pennsylvania has increased its dividend for 1 consecutive years.
Analyst Recommendations
This is a breakdown of current recommendations for Kearny Financial and Univest Corporation of Pennsylvania, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Kearny Financial | 1 | 0 | 3 | 0 | 2.50 |
| Univest Corporation of Pennsylvania | 0 | 3 | 0 | 1 | 2.50 |
Kearny Financial currently has a consensus price target of $10.50, suggesting a potential upside of 12.71%. Univest Corporation of Pennsylvania has a consensus price target of $40.50, suggesting a potential downside of 1.20%. Given Kearny Financial’s higher probable upside, analysts plainly believe Kearny Financial is more favorable than Univest Corporation of Pennsylvania.
Profitability
This table compares Kearny Financial and Univest Corporation of Pennsylvania’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Kearny Financial | 10.57% | 5.01% | 0.50% |
| Univest Corporation of Pennsylvania | 17.95% | 9.93% | 1.14% |
Valuation & Earnings
This table compares Kearny Financial and Univest Corporation of Pennsylvania”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Kearny Financial | $179.84 million | 3.36 | $36.26 million | $0.58 | 16.06 |
| Univest Corporation of Pennsylvania | $518.35 million | 2.18 | $90.76 million | $3.35 | 12.24 |
Univest Corporation of Pennsylvania has higher revenue and earnings than Kearny Financial. Univest Corporation of Pennsylvania is trading at a lower price-to-earnings ratio than Kearny Financial, indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
71.0% of Kearny Financial shares are held by institutional investors. Comparatively, 75.1% of Univest Corporation of Pennsylvania shares are held by institutional investors. 7.7% of Kearny Financial shares are held by company insiders. Comparatively, 1.8% of Univest Corporation of Pennsylvania shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Risk & Volatility
Kearny Financial has a beta of 0.63, meaning that its stock price is 37% 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.
Summary
Univest Corporation of Pennsylvania beats Kearny Financial on 11 of the 17 factors compared between the two stocks.
About Kearny Financial
Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. It offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. The company also provides various loans, such as multi-family and nonresidential real estate mortgage loans, commercial term loans and lines of credit, one- to four-family residential mortgage loans, and home equity loans and lines of credit; loans to individuals, builders, or developers for the construction of multi-family residential buildings or commercial real estate, or for the construction or renovation of one- to four-family residences; overdraft lines of credit; and personal loans. In addition, it engages in the investment activities. Kearny Financial Corp. was founded in 1884 and is headquartered in Fairfield, New Jersey.
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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