Univest Corporation of Pennsylvania (NASDAQ:UVSP – Get Free Report) and Blue Foundry Bancorp (NASDAQ:BLFY – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, valuation, profitability, institutional ownership, analyst recommendations, risk and dividends.
Insider & Institutional Ownership
75.1% of Univest Corporation of Pennsylvania shares are held by institutional investors. Comparatively, 56.5% of Blue Foundry Bancorp shares are held by institutional investors. 1.8% of Univest Corporation of Pennsylvania shares are held by insiders. Comparatively, 5.3% of Blue Foundry Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares Univest Corporation of Pennsylvania and Blue Foundry Bancorp”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 | 2.14 | $90.76 million | $3.33 | 11.98 |
| Blue Foundry Bancorp | $49.07 million | 5.60 | -$11.91 million | ($0.46) | -28.78 |
Univest Corporation of Pennsylvania has higher revenue and earnings than Blue Foundry Bancorp. Blue Foundry Bancorp is trading at a lower price-to-earnings ratio than Univest Corporation of Pennsylvania, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Univest Corporation of Pennsylvania and Blue Foundry Bancorp’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% |
| Blue Foundry Bancorp | -9.82% | -2.84% | -0.44% |
Volatility and Risk
Univest Corporation of Pennsylvania has a beta of 0.67, meaning that its share price is 33% less volatile than the S&P 500. Comparatively, Blue Foundry Bancorp has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent recommendations and price targets for Univest Corporation of Pennsylvania and Blue Foundry Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Univest Corporation of Pennsylvania | 0 | 3 | 1 | 0 | 2.25 |
| Blue Foundry Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Univest Corporation of Pennsylvania presently has a consensus target price of $37.00, indicating a potential downside of 7.22%. Given Univest Corporation of Pennsylvania’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Univest Corporation of Pennsylvania is more favorable than Blue Foundry Bancorp.
Summary
Univest Corporation of Pennsylvania beats Blue Foundry Bancorp on 12 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 Blue Foundry Bancorp
Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses in the United States. The company offers saving, time, and non-interest bearing deposits; demand accounts; and loans, such as one-to-four family residential property, multi-family, residential real estate, non-residential real estate, consumer, construction, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.
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