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Univest Corporation Pennsylvania
Buy, Hold or Sell?

Let's analyse Univest together

PenkeI guess you are interested in Univest Corporation Pennsylvania. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Univest Corporation Pennsylvania. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Univest (30 sec.)










What can you expect buying and holding a share of Univest? (30 sec.)

How much money do you get?

How much money do you get?
$0.85
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$28.42
Expected worth in 1 year
$30.54
How sure are you?
88.1%

+ What do you gain per year?

Total Gains per Share
$2.97
Return On Investment
14.4%

For what price can you sell your share?

Current Price per Share
$20.64
Expected price per share
$19.11 - $20.80
How sure are you?
50%

1. Valuation of Univest (5 min.)




Live pricePrice per Share (EOD)

$20.64

Intrinsic Value Per Share

$25.76 - $70.03

Total Value Per Share

$54.18 - $98.45

2. Growth of Univest (5 min.)




Is Univest growing?

Current yearPrevious yearGrowGrow %
How rich?$839.2m$767.1m$45.4m5.6%

How much money is Univest making?

Current yearPrevious yearGrowGrow %
Making money$17.7m$19.5m-$1.7m-9.9%
Net Profit Margin21.6%26.3%--

How much money comes from the company's main activities?

3. Financial Health of Univest (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Univest? (5 min.)

Welcome investor! Univest's management wants to use your money to grow the business. In return you get a share of Univest.

What can you expect buying and holding a share of Univest?

First you should know what it really means to hold a share of Univest. And how you can make/lose money.

Speculation

The Price per Share of Univest is $20.64. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Univest.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Univest, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $28.42. Based on the TTM, the Book Value Change Per Share is $0.53 per quarter. Based on the YOY, the Book Value Change Per Share is $0.02 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.21 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Univest.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.552.7%0.602.9%0.663.2%0.602.9%0.422.0%
Usd Book Value Change Per Share1.085.3%0.532.6%0.020.1%0.361.8%0.452.2%
Usd Dividend Per Share0.211.0%0.211.0%0.211.0%0.190.9%0.170.8%
Usd Total Gains Per Share1.296.3%0.743.6%0.231.1%0.562.7%0.623.0%
Usd Price Per Share22.03-20.31-25.45-23.29-23.46-
Price to Earnings Ratio10.01-8.46-10.13-18.58-157.32-
Price-to-Total Gains Ratio17.03-35.27--1,186.55--210.52--117.57-
Price to Book Ratio0.78-0.74-0.98-0.95-1.30-
Price-to-Total Gains Ratio17.03-35.27--1,186.55--210.52--117.57-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share20.64
Number of shares48
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.210.19
Usd Book Value Change Per Share0.530.36
Usd Total Gains Per Share0.740.56
Gains per Quarter (48 shares)35.6626.76
Gains per Year (48 shares)142.62107.04
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
141102133377097
28120427674140204
3122306419111210311
4163408562148280418
5203510705186350525
6244612848223420632
7285714991260489739
83258151134297559846
93669171277334629953
10407101914203716991060

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%42.00.00.0100.0%121.00.00.0100.0%
Book Value Change Per Share4.00.00.0100.0%9.03.00.075.0%16.04.00.080.0%32.08.02.076.2%93.026.02.076.9%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%42.00.00.0100.0%121.00.00.0100.0%
Total Gains per Share4.00.00.0100.0%10.02.00.083.3%17.03.00.085.0%37.05.00.088.1%108.013.00.089.3%

Fundamentals of Univest

About Univest Corporation 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.

Fundamental data was last updated by Penke on 2024-03-22 06:45:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Univest Corporation Pennsylvania.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Univest earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Univest to the Banks - Regional industry mean.
  • A Net Profit Margin of 13.7% means that $0.14 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Univest Corporation Pennsylvania:

  • The MRQ is 13.7%. The company is making a huge profit. +2
  • The TTM is 21.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ13.7%TTM21.6%-7.9%
TTM21.6%YOY26.3%-4.7%
TTM21.6%5Y25.6%-3.9%
5Y25.6%10Y21.8%+3.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ13.7%18.4%-4.7%
TTM21.6%28.0%-6.4%
YOY26.3%25.2%+1.1%
5Y25.6%22.8%+2.8%
10Y21.8%19.8%+2.0%
1.1.2. Return on Assets

Shows how efficient Univest is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Univest to the Banks - Regional industry mean.
  • 0.2% Return on Assets means that Univest generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Univest Corporation Pennsylvania:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.2%0.0%
TTM0.2%YOY0.3%0.0%
TTM0.2%5Y0.3%0.0%
5Y0.3%10Y0.2%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.1%+0.1%
TTM0.2%0.2%+0.0%
YOY0.3%0.2%+0.1%
5Y0.3%0.2%+0.1%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient Univest is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Univest to the Banks - Regional industry mean.
  • 1.9% Return on Equity means Univest generated $0.02 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Univest Corporation Pennsylvania:

  • The MRQ is 1.9%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 2.2%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ1.9%TTM2.2%-0.3%
TTM2.2%YOY2.5%-0.4%
TTM2.2%5Y2.4%-0.2%
5Y2.4%10Y2.1%+0.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.9%1.4%+0.5%
TTM2.2%2.5%-0.3%
YOY2.5%2.7%-0.2%
5Y2.4%2.5%-0.1%
10Y2.1%2.8%-0.7%

1.2. Operating Efficiency of Univest Corporation Pennsylvania.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Univest is operating .

  • Measures how much profit Univest makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Univest to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Univest Corporation Pennsylvania:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM28.9%-28.9%
TTM28.9%YOY44.5%-15.5%
TTM28.9%5Y42.0%-13.1%
5Y42.0%10Y36.4%+5.6%
1.2.2. Operating Ratio

Measures how efficient Univest is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.13 means that the operating costs are $0.13 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Univest Corporation Pennsylvania:

  • The MRQ is 0.133. The company is very efficient in keeping operating costs low. +2
  • The TTM is -0.131.
Trends
Current periodCompared to+/- 
MRQ0.133TTM-0.131+0.264
TTM-0.131YOY-0.092-0.039
TTM-0.1315Y-0.010-0.121
5Y-0.01010Y0.107-0.117

1.3. Liquidity of Univest Corporation Pennsylvania.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Univest is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.06 means the company has $0.06 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Univest Corporation Pennsylvania:

  • The MRQ is 0.060. The company is unable to pay all its short-term debts. -2
  • The TTM is 17.323. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.060TTM17.323-17.263
TTM17.323YOY10.413+6.910
TTM17.3235Y48.416-31.092
5Y48.41610Y38.389+10.027
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM17.3230.124+17.199
YOY10.4130.225+10.188
5Y48.4160.219+48.197
10Y38.3890.131+38.258
1.3.2. Quick Ratio

Measures if Univest is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Univest to the Banks - Regional industry mean.
  • A Quick Ratio of 0.11 means the company can pay off $0.11 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Univest Corporation Pennsylvania:

  • The MRQ is 0.109. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 23.881. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ0.109TTM23.881-23.772
TTM23.881YOY15.396+8.485
TTM23.8815Y18.513+5.368
5Y18.51310Y14.799+3.714

1.4. Solvency of Univest Corporation Pennsylvania.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Univest assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Univest to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that Univest assets are financed with 89.2% credit (debt) and the remaining percentage (100% - 89.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Univest Corporation Pennsylvania:

  • The MRQ is 0.892. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.894. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.892TTM0.894-0.001
TTM0.894YOY0.890+0.004
TTM0.8945Y0.887+0.006
5Y0.88710Y0.881+0.007
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8920.915-0.023
TTM0.8940.917-0.023
YOY0.8900.919-0.029
5Y0.8870.919-0.032
10Y0.8810.927-0.046
1.4.2. Debt to Equity Ratio

Measures if Univest is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Univest to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 829.9% means that company has $8.30 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Univest Corporation Pennsylvania:

  • The MRQ is 8.299. The company is unable to pay all its debts with equity. -1
  • The TTM is 8.413. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ8.299TTM8.413-0.114
TTM8.413YOY8.104+0.309
TTM8.4135Y7.905+0.508
5Y7.90510Y7.374+0.532
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.29910.829-2.530
TTM8.41311.013-2.600
YOY8.10411.363-3.259
5Y7.90511.437-3.532
10Y7.37413.038-5.664

2. Market Valuation of Univest Corporation Pennsylvania

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Univest generates.

  • Above 15 is considered overpriced but always compare Univest to the Banks - Regional industry mean.
  • A PE ratio of 10.01 means the investor is paying $10.01 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Univest Corporation Pennsylvania:

  • The EOD is 9.374. Based on the earnings, the company is underpriced. +1
  • The MRQ is 10.005. Based on the earnings, the company is underpriced. +1
  • The TTM is 8.462. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD9.374MRQ10.005-0.631
MRQ10.005TTM8.462+1.543
TTM8.462YOY10.129-1.667
TTM8.4625Y18.579-10.117
5Y18.57910Y157.324-138.745
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD9.3747.398+1.976
MRQ10.0056.680+3.325
TTM8.4625.295+3.167
YOY10.1296.943+3.186
5Y18.5799.770+8.809
10Y157.3249.943+147.381
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Univest Corporation Pennsylvania:

  • The EOD is 5.849. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 6.243. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 7.412. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD5.849MRQ6.243-0.394
MRQ6.243TTM7.412-1.169
TTM7.412YOY7.436-0.024
TTM7.4125Y10.391-2.979
5Y10.39110Y9.850+0.541
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD5.849-2.069+7.918
MRQ6.243-1.868+8.111
TTM7.412-0.342+7.754
YOY7.4366.448+0.988
5Y10.3910.429+9.962
10Y9.8500.091+9.759
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Univest is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.78 means the investor is paying $0.78 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Univest Corporation Pennsylvania:

  • The EOD is 0.726. Based on the equity, the company is cheap. +2
  • The MRQ is 0.775. Based on the equity, the company is cheap. +2
  • The TTM is 0.739. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.726MRQ0.775-0.049
MRQ0.775TTM0.739+0.036
TTM0.739YOY0.982-0.243
TTM0.7395Y0.947-0.209
5Y0.94710Y1.302-0.354
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.7260.427+0.299
MRQ0.7750.386+0.389
TTM0.7390.470+0.269
YOY0.9820.642+0.340
5Y0.9470.795+0.152
10Y1.3021.025+0.277
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Univest Corporation Pennsylvania.

3.1. Institutions holding Univest Corporation Pennsylvania

Institutions are holding 76.501% of the shares of Univest Corporation Pennsylvania.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31BlackRock Inc11.83160.00234937141167243.4565
2023-12-31FMR Inc8.95540.00452644409882583.4528
2023-12-31Dimensional Fund Advisors, Inc.6.62780.01261957085-20059-1.0145
2023-12-31Vanguard Group Inc5.25560.00081551906567893.7983
2023-12-31Pzena Investment Management, LLC4.94070.12081458921-77202-5.0258
2023-12-31Manufacturers Life Insurance Co4.05690.01581197934980098.9105
2023-12-31State Street Corporation3.00710.001887954360234.2284
2023-12-31Renaissance Technologies Corp2.27270.0229671089-28680-4.0985
2023-12-31Geode Capital Management, LLC2.19490.0015648125286264.6208
2023-12-31Boston Partners Global Investors, Inc1.48890.0127439664197074.6926
2023-12-31Univest Financial Corp1.47372.8351435164-83334-16.0722
2023-12-31Goldman Sachs Group Inc1.45710.000943025021418499.129
2023-12-31AQR Capital Management LLC1.2780.01573773774764614.45
2023-12-31Northern Trust Corp1.24020.001536621842871.1845
2023-12-31American Century Companies Inc1.08870.00493214835574520.9774
2023-12-31Charles Schwab Investment Management Inc1.02720.001730333127840.9263
2023-12-31Hotchkis & Wiley Capital Management LLC1.02680.023830320056001.8817
2023-12-31Morgan Stanley - Brokerage Accounts0.93090.00052748817925240.5114
2023-12-31Nuveen Asset Management, LLC0.79770.0017235541129755.8297
2023-12-31Neuberger Berman Group LLC0.78940.0045233098-30956-11.7234
Total 61.74133.084918231344+626378+3.4%

3.2. Funds holding Univest Corporation Pennsylvania

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-09-30FIAM Small Cap Core Composite4.32020.63431275700680005.6305
2023-12-31FIAM Small Cap Core CIT Cl B4.2390.68031251706-37894-2.9384
2024-01-31JHancock Small Cap Core NAV3.63061.2024107207300
2024-02-29Vanguard Total Stock Mkt Idx Inv2.87210.001184809000
2024-02-29iShares Russell 2000 ETF2.64270.0251780362-128-0.0164
2024-01-31Strategic Advisers Fidelity US TtlStk2.08420.0135615440394946.8572
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr1.42280.008242013335440.8507
2024-01-31DFA US Targeted Value I1.39640.067941235100
2024-02-29Avantis US Small Cap Value ETF1.08080.06273191531340.042
2024-01-31DFA US Small Cap Value I1.04590.043330882627190.8883
2024-02-01iShares Russell 2000 Value ETF1.01820.0533006633800.1265
2023-12-31Fidelity Small Cap Index0.98980.025329227219310.6651
2024-01-31Fidelity Select Banking0.89441.3533264100185607.5588
2024-02-29State St Russell Sm/Mid Cp® Indx NL Cl C0.7380.010421792170003.3188
2024-02-29Dimensional US Targeted Value ETF0.69860.043320629400
2024-01-31BlackRock Advantage Small Cap Core Instl0.6320.11118662600
2024-01-31DFA US Small Cap I0.56420.02416658600
2024-01-31Fidelity Extended Market Index0.55790.009816475415360.9411
2024-01-31CREF Stock R10.4970.00261467701705013.1437
2024-01-31DFA US Micro Cap I0.49140.045314509400
Total 31.81624.41689394914+122326+1.3%

3.3. Insider Transactions

Insiders are holding 1.666% of the shares of Univest Corporation Pennsylvania.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-03-08Brian J RichardsonSELL120.24
2024-02-01Natalye PaquinBUY72520.96
2024-01-30Jeffrey M SchweitzerSELL95522.05
2023-11-28Jeffrey M SchweitzerSELL118.46
2023-11-01Natalye PaquinBUY89016.48
2023-07-31Natalye PaquinBUY76019.45
2023-05-09Martin P ConnorBUY500017.25
2023-04-28Natalye PaquinBUY83720.26

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Univest Corporation Pennsylvania compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.0840.531+104%0.023+4632%0.364+198%0.450+141%
Book Value Per Share--28.42027.495+3%25.917+10%24.687+15%19.676+44%
Current Ratio--0.06017.323-100%10.413-99%48.416-100%38.389-100%
Debt To Asset Ratio--0.8920.8940%0.890+0%0.887+1%0.881+1%
Debt To Equity Ratio--8.2998.413-1%8.104+2%7.905+5%7.374+13%
Dividend Per Share--0.2100.212-1%0.208+1%0.193+9%0.172+22%
Eps--0.5500.601-8%0.660-17%0.598-8%0.423+30%
Free Cash Flow Per Share--0.8820.700+26%0.880+0%0.679+30%0.521+69%
Free Cash Flow To Equity Per Share---2.0924.605-145%1.320-259%4.750-144%3.398-162%
Gross Profit Margin--0.9610.968-1%0.967-1%0.936+3%0.798+21%
Intrinsic Value_10Y_max--70.034--------
Intrinsic Value_10Y_min--25.757--------
Intrinsic Value_1Y_max--3.754--------
Intrinsic Value_1Y_min--2.182--------
Intrinsic Value_3Y_max--13.767--------
Intrinsic Value_3Y_min--6.941--------
Intrinsic Value_5Y_max--26.778--------
Intrinsic Value_5Y_min--12.084--------
Market Cap609470304.000-7%650515058.000600226267.620+8%753431681.500-14%688151173.724-5%692924664.011-6%
Net Profit Margin--0.1370.216-36%0.263-48%0.256-46%0.218-37%
Operating Margin---0.289-100%0.445-100%0.420-100%0.364-100%
Operating Ratio--0.133-0.131+198%-0.092+169%-0.010+108%0.107+25%
Pb Ratio0.726-7%0.7750.739+5%0.982-21%0.947-18%1.302-40%
Pe Ratio9.374-7%10.0058.462+18%10.129-1%18.579-46%157.324-94%
Price Per Share20.640-7%22.03020.308+8%25.453-13%23.287-5%23.458-6%
Price To Free Cash Flow Ratio5.849-7%6.2437.412-16%7.436-16%10.391-40%9.850-37%
Price To Total Gains Ratio15.952-7%17.02635.269-52%-1186.554+7069%-210.519+1336%-117.569+791%
Quick Ratio--0.10923.881-100%15.396-99%18.513-99%14.799-99%
Return On Assets--0.0020.002-11%0.003-25%0.003-23%0.002-14%
Return On Equity--0.0190.022-12%0.025-24%0.024-20%0.021-6%
Total Gains Per Share--1.2940.743+74%0.231+461%0.557+132%0.622+108%
Usd Book Value--839208000.000812531000.000+3%767116750.000+9%729523600.000+15%581256119.048+44%
Usd Book Value Change Per Share--1.0840.531+104%0.023+4632%0.364+198%0.450+141%
Usd Book Value Per Share--28.42027.495+3%25.917+10%24.687+15%19.676+44%
Usd Dividend Per Share--0.2100.212-1%0.208+1%0.193+9%0.172+22%
Usd Eps--0.5500.601-8%0.660-17%0.598-8%0.423+30%
Usd Free Cash Flow--26048000.00020673750.000+26%26058500.0000%20075800.000+30%15390904.762+69%
Usd Free Cash Flow Per Share--0.8820.700+26%0.880+0%0.679+30%0.521+69%
Usd Free Cash Flow To Equity Per Share---2.0924.605-145%1.320-259%4.750-144%3.398-162%
Usd Market Cap609470304.000-7%650515058.000600226267.620+8%753431681.500-14%688151173.724-5%692924664.011-6%
Usd Price Per Share20.640-7%22.03020.308+8%25.453-13%23.287-5%23.458-6%
Usd Profit--16254000.00017776000.000-9%19530000.000-17%17683000.000-8%12482785.714+30%
Usd Revenue--118234000.00085918750.000+38%74045500.000+60%69940350.000+69%55150785.714+114%
Usd Total Gains Per Share--1.2940.743+74%0.231+461%0.557+132%0.622+108%
 EOD+4 -4MRQTTM+17 -19YOY+17 -195Y+19 -1710Y+22 -14

4.2. Fundamental Score

Let's check the fundamental score of Univest Corporation Pennsylvania based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-159.374
Price to Book Ratio (EOD)Between0-10.726
Net Profit Margin (MRQ)Greater than00.137
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.109
Current Ratio (MRQ)Greater than10.060
Debt to Asset Ratio (MRQ)Less than10.892
Debt to Equity Ratio (MRQ)Less than18.299
Return on Equity (MRQ)Greater than0.150.019
Return on Assets (MRQ)Greater than0.050.002
Total4/10 (40.0%)

4.3. Technical Score

Let's check the technical score of Univest Corporation Pennsylvania based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5057.810
Ma 20Greater thanMa 5019.986
Ma 50Greater thanMa 10020.153
Ma 100Greater thanMa 20019.936
OpenGreater thanClose19.860
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Other Current Liabilities  -74,09258,212-15,880-289,708-305,588290,912-14,6765,002,1504,987,474
Long-term Assets Other  -228,266-293,842-522,108-259,736-781,84424,872-756,9727,709,3586,952,386
Cash and Short Term Investments  503,055-280,493222,562274,013496,575128,304624,879-697,694-72,815



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets7,803,550
Total Liabilities6,964,342
Total Stockholder Equity839,208
 As reported
Total Liabilities 6,964,342
Total Stockholder Equity+ 839,208
Total Assets = 7,803,550

Assets

Total Assets7,803,550
Total Current Assets306,916
Long-term Assets7,496,634
Total Current Assets
Cash And Cash Equivalents 249,799
Short-term Investments 351,553
Net Receivables 277,566
Inventory -204,751
Total Current Assets  (as reported)306,916
Total Current Assets  (calculated)674,167
+/- 367,251
Long-term Assets
Property Plant Equipment 83,236
Goodwill 175,510
Long Term Investments 500,623
Intangible Assets 10,950
Long-term Assets Other 6,952,386
Long-term Assets  (as reported)7,496,634
Long-term Assets  (calculated)7,722,705
+/- 226,071

Liabilities & Shareholders' Equity

Total Current Liabilities5,095,198
Long-term Liabilities1,869,144
Total Stockholder Equity839,208
Total Current Liabilities
Short-term Debt 95,965
Accounts payable 11,759
Other Current Liabilities 4,987,474
Total Current Liabilities  (as reported)5,095,198
Total Current Liabilities  (calculated)5,095,198
+/-0
Long-term Liabilities
Long term Debt 458,761
Capital Lease Obligations 34,851
Long-term Liabilities  (as reported)1,869,144
Long-term Liabilities  (calculated)493,612
+/- 1,375,532
Total Stockholder Equity
Common Stock157,784
Retained Earnings 474,691
Accumulated Other Comprehensive Income -50,646
Other Stockholders Equity 257,379
Total Stockholder Equity (as reported)839,208
Total Stockholder Equity (calculated)839,208
+/-0
Other
Capital Stock157,784
Cash and Short Term Investments -72,815
Common Stock Shares Outstanding 29,500
Liabilities and Stockholders Equity 7,803,550
Net Debt 250,119
Net Invested Capital 1,297,969
Net Working Capital -4,788,282
Property Plant and Equipment Gross 132,553
Short Long Term Debt Total 499,918



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-11-082016-09-302016-08-082016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-312000-12-312000-09-302000-06-302000-03-311999-12-311999-09-301999-06-301999-03-311998-12-311998-09-301998-06-301998-03-311997-12-311997-09-301997-06-301997-03-311996-12-311996-09-301996-06-301996-03-311995-12-311995-09-301995-06-301995-03-311994-12-311994-09-301994-06-30
> Total Assets 
800,800
830,700
847,200
836,300
851,200
851,100
881,900
881,900
904,100
906,200
912,500
916,700
940,700
932,300
973,200
988,500
1,023,500
1,047,900
1,070,500
1,073,000
1,090,800
1,098,600
1,121,000
1,138,730
1,157,854
1,160,796
1,204,195
1,207,126
1,219,609
1,238,329
1,260,713
1,253,996
1,293,455
1,321,969
1,325,865
1,305,138
1,524,676
1,581,216
1,657,168
1,624,403
1,639,638
1,638,381
1,666,957
1,666,935
1,699,635
1,746,675
1,769,309
1,787,684
1,851,573
1,937,397
1,929,501
1,935,930
1,978,272
1,952,375
1,972,505
2,059,572
2,012,659
2,046,390
2,084,797
2,065,901
2,086,821
2,117,849
2,085,421
2,064,822
2,088,572
2,114,204
2,133,893
2,108,579
2,058,377
2,174,127
2,206,839
2,192,164
2,188,727
2,232,081
2,304,841
2,263,036
2,255,601
2,252,996
2,191,559
2,201,194
2,197,252
2,222,196
2,235,321
2,757,495
2,780,578
2,851,568
2,879,451
2,824,777
3,107,617
3,107,617
4,140,444
4,140,444
4,230,528
4,273,931
4,453,527
4,417,363
4,560,367
4,613,959
4,749,181
4,817,321
4,984,347
5,035,527
5,154,298
5,353,611
5,400,533
5,464,768
6,125,312
6,382,831
6,336,496
6,416,665
6,356,305
6,698,177
7,122,421
7,107,740
6,700,813
6,907,397
7,222,016
7,358,991
7,600,150
7,828,066
7,803,550
7,803,5507,828,0667,600,1507,358,9917,222,0166,907,3976,700,8137,107,7407,122,4216,698,1776,356,3056,416,6656,336,4966,382,8316,125,3125,464,7685,400,5335,353,6115,154,2985,035,5274,984,3474,817,3214,749,1814,613,9594,560,3674,417,3634,453,5274,273,9314,230,5284,140,4444,140,4443,107,6173,107,6172,824,7772,879,4512,851,5682,780,5782,757,4952,235,3212,222,1962,197,2522,201,1942,191,5592,252,9962,255,6012,263,0362,304,8412,232,0812,188,7272,192,1642,206,8392,174,1272,058,3772,108,5792,133,8932,114,2042,088,5722,064,8222,085,4212,117,8492,086,8212,065,9012,084,7972,046,3902,012,6592,059,5721,972,5051,952,3751,978,2721,935,9301,929,5011,937,3971,851,5731,787,6841,769,3091,746,6751,699,6351,666,9351,666,9571,638,3811,639,6381,624,4031,657,1681,581,2161,524,6761,305,1381,325,8651,321,9691,293,4551,253,9961,260,7131,238,3291,219,6091,207,1261,204,1951,160,7961,157,8541,138,7301,121,0001,098,6001,090,8001,073,0001,070,5001,047,9001,023,500988,500973,200932,300940,700916,700912,500906,200904,100881,900881,900851,100851,200836,300847,200830,700800,800
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
42,324
50,258
49,496
95,540
47,377
56,198
49,508
108,731
37,150
60,912
44,483
95,990
36,595
46,810
42,933
1,169,921
40,565
50,524
39,376
1,260,076
1,271,088
1,290,064
1,323,762
1,361,028
1,392,193
1,419,963
1,471,978
1,477,615
1,486,991
1,511,560
1,487,350
1,473,999
1,510,289
1,503,585
1,547,977
1,553,118
1,566,571
1,571,624
1,556,103
1,575,205
1,537,704
1,563,380
1,602,732
1,575,467
1,571,519
1,549,415
1,671,617
1,643,332
1,648,400
1,653,126
1,621,170
1,709,346
1,658,611
1,671,661
1,690,634
1,689,451
1,709,111
1,728,924
1,745,544
1,749,785
2,210,784
2,239,369
2,310,175
2,341,258
2,327,282
2,651,866
36,404
43,410
43,410
3,509,162
3,555,999
3,730,845
3,721,829
3,852,515
3,904,405
4,056,351
4,109,302
4,266,933
4,289,365
4,408,111
4,629,947
4,665,388
4,768,447
5,455,755
5,742,444
5,691,934
5,767,408
5,687,169
1,413,218
1,416,068
1,364,195
295,726
740,029
660,361
222,562
829,678
965,573
306,916
306,916965,573829,678222,562660,361740,029295,7261,364,1951,416,0681,413,2185,687,1695,767,4085,691,9345,742,4445,455,7554,768,4474,665,3884,629,9474,408,1114,289,3654,266,9334,109,3024,056,3513,904,4053,852,5153,721,8293,730,8453,555,9993,509,16243,41043,41036,4042,651,8662,327,2822,341,2582,310,1752,239,3692,210,7841,749,7851,745,5441,728,9241,709,1111,689,4511,690,6341,671,6611,658,6111,709,3461,621,1701,653,1261,648,4001,643,3321,671,6171,549,4151,571,5191,575,4671,602,7321,563,3801,537,7041,575,2051,556,1031,571,6241,566,5711,553,1181,547,9771,503,5851,510,2891,473,9991,487,3501,511,5601,486,9911,477,6151,471,9781,419,9631,392,1931,361,0281,323,7621,290,0641,271,0881,260,07639,37650,52440,5651,169,92142,93346,81036,59595,99044,48360,91237,150108,73149,50856,19847,37795,54049,49650,25842,32400000000000000000000000
       Cash And Cash Equivalents 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
42,324
50,258
49,496
45,648
47,377
56,198
49,508
54,838
37,150
60,912
44,483
41,620
36,595
46,810
42,933
50,182
40,565
50,524
39,376
36,587
36,218
39,222
40,878
46,789
44,168
43,112
45,526
47,538
46,769
50,710
41,079
47,637
44,018
41,728
34,323
40,066
37,074
32,412
34,426
68,597
31,576
42,804
62,015
29,187
55,249
39,214
147,030
107,377
102,911
105,944
63,306
146,112
84,562
86,554
79,458
69,169
72,127
57,607
68,408
38,565
68,778
35,165
108,544
60,799
38,547
44,690
36,404
56,653
43,410
57,825
57,800
61,057
79,490
75,409
48,631
72,943
84,110
109,420
66,141
84,567
225,334
125,128
182,902
348,529
387,676
219,858
187,317
203,449
902,357
890,150
773,781
94,777
113,310
152,799
138,324
140,411
290,341
249,799
249,799290,341140,411138,324152,799113,31094,777773,781890,150902,357203,449187,317219,858387,676348,529182,902125,128225,33484,56766,141109,42084,11072,94348,63175,40979,49061,05757,80057,82543,41056,65336,40444,69038,54760,799108,54435,16568,77838,56568,40857,60772,12769,16979,45886,55484,562146,11263,306105,944102,911107,377147,03039,21455,24929,18762,01542,80431,57668,59734,42632,41237,07440,06634,32341,72844,01847,63741,07950,71046,76947,53845,52643,11244,16846,78940,87839,22236,21836,58739,37650,52440,56550,18242,93346,81036,59541,62044,48360,91237,15054,83849,50856,19847,37745,64849,49650,25842,32400000000000000000000000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21,321
0
0
0
15,795
0
0
0
3,900
55,170
56,999
46,813
2,528
27,183
24,115
320,485
1,869
27,350
16,747
21,251
13,213
14,501
0
0
23,399
2,394
2,169
2,012
12,250
31,105
1,632
2,642
5,266
1,277
1,192
1,114
48,062
85
67
48
17,563
21
18
30,526
425,361
45,671
45,538
70,054
429,734
439,115
416,035
393,359
336,281
315,928
301,856
304,302
314,283
330,257
331,576
333,500
329,770
292,425
254,095
460,369
460,369
443,637
443,637
431,612
425,590
398,280
398,518
376,787
347,804
336,933
328,507
315,648
293,022
262,143
246,924
198,886
194,201
189,227
218,640
238,829
274,862
277,773
317,007
349,994
351,382
347,479
350,256
367,656
356,164
334,538
351,553
351,553334,538356,164367,656350,256347,479351,382349,994317,007277,773274,862238,829218,640189,227194,201198,886246,924262,143293,022315,648328,507336,933347,804376,787398,518398,280425,590431,612443,637443,637460,369460,369254,095292,425329,770333,500331,576330,257314,283304,302301,856315,928336,281393,359416,035439,115429,73470,05445,53845,671425,36130,526182117,56348678548,0621,1141,1921,2775,2662,6421,63231,10512,2502,0122,1692,39423,3990014,50113,21321,25116,74727,3501,869320,48524,11527,1832,52846,81356,99955,1703,90000015,79500021,32100000000000000000000000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
49,892
49,892
0
0
53,893
53,893
0
0
54,370
54,370
0
0
67,617
67,617
0
0
27,340
28,406
29,837
29,836
30,089
31,721
31,265
31,640
30,176
28,685
29,036
29,198
25,569
32,967
27,440
26,238
30,315
43,149
46,047
44,666
56,993
57,151
50,779
50,817
53,804
57,132
53,371
56,569
10,010
53,476
50,321
48,259
92,709
133,847
135,518
148,898
115,795
145,662
145,274
149,154
127,201
158,618
164,886
167,042
135,628
171,897
183,481
54,286
184,171
52,243
186,982
181,723
177,480
170,226
171,270
175,856
179,711
178,833
180,569
181,285
182,980
180,965
170,494
199,112
220,365
233,144
188,854
231,595
228,985
233,088
208,911
242,666
270,265
279,240
301,677
313,576
333,103
340,694
277,566
277,566340,694333,103313,576301,677279,240270,265242,666208,911233,088228,985231,595188,854233,144220,365199,112170,494180,965182,980181,285180,569178,833179,711175,856171,270170,226177,480181,723186,98252,243184,17154,286183,481171,897135,628167,042164,886158,618127,201149,154145,274145,662115,795148,898135,518133,84792,70948,25950,32153,47610,01056,56953,37157,13253,80450,81750,77957,15156,99344,66646,04743,14930,31526,23827,44032,96725,56929,19829,03628,68530,17631,64031,26531,72130,08929,83629,83728,40627,3400067,61767,6170054,37054,3700053,89353,8930049,89249,89200000000000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,052,122
0
0
0
1,196,149
1,206,464
1,221,005
1,253,048
1,284,150
1,316,304
1,345,586
1,394,812
1,399,901
1,411,537
1,431,814
1,417,073
1,400,793
1,433,304
1,434,417
1,487,416
1,482,737
1,486,348
1,493,165
1,477,011
1,449,615
1,448,977
1,469,797
1,489,900
1,492,476
1,459,138
1,456,830
1,468,018
1,525,945
1,492,013
1,496,861
1,509,605
1,040,791
1,001,087
1,033,554
1,068,919
1,168,206
1,175,394
1,224,187
1,223,680
1,269,736
1,653,131
1,707,742
1,701,089
1,815,061
1,824,413
2,169,600
0
2,703,683
0
2,820,718
2,884,864
3,066,718
3,073,833
3,207,318
3,303,131
3,455,893
3,509,426
3,648,437
3,726,291
3,847,542
3,961,505
4,122,842
4,187,547
4,692,660
4,932,397
5,064,582
5,109,667
4,979,873
4,904,415
21,600
68,329
-418,452
114,649
-144,371
158,524
160,811
311,441
306,916
306,916311,441160,811158,524-144,371114,649-418,45268,32921,6004,904,4154,979,8735,109,6675,064,5824,932,3974,692,6604,187,5474,122,8423,961,5053,847,5423,726,2913,648,4373,509,4263,455,8933,303,1313,207,3183,073,8333,066,7182,884,8642,820,71802,703,68302,169,6001,824,4131,815,0611,701,0891,707,7421,653,1311,269,7361,223,6801,224,1871,175,3941,168,2061,068,9191,033,5541,001,0871,040,7911,509,6051,496,8611,492,0131,525,9451,468,0181,456,8301,459,1381,492,4761,489,9001,469,7971,448,9771,449,6151,477,0111,493,1651,486,3481,482,7371,487,4161,434,4171,433,3041,400,7931,417,0731,431,8141,411,5371,399,9011,394,8121,345,5861,316,3041,284,1501,253,0481,221,0051,206,4641,196,1490001,052,12200000000000000000000000000000000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16,600
0
0
0
15,800
0
0
0
15,400
301,466
319,145
329,551
363,964
322,715
341,697
349,414
363,883
336,600
354,417
375,234
411,115
350,190
409,405
498,375
487,247
408,935
402,857
394,507
406,881
395,847
409,571
422,913
408,281
395,491
431,610
465,419
451,886
448,939
466,712
465,025
498,506
549,283
509,074
498,413
531,679
499,330
515,197
561,746
510,216
527,118
525,192
511,472
558,426
537,060
508,962
502,510
563,507
543,764
535,601
610,911
595,495
604,425
583,940
562,362
502,108
492,083
468,328
476,652
485,536
546,711
541,209
541,393
538,193
497,495
455,751
3,569,136
251,355
3,676,823
721,366
717,932
722,682
695,534
702,347
709,554
692,830
692,696
717,414
746,162
746,187
723,664
715,536
696,321
669,557
640,387
644,562
649,257
669,136
662,219
771,636
787,123
782,371
777,990
592,766
270,551
781,844
756,972
7,496,634
7,496,634756,972781,844270,551592,766777,990782,371787,123771,636662,219669,136649,257644,562640,387669,557696,321715,536723,664746,187746,162717,414692,696692,830709,554702,347695,534722,682717,932721,3663,676,823251,3553,569,136455,751497,495538,193541,393541,209546,711485,536476,652468,328492,083502,108562,362583,940604,425595,495610,911535,601543,764563,507502,510508,962537,060558,426511,472525,192527,118510,216561,746515,197499,330531,679498,413509,074549,283498,506465,025466,712448,939451,886465,419431,610395,491408,281422,913409,571395,847406,881394,507402,857408,935487,247498,375409,405350,190411,115375,234354,417336,600363,883349,414341,697322,715363,964329,551319,145301,46615,40000015,80000016,60000000000000000
       Property Plant Equipment 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16,600
16,600
0
0
15,800
15,800
0
0
15,400
15,400
0
0
15,538
15,538
0
0
16,025
16,025
0
0
16,036
16,036
0
0
19,498
19,498
0
0
19,818
20,270
20,971
21,414
21,635
22,087
22,019
22,326
21,878
21,833
21,817
22,747
27,977
30,290
32,280
32,791
32,602
32,970
33,240
33,226
34,201
34,892
34,739
35,105
34,605
34,363
34,166
34,132
34,303
34,152
34,271
33,700
33,222
32,585
32,493
33,797
34,129
34,078
34,048
35,532
37,009
40,244
40,433
41,110
42,156
43,385
44,437
62,132
62,132
62,132
63,638
64,811
65,581
64,586
61,797
61,397
60,529
60,393
59,559
95,190
93,800
92,136
91,094
90,468
90,048
89,983
89,961
89,967
89,755
86,924
87,289
80,927
81,009
81,187
80,998
83,997
82,295
82,340
83,236
83,23682,34082,29583,99780,99881,18781,00980,92787,28986,92489,75589,96789,96189,98390,04890,46891,09492,13693,80095,19059,55960,39360,52961,39761,79764,58665,58164,81163,63862,13262,13262,13244,43743,38542,15641,11040,43340,24437,00935,53234,04834,07834,12933,79732,49332,58533,22233,70034,27134,15234,30334,13234,16634,36334,60535,10534,73934,89234,20133,22633,24032,97032,60232,79132,28030,29027,97722,74721,81721,83321,87822,32622,01922,08721,63521,41420,97120,27019,8180019,49819,4980016,03616,0360016,02516,0250015,53815,5380015,40015,4000015,80015,8000016,60016,60000000000000000
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
41,137
0
41,191
41,191
40,794
40,998
40,998
40,998
40,998
41,150
41,150
41,150
44,273
44,425
44,436
44,438
44,438
44,589
44,589
44,589
50,236
50,398
50,401
50,392
50,393
50,393
50,395
50,394
51,320
51,320
51,320
51,320
53,169
53,169
56,238
56,238
56,238
56,238
57,517
57,517
57,517
64,326
64,326
67,717
67,717
112,121
112,518
112,657
112,657
112,657
112,657
112,657
172,095
172,095
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
172,559
175,510
175,510
175,510
175,510
175,510
175,510
175,510
175,510
175,510
175,510175,510175,510175,510175,510175,510175,510175,510175,510172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,559172,095172,095112,657112,657112,657112,657112,657112,518112,12167,71767,71764,32664,32657,51757,51757,51756,23856,23856,23856,23853,16953,16951,32051,32051,32051,32050,39450,39550,39350,39350,39250,40150,39850,23644,58944,58944,58944,43844,43844,43644,42544,27341,15041,15041,15040,99840,99840,99840,99840,79441,19141,191041,13700000000000000000000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,408,226
1,437,659
1,465,497
1,477,439
1,481,818
1,518,615
1,531,491
1,535,395
1,548,309
1,574,109
1,585,260
1,603,531
1,629,315
1,634,606
1,663,612
2,078,612
2,140,221
2,129,396
2,207,055
2,207,554
2,365,426
3,201,150
3,201,150
3,299,158
3,299,158
3,356,525
3,535,236
3,514,391
3,655,718
3,751,558
4,238,785
4,283,979
4,450,105
4,501,316
4,602,770
4,667,152
4,795,985
4,813,301
5,292,578
5,500,495
5,630,733
5,740,127
397,426
5,601,408
5,753,683
518,902
514,124
5,783,417
507,562
6,165,195
513,116
488,043
500,623
500,623488,043513,1166,165,195507,5625,783,417514,124518,9025,753,6835,601,408397,4265,740,1275,630,7335,500,4955,292,5784,813,3014,795,9854,667,1524,602,7704,501,3164,450,1054,283,9794,238,7853,751,5583,655,7183,514,3913,535,2363,356,5253,299,1583,299,1583,201,1503,201,1502,365,4262,207,5542,207,0552,129,3962,140,2212,078,6121,663,6121,634,6061,629,3151,603,5311,585,2601,574,1091,548,3091,535,3951,531,4911,518,6151,481,8181,477,4391,465,4971,437,6591,408,22600000000000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,300
0
0
0
7,100
0
0
0
0
0
0
30,115
45,059
44,313
3,155
2,893
2,767
2,779
2,570
2,451
43,387
2,258
43,244
47,841
47,608
3,194
2,995
2,813
47,081
2,442
2,361
2,229
56,051
5,605
5,782
5,637
5,577
5,465
5,381
4,975
5,477
5,579
5,456
4,718
4,870
5,010
6,000
5,717
6,456
6,851
8,470
8,475
8,178
11,955
11,494
12,625
12,180
13,862
13,547
13,068
12,620
12,096
11,677
11,677
17,128
17,128
16,651
15,923
15,235
14,567
13,909
13,346
12,809
12,405
11,990
11,530
10,995
10,522
10,284
9,773
9,098
9,015
8,866
9,225
9,396
9,359
11,848
11,784
11,728
11,650
11,384
11,044
10,923
11,079
10,950
10,95011,07910,92311,04411,38411,65011,72811,78411,8489,3599,3969,2258,8669,0159,0989,77310,28410,52210,99511,53011,99012,40512,80913,34613,90914,56715,23515,92316,65117,12817,12811,67711,67712,09612,62013,06813,54713,86212,18012,62511,49411,9558,1788,4758,4706,8516,4565,7176,0005,0104,8704,7185,4565,5795,4774,9755,3815,4655,5775,6375,7825,60556,0512,2292,3612,44247,0812,8132,9953,19447,60847,84143,2442,25843,3872,4512,5702,7792,7672,8933,15544,31345,05930,1150000007,1000005,30000000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
509,619
500,013
512,426
549,079
517,414
529,565
635,397
547,291
595,051
746,473
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000746,473595,051547,291635,397529,565517,414549,079512,426500,013509,6190000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Long-term Assets Other 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-16,600
0
0
0
-15,800
0
0
0
-15,400
-301,466
-319,145
-329,551
-363,964
-322,715
-341,697
-349,414
-363,883
-336,600
-354,417
-375,234
-411,115
-350,190
-409,405
-498,375
-423,259
-408,935
-402,857
-394,507
-343,502
-352,070
-366,003
-379,464
-343,259
-352,083
-388,366
-417,578
-382,400
-401,320
-419,281
-417,774
-423,448
-502,252
-462,124
-451,595
-443,026
-443,327
-459,014
-505,717
-420,045
-471,260
-469,416
-456,103
-467,024
-480,161
-452,186
-446,472
-471,165
-485,585
-539,748
-615,411
-602,478
-608,869
1,210,266
1,250,791
1,316,985
1,348,729
1,378,181
1,411,575
1,400,852
1,853,185
1,875,491
1,944,617
1,976,407
2,003,597
-286,980
116,631
-484,213
124,817
3,009,017
3,079,642
3,256,434
3,275,673
3,403,404
3,868,581
3,654,138
3,720,169
3,872,920
3,927,252
4,059,866
4,299,732
4,360,920
4,520,553
-487,900
-458,813
-463,137
-649,257
-453,493
181,191
180,291
-1,116,077
183,082
-777,990
-228,266
-522,108
-781,844
-756,972
6,952,386
6,952,386-756,972-781,844-522,108-228,266-777,990183,082-1,116,077180,291181,191-453,493-649,257-463,137-458,813-487,9004,520,5534,360,9204,299,7324,059,8663,927,2523,872,9203,720,1693,654,1383,868,5813,403,4043,275,6733,256,4343,079,6423,009,017124,817-484,213116,631-286,9802,003,5971,976,4071,944,6171,875,4911,853,1851,400,8521,411,5751,378,1811,348,7291,316,9851,250,7911,210,266-608,869-602,478-615,411-539,748-485,585-471,165-446,472-452,186-480,161-467,024-456,103-469,416-471,260-420,045-505,717-459,014-443,327-443,026-451,595-462,124-502,252-423,448-417,774-419,281-401,320-382,400-417,578-388,366-352,083-343,259-379,464-366,003-352,070-343,502-394,507-402,857-408,935-423,259-498,375-409,405-350,190-411,115-375,234-354,417-336,600-363,883-349,414-341,697-322,715-363,964-329,551-319,145-301,466-15,400000-15,800000-16,60000000000000000
> Total Liabilities 
724,500
752,300
767,000
753,600
766,000
763,400
792,600
790,500
810,700
810,800
815,200
818,300
839,900
829,100
868,600
883,100
918,400
943,200
967,300
968,700
989,000
996,900
1,018,200
1,034,321
1,050,251
1,049,426
1,088,955
1,091,112
1,101,211
1,115,179
1,139,133
1,132,859
1,167,368
1,192,115
1,192,412
1,169,300
1,385,544
1,419,052
1,511,416
1,473,482
1,490,437
1,482,306
1,506,564
1,505,342
1,532,477
1,576,806
1,596,229
1,612,049
1,673,457
1,751,904
1,744,116
1,747,041
1,790,619
1,760,428
1,773,779
1,856,309
1,809,521
1,842,139
1,881,590
1,859,663
1,878,463
1,849,797
1,817,614
1,796,972
1,819,048
1,843,431
1,867,669
1,839,906
1,785,355
2,449,226
1,933,860
1,916,639
1,911,411
1,950,492
2,020,564
1,978,252
1,976,013
1,978,242
1,911,053
1,917,898
1,910,465
1,932,382
1,950,767
2,397,101
2,424,392
2,492,459
2,517,877
2,457,774
2,738,457
2,738,457
3,631,195
3,631,195
3,725,319
3,762,051
3,932,221
3,890,331
3,956,993
4,007,240
4,143,887
4,205,518
4,360,214
4,397,921
4,502,628
4,694,088
4,727,886
4,813,217
5,470,439
5,713,724
5,644,024
5,694,210
5,616,307
5,951,992
6,348,627
6,333,885
5,936,888
6,153,210
6,445,516
6,560,495
6,794,928
7,020,868
6,964,342
6,964,3427,020,8686,794,9286,560,4956,445,5166,153,2105,936,8886,333,8856,348,6275,951,9925,616,3075,694,2105,644,0245,713,7245,470,4394,813,2174,727,8864,694,0884,502,6284,397,9214,360,2144,205,5184,143,8874,007,2403,956,9933,890,3313,932,2213,762,0513,725,3193,631,1953,631,1952,738,4572,738,4572,457,7742,517,8772,492,4592,424,3922,397,1011,950,7671,932,3821,910,4651,917,8981,911,0531,978,2421,976,0131,978,2522,020,5641,950,4921,911,4111,916,6391,933,8602,449,2261,785,3551,839,9061,867,6691,843,4311,819,0481,796,9721,817,6141,849,7971,878,4631,859,6631,881,5901,842,1391,809,5211,856,3091,773,7791,760,4281,790,6191,747,0411,744,1161,751,9041,673,4571,612,0491,596,2291,576,8061,532,4771,505,3421,506,5641,482,3061,490,4371,473,4821,511,4161,419,0521,385,5441,169,3001,192,4121,192,1151,167,3681,132,8591,139,1331,115,1791,101,2111,091,1121,088,9551,049,4261,050,2511,034,3211,018,200996,900989,000968,700967,300943,200918,400883,100868,600829,100839,900818,300815,200810,800810,700790,500792,600763,400766,000753,600767,000752,300724,500
   > Total Current Liabilities 
724,500
752,300
767,000
753,600
766,000
763,400
792,600
790,500
810,700
810,800
815,200
818,300
839,900
829,100
868,600
883,100
918,400
943,200
64,000
59,500
67,600
92,000
72,100
65,463
67,644
59,506
1,129
73,188
76,724
87,409
17,855
79,501
82,217
83,775
1,155
74,725
72,129
111,867
29,000
128,107
122,743
129,437
17,500
1,472,300
20,700
19,000
1,262
1,580,500
35,700
70,800
17,900
1,717,000
1,761,000
17,600
5,521
1,827,800
62,799
83,900
111,500
75,500
97,400
128,400
87,755
61,847
49,046
9,008
24,600
1,815,900
1,761,800
1,876,100
47,394
47,401
45,611
39,642
37,955
38,747
36,955
42,463
29,299
36,652
33,165
34,234
47,452
50,844
50,887
49,063
49,929
48,148
287,707
260,216
118,345
211,379
246,143
119,886
273,322
69,537
146,410
259,863
273,092
127,764
234,377
115,768
77,019
58,320
63,194
63,047
258,741
65,807
52,198
49,588
41,502
43,136
46,070
58,435
145,859
57,698
191,186
306,727
305,588
14,676
5,095,198
5,095,19814,676305,588306,727191,18657,698145,85958,43546,07043,13641,50249,58852,19865,807258,74163,04763,19458,32077,019115,768234,377127,764273,092259,863146,41069,537273,322119,886246,143211,379118,345260,216287,70748,14849,92949,06350,88750,84447,45234,23433,16536,65229,29942,46336,95538,74737,95539,64245,61147,40147,3941,876,1001,761,8001,815,90024,6009,00849,04661,84787,755128,40097,40075,500111,50083,90062,7991,827,8005,52117,6001,761,0001,717,00017,90070,80035,7001,580,5001,26219,00020,7001,472,30017,500129,437122,743128,10729,000111,86772,12974,7251,15583,77582,21779,50117,85587,40976,72473,1881,12959,50667,64465,46372,10092,00067,60059,50064,000943,200918,400883,100868,600829,100839,900818,300815,200810,800810,700790,500792,600763,400766,000753,600767,000752,300724,500
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
64,000
59,500
67,600
92,000
72,100
65,463
67,644
59,506
1,129
73,188
76,724
87,409
17,855
79,501
82,217
83,775
1,155
74,725
72,129
111,867
29,000
128,107
122,743
129,437
17,500
17,500
20,700
19,000
1,262
0
35,700
70,800
17,900
17,900
0
17,600
5,521
0
62,799
83,900
111,500
75,500
97,400
128,400
87,755
61,847
49,046
9,008
24,600
24,600
0
0
3,407
5,000
0
0
108,023
102,444
101,533
82,318
72,211
0
4,000
0
41,215
0
0
0
35,932
27,388
236,000
260,216
64,000
211,379
196,171
79,366
231,726
32,091
105,431
216,426
231,853
86,765
189,768
73,185
39,350
18,970
18,680
18,415
210,780
17,681
17,906
64,413
62,382
48,742
20,106
18,976
97,606
80,711
197,141
271,881
244,666
14,676
95,965
95,96514,676244,666271,881197,14180,71197,60618,97620,10648,74262,38264,41317,90617,681210,78018,41518,68018,97039,35073,185189,76886,765231,853216,426105,43132,091231,72679,366196,171211,37964,000260,216236,00027,38835,93200041,21504,000072,21182,318101,533102,444108,023005,0003,4070024,60024,6009,00849,04661,84787,755128,40097,40075,500111,50083,90062,79905,52117,600017,90017,90070,80035,70001,26219,00020,70017,50017,500129,437122,743128,10729,000111,86772,12974,7251,15583,77582,21779,50117,85587,40976,72473,1881,12959,50667,64465,46372,10092,00067,60059,50064,000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
42,327
0
0
0
74,128
0
260,216
0
211,379
0
418,108
79,366
542,980
50,204
20,228
20,159
20,090
10,032
20,114
73,185
39,350
18,970
18,680
18,415
210,780
17,681
0
0
0
0
0
18,976
97,606
0
197,141
271,881
244,666
14,676
0
014,676244,666271,881197,141097,60618,9760000017,681210,78018,41518,68018,97039,35073,18520,11410,03220,09020,15920,22850,204542,98079,366418,1080211,3790260,216074,12800042,3270000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
930,792
944,688
945,948
971,924
969,200
973,590
977,828
998,137
1,006,110
1,032,874
1,054,707
1,043,106
1,035,573
1,176,310
1,211,784
1,270,268
1,233,776
1,252,278
1,239,063
1,270,884
1,298,584
1,316,397
1,342,125
1,366,715
1,405,043
1,439,777
1,463,716
1,488,545
1,521,340
1,556,701
1,518,163
1,532,603
1,616,843
1,504,007
1,507,527
1,527,328
1,573,052
1,565,076
1,536,903
1,564,257
1,572,681
1,609,772
1,677,641
1,686,270
1,665,225
36,372
38,475
47,394
42,401
45,611
39,642
37,955
38,747
36,955
42,463
29,299
36,652
33,165
34,234
47,452
50,844
50,887
49,063
49,929
48,148
51,707
54,345
54,345
0
49,972
40,520
41,596
37,446
40,979
43,437
41,239
40,999
44,609
42,583
37,669
39,350
44,514
44,632
47,961
48,126
52,198
49,588
41,502
43,136
46,070
39,459
48,253
57,698
68,137
50,726
60,922
64,374
11,759
11,75964,37460,92250,72668,13757,69848,25339,45946,07043,13641,50249,58852,19848,12647,96144,63244,51439,35037,66942,58344,60940,99941,23943,43740,97937,44641,59640,52049,972054,34554,34551,70748,14849,92949,06350,88750,84447,45234,23433,16536,65229,29942,46336,95538,74737,95539,64245,61142,40147,39438,47536,3721,665,2251,686,2701,677,6411,609,7721,572,6811,564,2571,536,9031,565,0761,573,0521,527,3281,507,5271,504,0071,616,8431,532,6031,518,1631,556,7011,521,3401,488,5451,463,7161,439,7771,405,0431,366,7151,342,1251,316,3971,298,5841,270,8841,239,0631,252,2781,233,7761,270,2681,211,7841,176,3101,035,5731,043,1061,054,7071,032,8741,006,110998,137977,828973,590969,200971,924945,948944,688930,79200000000000000000000000
       Other Current Liabilities 
724,500
752,300
767,000
753,600
766,000
763,400
792,600
790,500
810,700
810,800
815,200
818,300
839,900
829,100
868,600
883,100
918,400
943,200
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,621,294
1,725,063
-47,394
1,730,030
-45,611
-39,642
-37,955
-38,747
-36,955
-42,463
-29,299
-36,652
-33,165
-34,234
-47,452
-50,844
-50,887
-49,063
-49,929
-48,148
2,377,084
3,178,509
3,178,509
3,257,567
3,257,567
3,365,951
3,348,080
3,518,590
3,554,919
3,497,293
3,620,786
3,820,048
3,885,933
4,003,153
4,122,110
4,337,991
4,360,075
4,407,303
4,869,329
-48,126
-52,198
-49,588
-41,502
-43,136
-46,070
6,047,932
5,563,048
-80,711
-74,092
-15,880
-305,588
-14,676
4,987,474
4,987,474-14,676-305,588-15,880-74,092-80,7115,563,0486,047,932-46,070-43,136-41,502-49,588-52,198-48,1264,869,3294,407,3034,360,0754,337,9914,122,1104,003,1533,885,9333,820,0483,620,7863,497,2933,554,9193,518,5903,348,0803,365,9513,257,5673,257,5673,178,5093,178,5092,377,084-48,148-49,929-49,063-50,887-50,844-47,452-34,234-33,165-36,652-29,299-42,463-36,955-38,747-37,955-39,642-45,6111,730,030-47,3941,725,0631,621,29400000000000000000000000000000000000000000000000000943,200918,400883,100868,600829,100839,900818,300815,200810,800810,700790,500792,600763,400766,000753,600767,000752,300724,500
   > Long-term Liabilities 
8,700
11,600
13,600
12,100
12,600
12,600
16,600
15,500
18,200
14,000
13,600
14,700
13,800
14,100
17,100
20,200
18,200
22,900
83,700
75,800
84,700
106,800
89,500
18,075
18,075
21,075
26,075
27,575
24,075
24,075
24,075
24,075
31,075
31,075
31,075
36,075
68,743
68,270
87,306
87,394
91,402
90,910
90,418
89,926
89,434
88,942
88,449
87,957
82,465
97,898
107,405
105,913
115,426
114,940
114,453
123,966
102,860
122,374
99,387
71,697
61,196
20,696
10,065
9,875
9,500
9,125
8,375
8,375
8,000
2,449,226
6,875
1,500
1,125
750
20,994
20,619
20,619
42,463
29,299
36,652
33,165
34,234
47,452
49,270
49,304
49,340
49,377
49,414
49,450
186,962
186,962
271,581
221,609
276,214
310,819
300,438
250,159
250,084
250,009
239,944
239,904
279,000
303,499
293,001
282,533
342,867
342,369
436,314
331,205
306,354
230,850
228,438
227,327
227,518
227,981
57,698
3,843,384
6,253,768
501,938
502,653
1,869,144
1,869,144502,653501,9386,253,7683,843,38457,698227,981227,518227,327228,438230,850306,354331,205436,314342,369342,867282,533293,001303,499279,000239,904239,944250,009250,084250,159300,438310,819276,214221,609271,581186,962186,96249,45049,41449,37749,34049,30449,27047,45234,23433,16536,65229,29942,46320,61920,61920,9947501,1251,5006,8752,449,2268,0008,3758,3759,1259,5009,87510,06520,69661,19671,69799,387122,374102,860123,966114,453114,940115,426105,913107,40597,89882,46587,95788,44988,94289,43489,92690,41890,91091,40287,39487,30668,27068,74336,07531,07531,07531,07524,07524,07524,07524,07527,57526,07521,07518,07518,07589,500106,80084,70075,80083,70022,90018,20020,20017,10014,10013,80014,70013,60014,00018,20015,50016,60012,60012,60012,10013,60011,6008,700
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,000
5,000
5,000
0
0
0
20,994
20,619
20,619
0
0
0
0
0
0
49,270
49,304
49,340
49,377
49,414
49,450
186,962
186,962
221,609
221,609
276,214
310,819
300,438
250,159
250,084
250,009
239,944
239,904
239,898
264,891
254,885
244,916
304,948
94,903
193,413
293,515
173,617
98,719
98,797
193,874
98,952
99,030
99,107
243,260
148,385
148,510
0
0
00148,510148,385243,26099,10799,03098,952193,87498,79798,719173,617293,515193,41394,903304,948244,916254,885264,891239,898239,904239,944250,009250,084250,159300,438310,819276,214221,609221,609186,962186,96249,45049,41449,37749,34049,30449,27000000020,61920,61920,9940005,0005,0005,00000000000000000000000000000000000000000000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19,991
19,844
22,897
22,457
21,149
26,822
25,867
25,321
23,173
21,202
22,558
28,729
22,927
68,362
27,131
24,212
24,205
24,014
22,896
23,320
28,796
22,171
27,101
32,753
28,200
22,194
26,493
30,505
35,962
31,132
32,344
32,447
37,393
30,171
30,244
41,526
40,649
47,930
45,073
39,294
36,654
37,452
36,885
37,534
49,136
36,372
38,475
47,394
42,401
45,611
39,642
37,955
38,747
36,955
42,463
29,299
36,652
33,165
34,234
47,452
50,844
50,887
49,063
49,929
48,148
51,707
0
54,345
0
49,972
40,520
41,596
37,446
40,979
43,437
412
437
725
421
418
421
724
2,400
4,600
3,000
89,888
87,325
78,633
77,777
79,523
0
0
0
11,108
0
0
0
0
000011,10800079,52377,77778,63387,32589,8883,0004,6002,40072442141842172543741243,43740,97937,44641,59640,52049,972054,345051,70748,14849,92949,06350,88750,84447,45234,23433,16536,65229,29942,46336,95538,74737,95539,64245,61142,40147,39438,47536,37249,13637,53436,88537,45236,65439,29445,07347,93040,64941,52630,24430,17137,39332,44732,34431,13235,96230,50526,49322,19428,20032,75327,10122,17128,79623,32022,89624,01424,20524,21227,13168,36222,92728,72922,55821,20223,17325,32125,86726,82221,14922,45722,89719,84419,99100000000000000000000000
> Total Stockholder Equity
76,300
78,400
80,200
82,700
85,200
87,700
89,300
91,400
93,400
95,400
97,300
98,400
100,800
103,200
104,600
105,400
105,100
104,700
103,200
104,300
101,800
101,700
102,800
104,409
107,603
111,370
115,240
116,014
118,398
123,150
121,580
121,137
126,087
129,854
133,453
135,838
139,132
142,164
145,752
150,921
149,201
156,075
160,393
161,593
167,158
169,869
173,080
175,635
178,116
185,493
185,385
188,889
187,653
191,947
198,726
203,263
203,138
204,251
203,207
206,238
208,358
268,052
267,807
267,850
269,524
270,773
266,224
268,673
273,022
-275,099
272,979
275,525
277,316
281,589
284,277
284,784
279,588
274,754
280,506
283,296
286,787
289,814
284,554
360,394
356,186
359,109
361,574
367,003
369,160
509,249
509,249
509,249
505,209
511,880
521,306
527,032
603,374
606,719
605,294
611,803
624,133
637,606
651,670
659,523
672,647
651,551
654,873
669,107
692,472
722,455
739,998
746,185
773,794
773,855
763,925
754,187
776,500
798,496
805,222
807,198
839,208
839,208807,198805,222798,496776,500754,187763,925773,855773,794746,185739,998722,455692,472669,107654,873651,551672,647659,523651,670637,606624,133611,803605,294606,719603,374527,032521,306511,880505,209509,249509,249509,249369,160367,003361,574359,109356,186360,394284,554289,814286,787283,296280,506274,754279,588284,784284,277281,589277,316275,525272,979-275,099273,022268,673266,224270,773269,524267,850267,807268,052208,358206,238203,207204,251203,138203,263198,726191,947187,653188,889185,385185,493178,116175,635173,080169,869167,158161,593160,393156,075149,201150,921145,752142,164139,132135,838133,453129,854126,087121,137121,580123,150118,398116,014115,240111,370107,603104,409102,800101,700101,800104,300103,200104,700105,100105,400104,600103,200100,80098,40097,30095,40093,40091,40089,30087,70085,20082,70080,20078,40076,300
   Common Stock
15,700
15,700
15,700
15,700
15,700
15,700
19,600
19,600
19,600
19,600
19,600
19,600
19,600
19,600
39,300
39,300
39,300
39,300
39,300
39,300
39,300
39,300
39,300
41,039
41,037
41,037
41,037
41,037
41,037
41,037
41,037
41,037
41,037
41,037
49,587
49,580
49,580
49,580
49,580
49,580
49,580
49,580
49,580
74,370
74,371
74,370
74,370
74,370
74,370
74,370
74,370
74,370
74,370
74,370
74,370
74,370
74,370
74,370
74,370
74,370
74,370
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
91,332
110,271
110,271
110,271
110,271
110,271
110,271
144,559
144,559
144,559
144,559
144,559
144,559
144,559
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784
157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784157,784144,559144,559144,559144,559144,559144,559144,559110,271110,271110,271110,271110,271110,27191,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33291,33274,37074,37074,37074,37074,37074,37074,37074,37074,37074,37074,37074,37074,37074,37074,37074,37074,37174,37049,58049,58049,58049,58049,58049,58049,58049,58049,58741,03741,03741,03741,03741,03741,03741,03741,03741,03741,03741,03939,30039,30039,30039,30039,30039,30039,30039,30039,30019,60019,60019,60019,60019,60019,60019,60019,60015,70015,70015,70015,70015,70015,700
   Retained Earnings 
52,600
54,700
57,000
59,200
61,500
64,100
35,000
37,400
39,800
42,100
44,300
46,400
48,700
51,400
53,700
56,000
58,500
61,100
63,000
65,700
68,200
70,600
73,400
68,776
71,701
74,624
77,498
80,217
83,661
86,951
89,688
92,917
96,401
100,088
95,550
98,702
102,334
106,573
111,657
114,583
117,735
121,453
125,772
104,321
107,455
111,069
114,346
118,061
121,381
124,541
128,242
131,884
135,267
139,144
143,066
145,678
149,043
150,767
151,816
153,065
152,950
152,305
150,507
149,576
149,859
150,506
151,978
152,567
153,728
155,617
157,566
159,226
160,633
163,052
164,823
166,739
168,233
170,937
172,602
175,080
176,911
179,903
181,851
183,976
186,530
190,159
193,446
196,827
198,156
198,156
192,908
192,908
194,516
200,050
206,498
212,363
216,761
228,097
226,574
235,658
248,167
256,746
267,357
279,158
288,803
272,478
268,751
281,026
306,899
333,581
348,579
363,607
375,124
389,332
396,295
410,942
428,637
443,493
453,806
464,634
474,691
474,691464,634453,806443,493428,637410,942396,295389,332375,124363,607348,579333,581306,899281,026268,751272,478288,803279,158267,357256,746248,167235,658226,574228,097216,761212,363206,498200,050194,516192,908192,908198,156198,156196,827193,446190,159186,530183,976181,851179,903176,911175,080172,602170,937168,233166,739164,823163,052160,633159,226157,566155,617153,728152,567151,978150,506149,859149,576150,507152,305152,950153,065151,816150,767149,043145,678143,066139,144135,267131,884128,242124,541121,381118,061114,346111,069107,455104,321125,772121,453117,735114,583111,657106,573102,33498,70295,550100,08896,40192,91789,68886,95183,66180,21777,49874,62471,70168,77673,40070,60068,20065,70063,00061,10058,50056,00053,70051,40048,70046,40044,30042,10039,80037,40035,00064,10061,50059,20057,00054,70052,600
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
58,326
58,326
58,495
58,404
58,404
58,404
62,101
61,512
61,702
62,060
62,417
61,708
61,839
62,634
62,980
120,118
120,605
120,895
121,280
120,906
121,399
229,635
229,635
230,494
230,494
230,391
231,289
232,172
290,133
290,095
291,238
291,992
292,401
293,255
293,947
294,556
294,999
295,439
296,028
296,599
296,186
296,177
297,208
298,033
299,181
297,945
298,800
299,791
300,808
298,167
299,212
0
0
00299,212298,167300,808299,791298,800297,945299,181298,033297,208296,177296,186296,599296,028295,439294,999294,556293,947293,255292,401291,992291,238290,095290,133232,172231,289230,391230,494230,494229,635229,635121,399120,906121,280120,895120,605120,11862,98062,63461,83961,70862,41762,06061,70261,51262,10158,40458,40458,40458,49558,32658,32600000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock00-44,546-45,398-48,625-49,345-46,173-39,297-41,942-43,328-44,028-44,647-46,253-47,202-47,883-48,522-44,734-45,191-45,469-45,941-45,803-42,528-42,295-42,466-43,533-43,953-43,858-44,128-44,906-44,906-43,649-43,649-46,296-45,520-46,715-47,237-46,050-40,809-37,147-37,154-36,647-36,622-35,890-35,872-28,450-27,100-27,059-27,064-27,158-26,850-28,313-27,925-27,265-27,734-29,400-29,878-30,696-31,363-33,634-34,178-34,788-35,450-36,819-37,584-38,584-38,888-39,153-40,129-38,252-35,884-35,223-35,734-36,771-36,925-36,637-37,140-37,814-38,578-38,778-39,039-39,053-39,429-39,894-40,249-40,554-39,950-39,836-39,186-36,856-35,500-33,127-30,425-29,348-28,627-25,055-23,940-23,234-22,72700000000000000000000000
   Other Stockholders Equity 
8,000
8,000
8,500
8,200
8,000
7,900
34,100
34,400
34,200
33,900
33,400
33,400
32,500
31,600
10,800
9,500
6,500
2,100
-300
-1,100
-2,500
-4,000
-4,500
-2,074
-2,322
-3,028
-4,143
-7,715
-8,436
-9,513
-12,215
-14,588
-15,944
-18,274
-18,924
-19,038
-19,642
-19,337
-18,982
-18,517
-18,141
-18,127
-17,146
-16,941
-16,112
-15,194
-14,586
-14,866
-14,712
-13,358
-12,764
-13,391
-15,748
-17,556
-16,562
-16,244
-15,959
-14,852
-14,360
-14,068
-13,406
25,859
26,492
27,637
28,284
29,102
29,680
30,542
31,061
30,401
30,182
31,554
31,246
31,340
35,042
34,412
33,252
26,188
26,527
25,086
25,192
25,480
25,833
79,309
74,555
73,658
74,565
75,386
75,103
-14,204
185,986
-19,454
185,588
186,263
187,431
188,219
246,600
247,629
248,943
249,464
246,598
247,314
248,478
249,365
250,265
246,917
248,145
249,397
249,933
251,530
253,180
254,705
257,239
258,648
252,627
250,446
252,183
252,769
254,666
256,366
257,379
257,379256,366254,666252,769252,183250,446252,627258,648257,239254,705253,180251,530249,933249,397248,145246,917250,265249,365248,478247,314246,598249,464248,943247,629246,600188,219187,431186,263185,588-19,454185,986-14,20475,10375,38674,56573,65874,55579,30925,83325,48025,19225,08626,52726,18833,25234,41235,04231,34031,24631,55430,18230,40131,06130,54229,68029,10228,28427,63726,49225,859-13,406-14,068-14,360-14,852-15,959-16,244-16,562-17,556-15,748-13,391-12,764-13,358-14,712-14,866-14,586-15,194-16,112-16,941-17,146-18,127-18,141-18,517-18,982-19,337-19,642-19,038-18,924-18,274-15,944-14,588-12,215-9,513-8,436-7,715-4,143-3,028-2,322-2,074-4,500-4,000-2,500-1,100-3002,1006,5009,50010,80031,60032,50033,40033,40033,90034,20034,40034,1007,9008,0008,2008,5008,0008,000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue447,246
Cost of Revenue-6,070
Gross Profit441,176441,176
 
Operating Income (+$)
Gross Profit441,176
Operating Expense-60,837
Operating Income-5,057380,339
 
Operating Expense (+$)
Research Development0
Selling General Administrative125,013
Selling And Marketing Expenses2,180
Operating Expense60,837127,193
 
Net Interest Income (+$)
Interest Income347,899
Interest Expense-25,684
Other Finance Cost-93,062
Net Interest Income229,153
 
Pretax Income (+$)
Operating Income-5,057
Net Interest Income229,153
Other Non-Operating Income Expenses0
Income Before Tax (EBT)88,689-93,746
EBIT - interestExpense = -30,741
88,689
96,788
Interest Expense25,684
Earnings Before Interest and Taxes (EBIT)-5,057114,373
Earnings Before Interest and Taxes (EBITDA)938
 
After tax Income (+$)
Income Before Tax88,689
Tax Provision-19,232
Net Income From Continuing Ops78,68669,457
Net Income71,104
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses357,038
Total Other Income/Expenses Net88,689-229,153
 

Technical Analysis of Univest
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Univest. The general trend of Univest is BULLISH with 85.7% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Univest's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (85.7%) Bearish trend (-85.7%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Univest Corporation Pennsylvania.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 20.72 < 20.78 < 20.80.

The bearish price targets are: 19.12 > 19.12 > 19.11.

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Univest Corporation Pennsylvania Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Univest Corporation Pennsylvania. The current mas is .

The long score for the Moving Averages is 13/14.
The longshort score for the Moving Averages is 12/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Univest Corporation Pennsylvania Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Univest Corporation Pennsylvania. The current macd is -0.03374065.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Univest price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Univest. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Univest price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Univest Corporation Pennsylvania Daily Moving Average Convergence/Divergence (MACD) ChartUnivest Corporation Pennsylvania Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Univest Corporation Pennsylvania. The current adx is 12.97.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Univest shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
Univest Corporation Pennsylvania Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Univest Corporation Pennsylvania. The current sar is 19.11.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Univest Corporation Pennsylvania Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Univest Corporation Pennsylvania. The current rsi is 57.81. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Univest Corporation Pennsylvania Daily Relative Strength Index (RSI) ChartUnivest Corporation Pennsylvania Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Univest Corporation Pennsylvania. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Univest price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Univest Corporation Pennsylvania Daily Stochastic Oscillator ChartUnivest Corporation Pennsylvania Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Univest Corporation Pennsylvania. The current cci is 90.17.

Univest Corporation Pennsylvania Daily Commodity Channel Index (CCI) ChartUnivest Corporation Pennsylvania Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Univest Corporation Pennsylvania. The current cmo is 25.44.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Univest Corporation Pennsylvania Daily Chande Momentum Oscillator (CMO) ChartUnivest Corporation Pennsylvania Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Univest Corporation Pennsylvania. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Univest Corporation Pennsylvania Daily Williams %R ChartUnivest Corporation Pennsylvania Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Univest Corporation Pennsylvania.

Univest Corporation Pennsylvania Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Univest Corporation Pennsylvania. The current atr is 0.58778534.

Univest Corporation Pennsylvania Daily Average True Range (ATR) ChartUnivest Corporation Pennsylvania Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Univest Corporation Pennsylvania. The current obv is -3,191,962.

Univest Corporation Pennsylvania Daily On-Balance Volume (OBV) ChartUnivest Corporation Pennsylvania Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Univest Corporation Pennsylvania. The current mfi is 38.79.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Univest Corporation Pennsylvania Daily Money Flow Index (MFI) ChartUnivest Corporation Pennsylvania Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Univest Corporation Pennsylvania.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-03CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-10STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-14CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-21STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-24STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-27STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-01CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-12SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-13SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-14ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-28STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-29RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-01-03CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-04SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-08DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-09STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-10STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-12DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-16DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-17STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-19MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-26MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-29DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-30CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-31STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-02-05SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-12CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-15STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-16CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-23STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-29STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-04SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-05CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-03-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-08DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-14MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-18BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-20DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-03-22MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-03-27DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).

6.3. Candlestick Patterns

Univest Corporation Pennsylvania Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Univest Corporation Pennsylvania based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5057.810
Ma 20Greater thanMa 5019.986
Ma 50Greater thanMa 10020.153
Ma 100Greater thanMa 20019.936
OpenGreater thanClose19.860
Total3/5 (60.0%)
Penke

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