Univest Financial vs Amalgamated Financial

This page compares Univest Financial and Amalgamated Financial, exploring their business models, financial performance, and market context in clear, neutral terms. The comparison aims to inform, without urging action or endorsement. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

UVSP

Metric

AMAL

$936.57M

Market Cap

$1.01B

-4.05%

Potential Profit

-4.25%

Hold

Analyst Rating

Buy

Investment Analysis

Univest Financial

UVSP

Pros

Univest Financial operates with a diversified business model through Banking, Wealth Management, and Insurance segments, enhancing revenue stability.
The company showed revenue growth of 2.45% and net income growth of 6.79% in 2024, indicating improving profitability.
Univest maintains a solid asset base with approximately $8 billion in total assets and $5.2 billion in assets under management as of March 2025.

Considerations

The stock's upside potential appears limited with analysts setting a modest 12-month price target increase of around 1.47% to 3%.
Univest's price-to-earnings ratio of about 11 is slightly below sector average but indicates moderate valuation leverage.
The company's beta of 0.72 reflects lower market volatility which might limit rapid stock price appreciation in bullish markets.

Amalgamated Financial

AMAL

Pros

Amalgamated Financial Corp is recognized as a community-focused bank with niche expertise in union-related and socially responsible banking.
It has demonstrated relatively stable asset quality and client base due to its specialized focus, supporting consistent revenue streams.
Amalgamated has a track record of steady dividend payments, appealing to investors seeking income stability.

Considerations

The company's focused niche limits its geographic and sector diversification, increasing exposure to specific economic cycles.
Smaller asset base and scale compared to larger regional banks may restrict growth opportunities and market influence.
Amalgamated faces challenges from regulatory changes and increasing competition in the community banking sector.

About The Companies

Univest Financial (UVSP)

Univest Corp of Pennsylvania is a diversified financial services organisation. Acting as the holding company for Univest Bank and Trust Co., it provides a full suite of financial solutions through its main segments: Banking, Wealth Management, and Insurance. The company primarily serves individuals, businesses, and non-profits in the Mid-Atlantic region of the United States. Its banking arm offers services like deposit taking and mortgage banking, while the wealth management division handles investment advisory and financial planning. The insurance segment operates as a full-service brokerage. With a solid revenue base, Univest represents a significant regional player in the financial industry. For investors, it offers a look into a company with multiple, interconnected revenue streams focused on a specific geographical market. As with any investment, it's important to remember that past performance is not indicative of future results and that capital is at risk.

Amalgamated Financial (AMAL)

Amalgamated Financial Corp. operates as a bank holding company for its subsidiary, Amalgamated Bank. Describing itself as America's socially responsible bank, it provides a full suite of commercial and retail banking services, alongside trust and investment management. With branches in New York City, Washington D.C., and San Francisco, it serves a diverse client base including commercial businesses, individuals, and not-for-profit organisations. Its product offerings are extensive, covering everything from commercial real estate and industrial loans to residential mortgages and consumer loans, with a notable focus on residential solar financing. For investors, Amalgamated Financial represents a long-established institution in the banking sector with a distinct mission-driven approach. As with any investment, its value can go down as well as up, and returns are not guaranteed.

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Comparison Snapshot

Investment Analysis

Univest Financial

Pros

Considerations

Amalgamated Financial

Pros

Considerations

About The Companies

Buy UVSP or AMAL in Nemo

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6% Interest on Cash

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Frequently asked questions

What are the basic business models of Univest Financial and Amalgamated Financial?

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What does the revenue and net income growth tell us about Univest Financial’s performance?

How should I view valuation indicators like price-to-earnings in this comparison?

Why is beta mentioned, and what does a beta of 0.72 imply for Univest Financial?

What market considerations are relevant for Amalgamated Financial’s niche focus?

How does size and scale influence growth opportunities for Amalgamated Financial?

What should I look for when comparing asset quality and income stability?

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Educational disclaimer: Can I rely on these facts to make an investment decision?

Comparison Snapshot

About The Companies