COMP <GO>
FSBC vs UVSP // NET PROFIT MARGIN
Five Star Bancorp (NASDAQ) VS. Univest Financial Corporation (NASDAQ) • 15-METRIC TALLY: FSBC 3
— UVSP 4
■ METRIC PARITY
LAST: $45.76 (-0.17%) • MKT CAP: $1.12B
net-margins
—
LAST: $39.33 (-6.53%) • MKT CAP: $1.08B
net-margins
27.70%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FSBC VS. UVSP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FSBC | UVSP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.80% | 9.60% | +4.20 | FSBC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.36% | 9.36% | -3.00 | UVSP | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | — | 27.70% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 9.60% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.52% | 2.34% | -0.82 | UVSP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | UVSP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.0 | 35.0 | +22.07 | FSBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.9x | 11.2x | +5.70 | UVSP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.12B | $1.08B | $38.0M | FSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FSBC REV | UVSP REV | FSBC GROSS % | UVSP GROSS % | FSBC FCF | UVSP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $328.1M | — | — | $71.4M | $101.5M |
| FY 2024 | $0 | $299.2M | — | — | $51.2M | $75.1M |
| FY 2023 | $0 | $296.8M | — | — | $38.9M | $89.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FSBC // BETA —
UVSP // BETA —