UVSP - Univest Financial Corp Stock Price, Fair Value and News

22.95USD+0.15 (+0.66%)Delayed

Market Summary

USD22.95+0.15

Delayed

0.66%

UVSP Alerts

1 major insider buys recently.

UVSP Stock Price

View Fullscreen

UVSP RSI Chart

UVSP Valuation

Market Cap

671.8M

Price/Earnings (Trailing)

9.55

Price/Sales (Trailing)

1.74

EV/EBITDA

1.57

Price/Free Cashflow

8.34

UVSP Price/Sales (Trailing)

UVSP Profitability

EBT Margin

22.78%

Return on Equity

8.34%

Return on Assets

0.91%

Free Cashflow Yield

11.99%

UVSP Fundamentals

UVSP Revenue

Revenue (TTM)

387.1M

Rev. Growth (Yr)

18.44%

Rev. Growth (Qtr)

-2.59%

UVSP Earnings

Earnings (TTM)

70.4M

Earnings Growth (Yr)

-3.47%

Earnings Growth (Qtr)

24.92%

Breaking Down UVSP Revenue

Last 7 days

1.3%

Last 30 days

24.5%

Last 90 days

13.6%

Trailing 12 Months

24.0%

How does UVSP drawdown profile look like?

UVSP Financial Health

Debt/Equity

0.25

Debt/Cashflow

0.38

UVSP Investor Care

Dividend Yield

3.66%

Dividend/Share (TTM)

0.84

Buy Backs (1Y)

0.54%

Diluted EPS (TTM)

2.39

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	387.1M	0	0	0
2023	284.2M	317.7M	347.9M	371.7M
2022	209.5M	213.7M	227.1M	252.2M
2021	203.4M	205.8M	208.8M	209.7M
2020	213.7M	209.7M	206.0M	203.9M
2019	199.3M	206.9M	212.0M	214.1M
2018	168.2M	174.6M	181.7M	190.5M
2017	139.3M	153.2M	158.7M	163.0M
2016	102.8M	103.3M	114.3M	126.6M
2015	81.8M	88.7M	95.2M	102.0M
2014	77.0M	76.3M	76.1M	75.9M
2013	79.7M	78.9M	78.4M	77.6M
2012	84.2M	82.7M	81.5M	80.7M
2011	90.2M	89.0M	87.2M	85.5M
2010	0	94.6M	92.8M	91.0M
2009	0	0	0	96.4M

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

Try For Just $1.99

Tracking the Latest Insider Buys and Sells of Univest Financial Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 07, 2024	paquin natalye	bought	19,169	22.2899	860	-
Mar 15, 2024	santana megan d	sold (taxes)	-28,362	19.56	-1,450	sr evp & chief risk officer
Mar 15, 2024	schweitzer jeffrey m	acquired	-	-	2,115	chairman, president & ceo
Mar 15, 2024	monios eleni s	acquired	-	-	1,019	evp & chief credit officer
Mar 15, 2024	keim michael s	sold (taxes)	-55,041	19.56	-2,814	senior evp & coo
Mar 15, 2024	richardson brian j	sold (taxes)	-31,765	19.56	-1,624	sr evp & cfo
Mar 15, 2024	richardson brian j	acquired	-	-	634	sr evp & cfo
Mar 15, 2024	monios eleni s	sold (taxes)	-7,080	19.56	-362	evp & chief credit officer
Mar 15, 2024	mccormick patrick c	acquired	-	-	3,489	sevp & chief comm bank officer
Mar 15, 2024	santana megan d	acquired	-	-	581	sr evp & chief risk officer

Which funds bought or sold UVSP recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-5.08	-70,356	613,191	-%
May 16, 2024	COMERICA BANK	added	11,533	177,609	179,239	-%
May 16, 2024	JANE STREET GROUP, LLC	sold off	-100	-324,590	-	-%
May 15, 2024	OCCUDO QUANTITATIVE STRATEGIES LP	sold off	-100	-238,321	-	-%
May 15, 2024	CITADEL ADVISORS LLC	reduced	-21.68	-101,993	290,626	-%
May 15, 2024	TWO SIGMA INVESTMENTS, LP	added	6.66	7,114	892,345	-%
May 15, 2024	Voya Investment Management LLC	reduced	-18.35	-67,360	227,688	-%
May 15, 2024	D. E. Shaw & Co., Inc.	sold off	-100	-301,591	-	-%
May 15, 2024	AQR CAPITAL MANAGEMENT LLC	added	6.89	84,974	8,398,600	0.01%
May 15, 2024	Point72 Asia (Singapore) Pte. Ltd.	new	-	41,281	41,281	0.01%

Are Funds Buying or Selling UVSP?

Are funds buying UVSP calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own UVSP

No. of Funds

UVSP Alerts

1 major insider buys recently.

Unveiling Univest Financial Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	pzena investment management llc	4.9%	1,458,921	SC 13G
Feb 13, 2024	vanguard group inc	5.26%	1,551,906	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	6.6%	1,957,085	SC 13G/A
Feb 09, 2024	fmr llc	-	0	SC 13G/A
Jan 23, 2024	blackrock inc.	11.8%	3,493,714	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	7.5%	2,184,264	SC 13G/A
Feb 09, 2023	vanguard group inc	5.19%	1,516,635	SC 13G/A
Feb 09, 2023	fmr llc	-	0	SC 13G/A
Jan 27, 2023	pzena investment management llc	5.61%	1,641,462	SC 13G/A
Jan 24, 2023	blackrock inc.	10.7%	3,139,292	SC 13G

Recent SEC filings of Univest Financial Corp

View All Filings

Date Filed	Form Type	Document
May 16, 2024	4	Insider Trading
May 13, 2024	4	Insider Trading
May 09, 2024	144	Notice of Insider Sale Intent
May 08, 2024	13F-HR	Fund Holdings Report
May 07, 2024	4	Insider Trading
Apr 30, 2024	10-Q	Quarterly Report
Apr 26, 2024	8-K	Current Report
Apr 25, 2024	8-K	Current Report
Apr 17, 2024	8-K	Current Report
Mar 21, 2024	EFFECT	EFFECT

Peers (Alternatives to Univest Financial Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Univest Financial Corp News

Latest updates

Univest Financial Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-2.6%	99.00	101	97.00	90.00	83.00	77.00	67.00	57.00	51.00	52.00	54.00	52.00	51.00	51.00	51.00	50.00	52.00	53.00	54.00	54.00	52.00
EBITDA Margin	-6.6%	0.78*	0.83*	0.94*	1.06*	1.16*	1.25*	1.29*	1.33*	1.38*	1.44*	1.48*	1.46*	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.5%	51.00	53.00	54.00	54.00	59.00	62.00	58.00	51.00	47.00	48.00	49.00	47.00	45.00	45.00	44.00	44.00	42.00	42.00	43.00	43.00	42.00
Income Taxes	26.6%	5.00	4.00	4.00	4.00	5.00	6.00	5.00	3.00	5.00	5.00	5.00	5.00	8.00	6.00	5.00	-0.26	-0.61	3.00	4.00	4.00	3.00
Earnings Before Taxes	25.3%	26.00	20.00	21.00	21.00	26.00	30.00	26.00	16.00	25.00	22.00	26.00	26.00	40.00	32.00	23.00	2.00	0.00	19.00	21.00	20.00	20.00
EBT Margin	-4.5%	0.23*	0.24*	0.28*	0.32*	0.35*	0.39*	0.39*	0.42*	0.47*	0.55*	0.59*	0.59*	-	-	-	-	-	-	-	-	-
Net Income	24.9%	20.00	16.00	17.00	17.00	21.00	24.00	21.00	13.00	20.00	17.00	21.00	21.00	33.00	26.00	18.00	2.00	1.00	16.00	18.00	16.00	16.00
Net Income Margin	-5.0%	0.18*	0.19*	0.23*	0.26*	0.28*	0.31*	0.32*	0.34*	0.38*	0.44*	0.48*	0.47*	-	-	-	-	-	-	-	-	-
Free Cashflow	-58.5%	12.00	28.00	22.00	19.00	21.00	26.00	24.00	36.00	24.00	37.00	17.00	19.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-0.4%	7,747	7,781	7,828	7,600	7,359	7,222	6,907	6,701	7,108	7,122	6,980	6,356	6,417	6,336	6,383	6,125	5,465	5,381	5,354	5,154	5,036
Cash Equivalents	-19.3%	202	250	290	140	138	153	113	95.00	774	890	902	203	187	220	388	349	183	125	225	85.00	66.00
Net PPE	-5.3%	49.00	51.00	51.00	52.00	52.00	51.00	51.00	50.00	50.00	57.00	55.00	56.00	56.00	56.00	55.00	56.00	56.00	57.00	57.00	58.00	59.00
Goodwill	0%	176	176	176	176	176	176	176	176	176	176	173	173	173	173	173	173	173	173	173	173	173
Liabilities	-0.6%	6,903	6,941	7,021	6,795	6,560	6,446	6,153	5,937	6,334	6,349	6,224	5,616	5,694	5,644	5,714	5,470	4,813	4,706	4,689	4,503	4,398
Short Term Borrowings	-23.6%	5.00	6.00	15.00	245	272	197	81.00	98.00	19.00	20.00	14.00	25.00	27.00	18.00	18.00	211	18.00	19.00	19.00	39.00	73.00
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	210	150	160	170	145
Shareholder's Equity	0.5%	844	839	807	805	798	777	754	764	774	774	756	740	722	692	669	655	652	675	664	652	638
Retained Earnings	3.0%	489	475	465	454	443	429	411	396	389	375	364	349	334	307	281	269	272	289	279	267	257
Additional Paid-In Capital	-0.7%	299	301	300	299	298	301	300	299	298	299	298	297	296	296	297	296	295	295	295	294	293
Shares Outstanding	-0.6%	29.00	30.00	30.00	29.00	29.00	29.00	29.00	29.00	30.00	30.00	29.00	29.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	524	-	-	-	734	-	-	-	760	-	-	-	462	-	-	-	753	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-58.5%	11,568	27,874	21,804	19,323	20,740	25,978	23,744	35,793	23,940	36,794	17,150	18,520	29,873	5,088	20,508	14,531	11,052	19,236	22,355	14,502	17,055
Share Based Compensation	6.2%	1,025	965	1,114	1,005	1,110	1,122	1,049	1,015	934	1,024	911	889	874	-373	714	704	435	430	662	679	577
Cashflow From Investing	-174.6%	-14,491	19,416	-88,120	-236,937	-148,795	-273,102	-202,929	-295,375	-126,206	-167,645	78,679	72,009	-109,822	-100,126	-218,706	-498,000	-50,560	-125,841	-61,454	-100,838	-55,236
Cashflow From Financing	48.5%	-45,270	-87,832	216,246	219,701	113,580	286,613	197,718	-419,422	-14,103	118,644	603,079	-74,397	47,408	-72,780	237,345	649,096	97,282	6,399	179,866	104,762	-5,098
Dividend Payments	0.1%	6,206	6,197	6,188	6,487	6,178	6,141	6,154	6,203	6,109	5,895	5,883	5,877	5,920	-19.00	5,836	5,840	5,879	5,861	5,857	5,854	5,863
Buy Backs	1302.2%	6,478	462	-	-	-	-	3,811	7,570	-	-	-	-	295	-70.00	-	14.00	4,438	269	601	225	950

Get Full Access to Grufity – and Unlimited Downloads

Gain full access to fair value, watchlists, stock screener, unlimited page visits, and additional features by joining as a member today for just $1.99.

Try For Just $1.99

UVSP Income Statement

2024-03-31

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income
Interest and fees on loans and leases	$ 92,617	$ 78,655
Interest and dividends on investment securities:
Taxable	3,647	3,495
Exempt from federal income taxes	12	15
Interest on deposits with other banks	1,609	479
Interest and dividends on other earning assets	724	609
Total interest income	98,609	83,253
Interest expense
Interest on deposits	41,973	18,336
Interest on short-term borrowings	5	2,728
Interest on long-term debt and subordinated notes	5,164	2,872
Total interest expense	47,142	23,936
Net interest income	51,467	59,317
Provision for credit losses	1,432	3,387
Net interest income after provision for credit losses	50,035	55,930
Disaggregation of Revenue [Line Items]
Insurance commission and fee income	7,201	6,487
Bank owned life insurance income	842	767
Net gain on mortgage banking activities	939	625
Other income	1,025	471
Noninterest income	25,595	19,680
Noninterest expense
Salaries, benefits and commissions	31,338	31,014
Net occupancy	2,872	2,727
Equipment	1,111	993
Data processing	4,495	4,029
Professional fees	1,688	1,941
Marketing and advertising	416	371
Deposit insurance premiums	1,135	1,101
Intangible expenses	187	253
Other expense	6,832	7,100
Total noninterest expense	50,074	49,529
Income before income taxes	25,556	26,081
Income tax expense	5,251	5,047
Net income	$ 20,305	$ 21,034
Earnings Per Share [Abstract]
Basic (in dollars per share)	$ 0.69	$ 0.72
Diluted (in dollars per share)	$ 0.69	$ 0.71
Trust fee income
Disaggregation of Revenue [Line Items]
Noninterest income	$ 2,108	$ 1,955
Service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income	1,871	1,547
Investment advisory commission and fee income
Disaggregation of Revenue [Line Items]
Noninterest income	5,194	4,752
Other service fee income
Disaggregation of Revenue [Line Items]
Noninterest income	$ 6,415	$ 3,076

UVSP Balance Sheet

2024-03-31

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 49,318	$ 72,815
Interest-earning deposits with other banks	152,288	176,984
Cash and cash equivalents	201,606	249,799
Investment securities held-to-maturity (fair value $124,022 and $128,277 at March 31, 2024 and December 31, 2023, respectively)	143,474	145,777
Investment securities available-for-sale (amortized cost $397,982 and $395,727, net of allowance for credit losses of $817 and $731 at March 31, 2024 and December 31, 2023, respectively)	350,819	351,553
Investments in equity securities	3,355	3,293
Federal Home Loan Bank, Federal Reserve Bank and other stock, at cost	37,394	40,499
Loans held for sale	13,188	11,637
Loans and leases receivable, net of deferred income	6,579,086	6,567,214
Less: Allowance for credit losses, loans and leases	(85,632)	(85,387)
Net loans and leases held for investment	6,493,454	6,481,827
Premises and equipment, net	48,739	51,441
Operating lease right-of-use assets	30,702	31,795
Goodwill	175,510	175,510
Other intangibles, net of accumulated amortization	7,473	10,950
Bank owned life insurance	137,896	131,344
Accrued interest receivable and other assets	102,958	95,203
Total assets	7,746,568	7,780,628
LIABILITIES
Noninterest-bearing deposits	1,401,806	1,468,320
Interest-bearing deposits	5,003,552	4,907,461
Total	6,405,358	6,375,781
Short-term borrowings	4,816	6,306
Long-term debt	250,000	310,000
Subordinated notes	148,886	148,761
Operating lease liabilities	33,744	34,851
Accrued interest payable and other liabilities	60,095	65,721
Total liabilities	6,902,899	6,941,420
SHAREHOLDERS’ EQUITY
Common stock, $5 par value: 48,000,000 shares authorized at March 31, 2024 and December 31, 2023; 31,556,799 shares issued at March 31, 2024 and December 31, 2023; 29,337,919 and 29,511,721 shares outstanding at March 31, 2024 and December 31, 2023, respectively	157,784	157,784
Additional paid-in capital	298,914	301,066
Retained earnings	488,790	474,691
Accumulated other comprehensive loss, net of tax benefit	(54,740)	(50,646)
Treasury stock, at cost; 2,218,880 and 2,045,078 shares at March 31, 2024 and December 31, 2023, respectively	(47,079)	(43,687)
Total shareholders’ equity	843,669	839,208
Total liabilities and shareholders’ equity	$ 7,746,568	$ 7,780,628

About Univest Financial Corp

Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking products and services primarily in Pennsylvania. 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. The 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. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.

CEO	Mr. Jeffrey M. Schweitzer CPA
WEBSITE	univest.net
INDUSTRY	Banks Diversified
EMPLOYEES	973

Univest Financial Corp Frequently Asked Questions

What is the ticker symbol for Univest Financial Corp? What does UVSP stand for in stocks?

UVSP is the stock ticker symbol of Univest Financial Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Univest Financial Corp (UVSP)?

As of Fri May 17 2024, market cap of Univest Financial Corp is 671.79 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UVSP stock?

You can check UVSP's fair value in chart for subscribers.

What is the fair value of UVSP stock?

You can check UVSP's fair value in chart for subscribers. The fair value of Univest Financial Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Univest Financial Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UVSP so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Univest Financial Corp a good stock to buy?

The fair value guage provides a quick view whether UVSP is over valued or under valued. Whether Univest Financial Corp is cheap or expensive depends on the assumptions which impact Univest Financial Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UVSP.

What is Univest Financial Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, UVSP's PE ratio (Price to Earnings) is 9.55 and Price to Sales (PS) ratio is 1.74. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UVSP PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Univest Financial Corp's stock?

In the past 10 years, Univest Financial Corp has provided 0.048 (multiply by 100 for percentage) rate of return.