Which has the lower trailing P/E, FSBC or UVSP?

UVSP has the lower trailing P/E: FSBC trades at 12.85 and UVSP at 11.93. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FSBC or UVSP?

Over the past five years, FSBC grew revenue faster — FSBC at a 26.69% CAGR versus UVSP at 12.34%.

Does FSBC or UVSP pay a bigger dividend?

FSBC yields 2.19% and UVSP yields 2.17% based on trailing dividends and the latest price.

Is FSBC or UVSP more profitable?

FSBC runs the higher net margin — FSBC at 25.88% versus UVSP at 18.89%.

How have FSBC and UVSP total returns compared?

Over the past 10 years, FSBC delivered 14.90% and UVSP delivered 9.29% annualized total return. Past performance doesn't predict future results.

Five Star Bancorp (FSBC) vs Univest Financial Corporation (UVSP)

A side-by-side comparison of Five Star Bancorp and Univest Financial Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FSBC

Five Star Bancorp

$1.05B

$43.44Financial ServicesDelayed quote: Oct 6, 2026, 3:04 PM EDT

UVSP

Univest Financial Corporation

$1.14B

$41.39Financial ServicesDelayed quote: Oct 6, 2026, 3:05 PM EDT

Total return — FSBC vs UVSP

growth of $100 · dividends reinvested · last 10y

FSBC +301.1% (+14.9%/yr)UVSP +143.1% (+9.3%/yr)FSBC compounded faster over this window

FSBC UVSP

FSBC vs UVSP: by the numbers

•UVSP is the larger company ($1.14B vs $1.05B market cap).
•UVSP trades at the lower trailing earnings multiple (11.93 vs 12.85 P/E), one valuation lens rather than an overall verdict.
•FSBC converts more revenue to profit (25.88% vs 18.89% net margin).
•FSBC grew revenue faster over the past five years (26.69% vs 12.34% CAGR).
•FSBC pays the higher dividend yield (2.19% vs 2.17%).

Metrics side by side

Valuation

Metric	FSBC	UVSP
P/E ratio	12.85	11.93
Forward P/E	12.41	10.87
PEG ratio	2.30	0.82
P/S ratio	3.76	2.19
P/B ratio	2.21	1.20

Profitability

Metric	FSBC	UVSP
Operating margin	34.63%	23.57%
Net margin	25.88%	18.89%
ROE	15.20%	10.31%

Five Star Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Univest Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FSBC	UVSP
Dividend yield	2.19%	2.17%
Payout ratio	28.11%	25.94%

Growth (annualized)

Metric	FSBC	UVSP
Revenue CAGR (5Y)	26.69%	12.34%
EPS CAGR (5Y)	5.59%	14.58%
Total return CAGR (5Y)	15.10%	11.73%

Frequently asked

Which has the lower trailing P/E, FSBC or UVSP?: UVSP has the lower trailing P/E: FSBC trades at 12.85 and UVSP at 11.93. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FSBC or UVSP?: Over the past five years, FSBC grew revenue faster — FSBC at a 26.69% CAGR versus UVSP at 12.34%.
Does FSBC or UVSP pay a bigger dividend?: FSBC yields 2.19% and UVSP yields 2.17% based on trailing dividends and the latest price.
Is FSBC or UVSP more profitable?: FSBC runs the higher net margin — FSBC at 25.88% versus UVSP at 18.89%.
How have FSBC and UVSP total returns compared?: Over the past 10 years, FSBC delivered 14.90% and UVSP delivered 9.29% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FSBC analysis Full UVSP analysis Interactive comparison tool

Dig into the metrics

Five Star Bancorp P/E ratio Univest Financial P/E ratio Five Star Bancorp dividend yield Univest Financial dividend yield Five Star Bancorp ROE Univest Financial ROE Five Star Bancorp operating margin Univest Financial operating margin Five Star Bancorp revenue growth Univest Financial revenue growth

Five Star Bancorp & Univest Financial appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest Operating Margin Stocks Highest 10-Year Total Return Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.