Univest

What Univest does

Univest Financial Corporation is a publicly traded regional bank holding company (NASDAQ: UVSP) headquartered in Souderton, Pennsylvania, with origins dating to 1876. Through its principal subsidiary, Univest Bank and Trust Co., the company provides an integrated suite of banking, lending, treasury management, insurance brokerage, wealth management, and equipment financing services to small and mid-sized businesses, individuals and families, municipalities, and nonprofit organizations. The company operates a 35+ financial center branch network across Pennsylvania with expansion into Maryland, complemented by digital channels including iOS/Android mobile banking apps, online banking, remote deposit capture, and lockbox services.

The core banking platform encompasses business checking accounts (Small Business, Business Plus, Business Advantage, and Business Analysis tiers), commercial lending products (lines of credit, term loans, business mortgages), treasury management (ACH origination, wires, merchant services, lockbox, escrow), and consumer banking. The insurance subsidiary, Univest Insurance LLC, offers commercial coverage across contractor, manufacturing, hospitality, healthcare, real estate, and nonprofit verticals. Wealth management is delivered through the Girard sub-brand, operating across Girard Advisory Services LLC, Girard Investment Services LLC, and Girard Pension Services LLC, with $5.9 billion in assets under management as of year-end 2025 covering fiduciary services, trust services, brokerage, employer retirement plans, and institutional pension plan administration. Equipment financing is provided through Univest Capital, Inc.

The revenue model is anchored by net interest income from a multi-billion loan book supplemented by recurring fee streams from wealth advisory (AUM-based fees), treasury management transaction fees, insurance brokerage commissions, and equipment lease income. The go-to-market is relationship-led through dedicated business banking relationship managers and wealth advisors, paired with self-serve digital banking. As of Q1 2026, the company reported quarterly revenue of $87.5 million, net income of $27.1 million (24.7% YoY growth), full-year 2025 record EPS of $3.13, total assets of $8.4 billion, and a market capitalization of $1.16 billion at an all-time stock high of $41.55 per share.

Name

Univest

Legal name

Univest Financial Corporation

Website

https://univest.net

Company type

Public

Founded year

1876

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Univest Financial Corporation is a publicly traded regional bank holding company (NASDAQ: UVSP) providing integrated banking, commercial lending, treasury management, insurance brokerage, wealth management (Girard, $5.9B AUM), and equipment financing to small and mid-sized businesses, individuals, municipalities, and nonprofits across Pennsylvania and Maryland.

Ownership category

akta.pro rank

Product category

Regional Commercial Banking

NAICS

Offices of Bank Holding Companies (551111), Depository Credit Intermediation (5221), Credit Intermediation and Related Activities (522)

SIC

State Commercial Banks (6022), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

akta.pro secondary industries

Real Estate (Commercial Property, REITs) (FSABACAH), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Commercial banking services
• Wealth management advisory
• Commercial insurance brokerage
• Equipment financing leasing
• Treasury management solutions

Headquarters

HQ city

Souderton

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Banking/Interest Income: Traditional banking revenue from interest earned on loans including commercial loans, business mortgages, and consumer lending. Core net interest margin of approximately 3.33% as of Q3 2025.
2. Treasury Management Fees: Fees for cash flow solutions, payables (ACH, wire transfers), receivables processing, and liquidity optimization services
3. Insurance Commissions: Revenue from insurance brokerage services across commercial lines including contractors, manufacturing, hospitality, real estate, healthcare, and nonprofit sectors
4. Wealth Management/AUM Fees: Fees from Girard wealth management division managing $5.9 billion in assets under management as of year-end 2025, including investment advisory, fiduciary, and brokerage services
5. Equipment Financing: Leasing and financing solutions for business equipment through Univest Capital

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels10 records

Core offering

Univest Financial Corporation is a regional bank holding company that provides integrated financial solutions across four core product pillars: commercial and consumer banking through Univest Bank and Trust Co. (deposits, lending, mortgages, treasury management); commercial insurance brokerage through Univest Insurance, LLC; wealth management and trust services through Girard subsidiaries; and equipment leasing and financing through Univest Capital, Inc. The company serves small-to-mid-size businesses, individuals, municipalities, and nonprofit organizations across Pennsylvania and the broader Mid-Atlantic region.

Product overview

Univest is a regional financial services company offering an integrated suite of banking, lending, treasury management, insurance, and wealth management products through its Univest Bank and Trust Co. subsidiary. The core banking platform provides business checking accounts, commercial lending (term loans, lines of credit, mortgages), and digital banking services. Treasury Management offers payables and receivables processing including ACH, wire transfers, remote deposit capture, merchant services, and lockbox. The insurance division provides commercial coverage for contractors, manufacturing, hospitality, healthcare, and nonprofit sectors. Girard Wealth Management, a subsidiary brand, delivers investment management, fiduciary services, employer retirement plans, institutional pension plans, and succession planning. Equipment financing is offered through Univest Capital. The company also provides fraud prevention tools and mobile/online banking platforms. This multi-channel portfolio is designed for small to mid-sized businesses, professional services firms, and institutional clients across Pennsylvania and Maryland markets.

Differentiator

Problem solved

Functional benefit

Brands

• Girard: Wealth management and advisory firm backed by Univest offering high-touch, custom financial strategies including investment management, fiduciary services, trust services, and brokerage through its subsidiaries Girard Advisory Services, LLC and Girard Investment Services, LLC.

Products and services

• Business Checking Accounts Tiered business checking accounts ranging from no-minimum-balance Small Business Checking to Business Advantage Checking with higher transaction limits and earnings credit, designed for businesses at various stages.
• Business Lines of Credit Fixed-rate and variable-rate credit lines for businesses to increase flexibility and cash flow, serving manufacturing, wholesale, retail, hospitality, nonprofit, and professional services industries.
• Business Term Loans Commercial financing solutions tailored to business needs with competitive variable or fixed-rate options, flexible terms matched to purpose and collateral, and seasonal financing options.
• Business Mortgages Flexible commercial real estate lending for buying, building, or refinancing business properties with experienced relationship managers.
• Treasury Management Comprehensive cash flow management including payables (ACH, wire transfers), receivables (remote deposit, merchant services, lockbox), liquidity optimization, and fraud prevention solutions for businesses.
• Business Insurance Full-service commercial insurance broker offering coverage for contractors, hospitality, real estate, healthcare, nonprofit, wholesale/distribution, and other industries with risk management and loss control services.
• Girard Wealth Management Wealth advisory services offered through Girard subsidiaries including investment management, fiduciary services, trust services, employer retirement plans, institutional pension plans, and succession planning.
• Univest Capital Equipment Financing Equipment financing services offering attractive leasing options for business equipment to boost operations, provided through Univest Capital, Inc.
• Mobile Banking Mobile and online banking platform enabling account management, fund transfers, bill payments, check deposits, real-time alerts, and fraud protection via iOS and Android apps.
• Online Banking Platform Digital banking platform for businesses providing account controls, credit line management, fund transfers, payment scheduling, and secure chat support.

Quantifiable outcome

• 24.7% EPS increase in Q1 2026 compared to Q1 2025
• +4 more outcomes

Named customers2 records

Segments9 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

One partnership is on record.

• La Salle UniversitycoreGTM or Marketing PartnerUnivest serves as the Official Banking Partner of La Salle University, advancing financial education, community investment, and long-term opportunity for students and families. The partnership demonstrates Univest's commitment to education sector engagement and community development in the Philadelphia region.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bryn Mawr Bank Corporation: Greater Philadelphia-area bank holding company with similar size, wealth management focus (BMO/Integrated Wealth), and commercial banking franchise. Closest comparable on geographic footprint and diversified financial services model.
• F.N.B. Corporation: Pittsburgh-based regional bank with Pennsylvania-heavy footprint, similar commercial lending and treasury management offerings, though larger in scale. Comparable business model and regional deposit gathering strategy.
• S&T Bancorp: Pennsylvania-headquartered community bank serving western PA with commercial banking, wealth management, and insurance services. Closely mirrors Univest's integrated regional bank model and customer segments.
• Tompkins Financial Corporation: Mid-Atlantic/Northeast regional bank with community banking, wealth management, and insurance subsidiaries. Similar diversified financial services structure and acquisition-driven growth strategy.
• First Commonwealth Financial Corporation: Pennsylvania-based regional bank offering commercial banking, consumer lending, and wealth management services. Direct competitor for SMB and middle-market relationships in overlapping PA markets.
• Trustco Bank Corp NY: Northeast regional community bank with similar deposit gathering, mortgage, and commercial lending focus. Comparable scale and community banking franchise model.
• Northwest Bancshares: Mutual holding company serving Pennsylvania and Ohio with community banking, mortgage, and consumer lending. Overlapping geographic footprint and similar SMB customer base.
• Peapack-Gladstone Financial Corporation: New Jersey-based commercial bank with private banking, wealth management, and commercial lending divisions. Comparable diversified financial services model targeting high-net-worth and commercial clients.

Regional players

• Lakeland Bancorp: New Jersey-based commercial bank with similar SMB and commercial real estate lending focus. Adjacent geographic peer serving the broader Mid-Atlantic commercial banking market.

Emerging players

• Customers Bancorp: Pennsylvania-headquartered commercial bank with digital-first and specialty lending focus. Comparable commercial banking client base with differentiated technology orientation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/UnivestCorp
• YouTubeyoutube.com/c/univestfinancial
• Facebookfacebook.com/UnivestCorporation
• LinkedInlinkedin.com/company/univest
• Instagraminstagram.com/univest_financial

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries7 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A7 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Univest