Univest
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.
- Company typePublic
- Founded1876
- HeadquartersSouderton, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingServices
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.
Univest firmographics
Firmographics- 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
Univest industry classification
Industry- 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
Where Univest is headquartered
LocationHeadquarters
- HQ city
- Souderton
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Univest business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- 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.
- Treasury Management Fees: Fees for cash flow solutions, payables (ACH, wire transfers), receivables processing, and liquidity optimization services
- Insurance Commissions: Revenue from insurance brokerage services across commercial lines including contractors, manufacturing, hospitality, real estate, healthcare, and nonprofit sectors
- 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
- Equipment Financing: Leasing and financing solutions for business equipment through Univest Capital
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Small Business Checking - For businesses with limited transaction needs and no minimum balance concerns |
| Subscription | Monthly | Business Plus Checking - For businesses preferring online account opening with lower balance requirements |
| Subscription | Monthly | Business Advantage Checking - Transactional account for businesses processing over 200 items monthly |
| Subscription | Monthly | Business Analysis Checking - For businesses with medium to high balances benefiting from earnings credit |
| Other | Pay-as-you-go | Business Lines of Credit - Fixed and variable rate credit options |
| Other | Pay-as-you-go | Business Term Loans - Tailored commercial financing solutions |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels10 records
Univest product offering
Product offeringCore 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
Companies that use Univest
Customer profileNamed customers2 records
Segments9 records
Ideal customer profiles3 records
Univest technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature4 records
Univest partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- La Salle UniversitycoreUnivest 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
Univest competitors and assessment
Company assessmentDirect 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
Univest social profiles
Digital presenceUnivest compliance and trust
Trust signalCompliance3 records
Univest financial estimates
Financial estimateRevenue estimate
Valuation estimate
Univest leadership team
Management profileNumber of profiles
Profiles4 records
Univest subsidiaries and ownership
Company hierarchySubsidiaries7 records
Univest funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Univest M&A and investment
M&A and investmentM&A7 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Univest
What does Univest do?
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.
Is Univest a public or private company?
Univest is a public company. It is classified as public and is currently operating.
When was Univest founded?
Univest was founded in 1876. It employs 501 to 1,000 people.
Where is Univest based?
Univest is headquartered in Souderton, United States, in the North America region.
How does Univest make money?
Five revenue lines are on record. Banking/Interest Income is the primary driver. The others are treasury Management Fees, insurance Commissions, wealth Management/AUM Fees and equipment Financing.
Who are Univest's main competitors?
Direct peers on record are Bryn Mawr Bank Corporation, F.N.B. Corporation, S&T Bancorp, Tompkins Financial Corporation, First Commonwealth Financial Corporation, Trustco Bank Corp NY, Northwest Bancshares and Peapack-Gladstone Financial Corporation. Lakeland Bancorp is listed as a regional player. Customers Bancorp is listed as an emerging player.
Does Univest have an API?
No public API is recorded for Univest.
What industry is Univest in?
Univest's product category is Regional Commercial Banking. Its primary akta.pro industry code is FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 551111 and its SIC code is 6022.