UNIVEST FINANCIAL Corp (NASDAQ: UVSP)

Univest Financial Corporation is a Pennsylvania based bank holding company that owns all of the capital stock of Univest Bank and Trust Co. and is the sole member of 1876 Double Eagle LLC. The corporation provides banking and financial services to individuals, businesses, municipalities and non profit organizations through its bank subsidiary and several wholly owned subsidiaries. Its headquarters are located at 14 North Main Street Souderton Pennsylvania 18964. As of December 31 2025 the corporation reported total assets of $8.4 billion net loans and leases of $6.8 billion total deposits of $7.1 billion and total shareholders equity of $943.3 million.

Univest Financial Corporation generates revenue primarily from interest income earned on its loan and lease portfolio and from fee based services offered by its subsidiaries. The bank segment earns interest on commercial loans, residential mortgages, consumer loans and lease financing. The wealth management segment generates fees from broker dealer commissions, investment advisory fees and pension consulting services. The insurance segment earns commissions from property and casualty policies, employee benefit plans and other insurance products. Additional revenue comes from service charges on deposit accounts, treasury management fees and gains on the sale of loans.

Univest Financial Corporation operates through the following segments:

• Banking segment provides traditional banking services including deposit taking, commercial and consumer lending, mortgage lending and treasury management to individuals, businesses, municipalities and non profit organizations.

• Wealth management segment offers broker dealer services, investment advisory services and pension consulting to individual investors, institutional clients and municipal entities through Girard Investment Services LLC, Girard Advisory Services LLC and Girard Pension Services LLC.

• Insurance segment delivers property and casualty insurance, employee benefit plans and other insurance products to businesses and individuals via Univest Insurance LLC and Girard Investment Services LLC.

Univest Financial Corporation holds a strong position within the regional banking market of southeastern Pennsylvania, ranking among the top ten financial institutions in deposit market share in Montgomery, Bucks, Lancaster and Philadelphia counties. The corporation competes with large national banks, regional banks, credit unions, finance companies and emerging financial technology firms. Its competitive advantages stem from deep local knowledge, personalized service delivery, community focused decision making and the ability to offer an integrated suite of banking, wealth management and insurance solutions under one brand.

The corporation serves a diverse customer base that includes retail consumers, small and medium sized businesses, municipal governments, school districts and non profit organizations. It also provides specialized pension and investment advisory services to municipal entities and public sector clients. While specific customer names are not disclosed in the filing, the described segments indicate a broad mix of individual, commercial and institutional relationships across its geographic footprint.