Univest Financial Corporation (UVSP)

In the past six months, Univest Financial Corp. reported strong fourth-quarter 2025 results, with net income of $22.7 million, or $0.79 diluted earnings per share, a 21.5% increase compared to Q4 2024. Univest announced net income of $25.6 million, or $0.89 diluted earnings per share, for the quarter ended September 30, 2025. Univest Financial Corporation announced the completion of a $50.0 million subordinated debt offering. The company was impacted by early loan payoffs and paydowns in the first three quarters of 2025, which eased in the fourth quarter. During the second quarter of 2025, a $23.7 million commercial loan relationship was placed on nonaccrual status due to suspected fraud, leading to a $7.3 million charge-off. The all-time high closing stock price for Univest of Pennsylvania was $35.47 on December 11, 2025. The 52-week high stock price is $36.00, and the 52-week low stock price is $22.83.

Demand seasonality for Univest Financial Corp.'s products and services is evident in certain areas. The company has experienced seasonal municipal inflows which contribute to increases in total deposits. Demand for certain loan products can be influenced by broader economic cycles and interest rate environments.

Univest Financial Corporation, founded in 1876, is a bank holding company providing financial solutions within the Financials sector, specifically Regional Banks. Its core business is segmented into Banking, Wealth Management, and Insurance. The company offers deposit taking, loan origination, mortgage banking, equipment lease financing, investment advisory, financial planning, trust services, brokerage services, and a full-service insurance brokerage agency.

Univest Financial Corp. primarily serves the Mid-Atlantic Region, with a significant presence in Pennsylvania and Maryland. The company delivers its services through a network of more than 50 offices and online platforms. It maintains a strong market position within Pennsylvania's Greater Philadelphia and Lehigh Valley markets, ranking within the top 15 banks in Pennsylvania by deposit market share as of mid-2024.

Univest Financial Corp. emphasizes its community involvement and customer-centric approach. The company actively participates in community programs such as the Restore, Repair, Renew program with the City of Philadelphia, providing low-interest home improvement loans. Univest also maintains a strong position as an agricultural lender, ranking as the second-largest in Pennsylvania and 36th nationally in 2024. Univest is also investing in digital advancements, having launched FedNow® in December 2024 to facilitate instant payments. The placement of a $23.7 million commercial loan on nonaccrual status due to suspected fraud in Q2 2025, while addressed, could have had some reputational implications.

Institutional investors hold a significant majority of Univest Financial Corp. shares, with 419 institutional owners and shareholders holding a total of 27,152,352 shares, representing over 80% of the company's ownership. Major institutional shareholders include BlackRock, Inc., Fmr Llc, Dimensional Fund Advisors Lp, Vanguard Group Inc, The Manufacturers Life Insurance Company, John Hancock Small Cap Core Fund Class I, Vanguard Total Stock Market Index Fund Investor Shares, Pzena Investment Management Llc, State Street Corp, and Geode Capital Management, Llc. Insiders retain a small equity stake, approximately 1.39%. No single entity holds majority control.