UNIVEST FINANCIAL Corp: directors' dealings · United States · SEC (Form 4)

About UNIVEST FINANCIAL Corp

UNIVEST FINANCIAL Corp (ticker: UVSP) is a U.S.-listed financial institution traded on the NASDAQ market in the United States. The company is the holding company of Univest Bank and Trust Co., a FDIC-insured bank, and has been operating since 1876. Headquartered in Souderton, Pennsylvania, Univest has developed a regional franchise rooted in the Mid-Atlantic, with a business model centered on relationship banking and a broader suite of financial services rather than a pure deposit-and-loan profile. ([ir.univest.net](https://ir.univest.net/investors/news-and-events/press-releases/press-details/2016/Univest-Corporation-of-Pennsylvania-and-Fox-Chase-Bancorp-Receive-Approvals-for-Merger/default.aspx?utm_source=openai)) Univest’s operating platform is diversified across commercial banking, retail banking, residential mortgage lending, commercial real estate lending, construction lending, agricultural lending, SBA lending, wealth management, investment advisory, insurance brokerage, and equipment finance. This mix matters from a financial-analysis perspective because it provides multiple revenue streams: net interest income from the banking book and fee income from advisory, insurance, and other noninterest businesses. In its first-quarter 2026 results, the company highlighted growth in investment advisory fees, insurance commissions, and other fee-based income, underscoring the value of its non-bank subsidiaries. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000102212/ac87577b-80aa-4d2e-8954-c697436bdd42.pdf)) A key part of Univest’s strategy is to serve “full relationship” clients, meaning it seeks to deepen customer ties by cross-selling banking, lending, wealth, and insurance products. The company also emphasizes serving businesses, municipalities, nonprofit organizations, and agricultural customers. Recent disclosures show continued focus on commercial loan growth, commercial real estate, and construction lending, while management remains attentive to funding mix, deposit composition, and credit quality in a higher-rate environment. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000102212/ac87577b-80aa-4d2e-8954-c697436bdd42.pdf)) From a competitive standpoint, Univest is not a national mega-bank; its advantage lies in local density, long-standing brand recognition, and the ability to offer a broad financial platform to small and mid-sized clients in its core markets. The company’s footprint is concentrated in southeastern Pennsylvania, with reach into the broader Mid-Atlantic region. That geographic focus supports a community-bank style franchise, where local relationships, specialized lending expertise, and proximity to clients remain key differentiators. ([ir.univest.net](https://ir.univest.net/investors/news-and-events/press-releases/press-details/2021/Univest-Financial-Corporation-Releases-its-First-Environmental-Social-and-Governance-Report/default.aspx?utm_source=openai)) Recent corporate developments have been constructive. In April 2026, Univest reported first-quarter results showing higher net income year over year and announced a 4.5% increase in its quarterly dividend to $0.23 per share. Management also disclosed a restructuring charge tied to the planned closure of two underutilized facilities, which suggests ongoing branch-network optimization and cost discipline. The company has also continued share repurchases and reported improving noninterest income trends, particularly in wealth management and insurance. For investors, UVSP remains a regional U.S. financial institution combining traditional banking with fee-generating ancillary businesses. ([d18rn0p25nwr6d.cloudfront.net](https://d18rn0p25nwr6d.cloudfront.net/CIK-0000102212/ac87577b-80aa-4d2e-8954-c697436bdd42.pdf))