ANNUAL
REPORT 2024
U N I V E S T F I N A N C I A L C O R P O R A T I O N
2024 ANNUAL REPORT
1Excludes restructuring charges.
2024
$328,844
493,978
6,739,492
566,103
$8,128,417
$6,759,259
385,442
96,415
7,241,116
887,301
$8,128,417
2024
$412,355
201,185
211,170
5,933
205,237
88,055
197,992
95,300
19,369
$75,931
$30.55
2.60
2.58
2.58
0.84
29,215,365
29,045,877
(DOLLARS IN THOUSANDS)
Cash and interest-earning deposits
Investment securities, net of allowance for credit losses
Net loans and leases
Other assets
Total assets
Deposits
Borrowings
Other liabilities
Total liabilities
Shareholders’ equity
Total liabilities and shareholders’ equity
(DOLLARS IN THOUSANDS, EXCEPT SHARE AND PER SHARE DATA)
Interest income
Interest expense
Net interest income
Provision for credit losses
Net interest income after provision for credit losses
Noninterest income
Noninterest expense
Income before income taxes
Income taxes
Net income
Book value per share
Net income per share:
Basic
Diluted
Diluted-core1
Dividends declared per share
Weighted average shares outstanding
Period end shares outstanding
2023
$249,799
500,623
6,481,827
548,379
$7,780,628
$6,375,781
465,067
100,572
6,941,420
839,208
$7,780,628
2023
$371,730
151,733
219,997
10,770
209,227
76,824
197,362
88,689
17,585
$71,104
$28.44
2.42
2.41
2.45
0.84
29,433,359
29,511,721
2022
$152,799
507,562
6,044,226
517,429
$7,222,016
$5,913,526
440,401
91,589
6,445,516
776,500
$7,222,016
2022
$252,193
33,896
218,297
12,198
206,099
77,885
186,774
97,210
19,090
$78,120
$26.53
2.66
2.64
2.64
0.83
29,392,606
29,271,915
2024 Financial Performance
At December 31,
For years ended December 31,
To Our Family of Shareholders,
Customers and Employees:
Looking back on 2024, what stands out is our disciplined focus on executing with excellence to move Univest forward.
We’ve made a lot of investments over the past few years in both people and technology. During the year, we focused on
implementation to ensure we are getting a strong return on those investments. I am proud of the collaborative efforts of
the entire Univest Family. We embraced Fundamental #2 – Have a Growth Mindset and executed change aimed at being
more efficient, productive and profitable as an organization.
While investments in technology are necessary, we can never lose sight of the importance of human interactions and investing
in relationships. As we strive for continuous improvement, our goal is to utilize technology to make our interactions with
customers more impactful and make it easier for our customers to do business with us. These ongoing efforts add up to cost
and time savings, and, more importantly, allow us to positively change the lives of our customers and invest in our communities.
As we focused on crisp execution of our strategic initiatives, we continued to face a challenging environment.
While the economy continues to be resilient, increased regulations, elevated interest rates and intense competition for
deposits continue. We implemented a deposit gathering strategy which allowed us to continue to lend to our customers
and grow as an organization. Despite ongoing headwinds, we were able to outperform our peers in many areas. This
is largely due to our diversified lines of business which allow us to provide a variety of meaningful solutions for our
customers and deepen relationships.
In addition to paying quarterly dividends, we were active with stock buybacks over the course of the year and repurchased
more than 800,000 shares of stock while still growing our tangible book value. We also continued to focus on prudently
managing expenses. As we look to the year ahead, we are eager to continue to embrace change to improve. Our success
will depend on continuing to focus on execution, remaining disciplined in managing expenses, improving our efficiency ratio,
leveraging past investments, gathering deposits to support our loan growth and delivering exceptional service to our customers.
We are optimistic about the future. We are well positioned with our diversified business model, investments in
technology, strong capital and access to liquidity. We serve great markets, and we have great people with an unwavering
commitment to serving our customers. The culture at Univest is one of support and collaboration with the goal of making
a difference in the communities we serve. For 148 years, Univest has been grounded as a company guided by our core
values of Tradition, Integrity, Excellence, Community and Spirituality and, more recently, the 18 fundamentals of the
Univest Way. We are confident that staying true to these roots matched with forward thinking and discipline will allow
us to continue to reward our shareholders and earn our independence.
On behalf of the entire Univest Family, thank you for your trust, support and continued investment.
Sincerely,
Jeffrey M. Schweitzer
Chairman, President and CEO
UNIVEST FINANCIAL CORPORATION
2024
FINANCIAL
HIG HL IG H TS
Loan and Lease Outstandings
Net Income*
Total Revenue
$7,500,000
$80,000
$500,000
$1,000,000
$1,500,000
$2,000,000
$2,500,000
$3,000,000
$4,000,000
$4,500,000
$5,000,000
$55,000
$5,500,000
$60,000
$6,000,000
$65,000
$6,500,000
$70,000
$7,000,000
$75,000
$3,500,000
$-
$50,000
(IN THOUSANDS)
(IN THOUSANDS)
(IN THOUSANDS)
2022
2023
2024
Commercial Loans
Noninterest income
Consumer Loans
Net interest income
Residential Real Estate
Lease Financings
$350,000
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$-
2022
2023
2024
2022
2023
2024
Diluted Earnings Per Share*
* Excludes restructuring charges
* Excludes restructuring charges
2022
2023
2024
$3.00
$1.75
$2.00
$2.25
$2.50
$2.75
$1.25
$1.50
2022
2023
2024
1Tangible equity represents total shareholders’
equity less goodwill and other intangible assets
but includes mortgage servicing rights.
2Net income before amortization of intangibles
to average tangible common equity.
$8.1B
Total
assets
8.92%
Tangible common equity
to tangible assets
0.96%
Return on
average assets
2.86%
Net interest
margin
11.24%
Return on average
tangible equity1,2
2024 ANNUAL REPORT
UNIVEST FINANCIAL CORPORATION
$383.5M
Deposit growth
for the year ended
December 31, 2024
6.0%
Deposit growth
for the year ended
December 31, 2024
$259.4M
Loan growth
for the year ended
December 31, 2024
3.9%
Loan growth
for the year ended
December 31, 2024
Organic Banking Growth
2024 Highlights
Comprehensive Banking Solutions
Univest Financial Corporation had a solid year despite
a challenging climate. We were disciplined in our focus on
leveraging past investments to ensure we are getting a
strong return and positively impacting our ability to effectively
and efficiently serve our customers. This focus on crisp
execution allowed us to deepen relationships and move
Univest forward.
Treasury Management continues to outpace industry
growth while adding material value for our commercial
customers. This team plays an important role helping the
commercial bank grow its noninterest-bearing deposit
base while generating fee income. Our suite of liquidity,
digital, payment and fraud management solutions enables
customers to effectively and efficiently manage their daily
financial operations. Our team’s ability to provide new
ideas and advice, allows us to give organizations highly
tailored solutions designed to optimize their working
capital processes. Continuing to deliver these rich treasury
management experiences for our new and existing customers
is essential for Univest’s continued success.
In response to the intense competition for deposits,
we remained focused on our deposit growth strategy
resulting in total deposits increasing by $383.5 million, or
6.0%, from December 31, 2023, due to increases in consumer,
commercial, brokered and public funds deposits. We continue
to focus on key industries and verticals that are deposit-rich
and use treasury management services. This specialized
focus will help us drive deposit growth, to stand out from our
competitors and assist in achieving our goal of lowering our
loan-to-deposit ratio over time.
As part of our ongoing strategy to expand our product
offerings, we began to support instant payments in a “receive
only” fashion through the Automated Clearing House Real
Time Payments product. Since its launch in July, Univest has
received almost 12,000 payments totaling approximately $7.6
million for our customers. In December, we launched a second
“receive only” instant payment solution, the Federal Reserve’s
FedNow® product, to further meet customer needs.
Gross loans and leases increased $259.4 million, or 3.9%,
from December 31, 2023, primarily due to increases in
commercial, commercial real estate and residential mortgage
loans, partially offset by a decrease in construction loans.
For consumers, Univest continued to serve as a certified
Bank On partner and offered the Value Checking product
aimed at offering banking solutions to the underbanked
population. In 2024, the Consumer Services team grew our
portfolio of Value Checking accounts by 32% year-over-
year. We also continued our participation in the Restore,
Repair, Renew program with the City of Philadelphia and the
Philadelphia Redevelopment Authority, aimed at providing
homeowners with low-interest loans for investing in and
enhancing their properties. Univest’s participation provided
$5.8 million in consumer redevelopment loans in 2024, an
increase of 54% year-over-year.
The Commercial Division continues to be the primary driver
for loan growth accounting for $245.0 million of total loan
growth. A relationship-oriented pricing discipline, for both new
lending opportunities and renewals, and a continued focus
on deposit gathering and product cross-selling to deepen
relationships drove improved profitability in 2024. Highlights
for the year included Univest maintaining its position as the
second largest agricultural lender in the state of Pennsylvania
and 36th nationally, and the Western Pennsylvania and
Maryland expansion markets each successfully ramping up
and achieving full-year growth targets.
Our diversified lines of business allow us to provide a
variety of meaningful solutions for our customers and
deepen relationships while positively impacting our
financial results. Noninterest income for the year ended
December 31, 2024 was $88.1 million, an increase of
$11.2 million, or 14.6%, from the prior year.
Our Mortgage Banking Division had a solid year despite rising
interest rates and a lack of housing inventory, closing $367.8 million
of residential mortgages and $68.8 million in consumer loans. Purchase
transactions and new construction activity increased year-over-year
while refinance transactions were down due to higher interest rates.
Univest Home Loans provided financing to 545 first-time homebuyers,
allowing them to achieve their dream of owning their first house. As part
of a strategic decision to take advantage of favorable market conditions,
Univest completed its first ever sale of mortgage servicing rights and
transferred the servicing on more than 2,600 mortgage accounts,
generating a gain on sale of more than $3.0 million.
Our SBA lending team had a record year, achieving almost $3.0
million in gain on sale fee income. We have a team of dedicated SBA
Relationship Managers who cover our entire footprint and are supported
by a team of processors, underwriters and a closer which allows us to
deliver a seamless SBA experience for our customers.
Girard, a Univest Wealth Division, also had a strong year with a
notable revenue increase and strong new client acquisition.
The division ended the year with $5.2 billion in assets under
management and supervision, an increase of $500.0 million from 2023.
Portfolio management, trading, investment research and client service
were centralized to allow our advisors to focus on delivering
an exceptional client experience, sourcing additional assets and
expanding our financial planning services.
Univest Insurance continued to experience solid organic growth.
Overall revenues grew 4.5% and profitability increased 14.9% year-over-
year. The team remained focused on client retention and increased new
business sales to drive growth while remaining mindful of profitability.
Univest Capital experienced another strong year, achieving the seventh
consecutive year of strong profitability for the division. Portfolio quality
was excellent with low delinquency rates and low net charge-offs.
2024 ANNUAL REPORT
$88.1M
Noninterest income for the year
ended December 31, 2024
$11.2M
Noninterest income growth for the year
ended December 31, 2024
14.6%
Noninterest income growth for the year
ended December 31, 2024
Noninterest
Income Growth
Diversified Business
Univest renegotiated and renewed its contract with our core
system provider, Jack Henry and Associates. The renewal
generated significant long-term savings for the Bank and
defines important service level standards to ensure we continue
to deliver exceptional service to our customers.
Since our successful transition of the Commercial Bank to the
nCino platform in 2023, we have gained valuable insights
through performance metrics, allowing us to enhance the
effectiveness of our processes. A transparent and efficient
process allows our teams to better respond to customer needs,
in turn strengthening relationships and increasing overall
customer satisfaction. Our commitment to data-driven decision
making continues to drive improvements allowing us to make
strides in operational efficiency and elasticity.
To support our dedication to cultivating a culture of operational
excellence and enhancing our workforce’s skills to better serve
our customers, 18 employees from various departments across
Univest completed a Lean Six Sigma training program. These
individuals are currently undergoing certification and will be
instrumental in driving continuous improvement.
The Innovative Technologies Committee (ITC) was established
to serve as a research-and-development function for Univest.
The ITC is comprised of technology leaders who regularly meet
with Univest’s lines of business to evaluate new technology
opportunities to better serve the company and our customers.
Effective and responsible use of artificial intelligence is a primary
focus for the ITC with several use cases under consideration.
Operational Efficiency
Customer Experience
Delivering an excellent digital customer experience is no longer
an option, it is a necessity. As we work towards digital maturity,
we remain focused on taking a customer-centric approach.
As we continue to refine our digital platforms, our focus is on
enhancing the customer experience, prioritizing simplicity and
improving accessibility.
Using technologies we have invested in over the past few
years, we were able to look at real-time results and leverage
key learnings about customer preferences to refine our online
offering for small business. This led to adding the ability for
small businesses to digitally open checking accounts and apply
for financing at the same time. This provided convenience for
our customers and increased our competitive stance in the
markets we serve.
We also leveraged past investments to expand the use of our
online scheduling tool. Wealth clients and prospects are now
able to make an appointment with an advisor directly on the
website which provides the convenience and accessibility
today’s consumer expects. As we continue to advance our
capabilities for engagement on our website, we are focused on
analytics, search engine optimization and cultivating marketing
insights to personalize experiences.
During the year, we scaled the use of our automation tools
to improve our customer onboarding experience. The process
educates our customers and nurtures the expansion of
relationships. With the technology in place, we will be able
to scale communications and create marketing journeys
for additional audiences. Future expansion will include
additional channels as customer preferences and our
capabilities continue to evolve.
UNIVEST FINANCIAL CORPORATION
As part of our ongoing Financial Center
Optimization strategy, our Consumer Services
team successfully transitioned our Brownstown
Financial Center into a new location in New
Holland. We also closed our appointment-only,
limited-access Souderton Financial Center and
re-established our Souderton drive-up location
to better align with our customers’ schedules
and banking needs. In 2025, we look forward to
opening our rebuilt Skippack Financial Center.
Trusted Advisors
A vital part of connecting with our customers and prospects is demonstrating our
value as a trusted advisor. Our goal is to add value for our prospects and customers
by providing them with ideas and advice in addition to products and services. Serving
in an advisory role to businesses can help attract and maintain full relationships, drive
relationship primacy and grow relationships for years to come.
To further this goal, we introduced Trusted Advisors in Action, an internal training
program to engage and empower our frontline team members. The program
focuses on reinforcing strong sales and conversation skills so we can approach
prospects and customers in a thoughtful, value-focused manner that drives full
customer relationships.
Another important area of focus is refining our ability to tailor our approach based
on the unique needs of the customer. To do this, we are working to better understand
our customers so that we can create more personalized experiences based on their
specific demographics and financial behaviors. Through our investments in marketing
technology, we have the functionality and data analytic tools to use this detailed
insight to create personalized campaigns. These advancements will further allow
us to serve as thoughtful, trusted advisors and provide value-added solutions and
memorable experiences.
We continue to produce educational thought leadership content to demonstrate
our credibility and expertise and help Univest to stand out amongst our competitors.
Videos and articles published on our blog and shared on our social pages raise
awareness of Univest’s financial solutions and highlight our advisory role to local
businesses. In addition, an active media relations campaign features subject matter
experts from Univest and Girard, our wealth division, in local, regional and national
publications showcasing us as a trusted financial resource.
2024 ANNUAL REPORT
Our Franchise
Integrated Successes
148 years of business success
949 employees making it happen
38 financial centers
16 commercial & corporate offices
8 wealth offices
4 insurance offices
$5.2B assets under management & supervision
$1.0B loans serviced for others
$222M total insurance written premium
$245M equipment financing outstandings
71% of revenue from net interest income
29% of revenue from fee income operations
PHILANTHROPIC
YEAR
R EVI EW
IN
Community Impact
We remained steadfast in our commitment to give back through
our Committed To Local philanthropic program. This dedication
to giving back is one of the things that differentiates us in the
markets we serve, and we were proud to support nonprofit
organizations with financial contributions totaling $2.1 million.
Giving back is about more than just dollars, an important part of our philanthropy
is rolling up our sleeves and getting involved. We are grateful that the Univest
Family embraced our Community core value and collectively volunteered more
than 16,300 hours in 2024. To make it easy to get involved, we organized 47
Connecting with Community volunteer events for our employees with nonprofits
across the markets we serve such as Flint Hill Farm Educational Center, Maryland
Foodbank, Bucks County Opportunity Council, Boys and Girls Club of Western PA
and Habitat for Humanity® South Philadelphia ReStore®.
We were excited to deepen relationships with many community organizations and
raise brand awareness through sponsorships and partnerships that align with our
values and mission. We were proud to again serve as presenting sponsor for the
United Way of Bucks County’s Stuff the Bus program. In addition to supporting this
program financially and hosting collections at our offices, members of the Univest
Family volunteered to help package and distribute the supplies – a great example
of our holistic approach to giving back. We also continued our partnership with
ArtsQuest™ and served as the presenting sponsor of Christkindlmarkt Bethlehem®,
a favorite annual event that supports providing access to art, culture and
educational programs in the Lehigh Valley.
Our giving through the Pennsylvania Educational Improvement Tax Credit program
is an important aspect of our Committed To Local philanthropic program that truly
impacts the communities we serve. These funds supported 77 private and public
schools and educational improvement organizations across our markets.
Promoting financial literacy remained a priority and Univest continued to work
with financial literacy innovators to provide students across the markets we serve
with access to interactive online courses that educate on critical financial concepts.
We also participated in the American Bankers Association® Teach Children to
Save and Get Smart About Credit Days during which Univest volunteers visited
local schools to educate students. In addition, we facilitated a five-week financial
literacy series with Horizons at Greene Street Friends School. In total, we provided
financial education to more than 8,000 students during the year.
20%
47%
17%
16%
Youth and Education
Community &
Economic Development
Arts & Culture
Total financial
contributions
$2.1M
Organizations supported
through volunteer service
397
Organizations supported
financially
445
Students
educated
8,311
Connecting with community
volunteer events
47
Volunteer
hours
16,328
Health & Social Services
UNIVEST FINANCIAL CORPORATION
Supporting the Univest Family
People are at the heart of all we do, and it is the dedication
of the Univest Family that allows us to positively impact our
customers and communities. During the year we remained
committed to investing in our employees.
We established Employee Resource Groups (ERGs) for women and
people of color. These groups have significantly contributed to employee
engagement with 15% of employees participating in the ERGs. During the
year, the groups hosted in-person networking events, offered volunteer
opportunities and provided virtual sessions aimed at fostering open, honest
conversation and encouraging professional and personal development.
Our new Inclusive Conversations series included five sessions aimed at
creating a safe space to discuss meaningful topics, from navigating difficult
conversations to the impact of seasonal affective disorder.
As part of our hiring efforts, we participated in approximately 20 job
fairs and hiring events at various locations, including many colleges in
our footprint. We also launched a new career site with search engine
optimization and enhanced search capabilities. Our dedication to our
employees’ professional and personal development continued to keep
our organizational turnover less than the industry average.
As part of our efforts to develop our employees, we began career pathing
which gives us the ability to show our employees how they can advance in
their department and what education and skills they need to get there. They
then can enroll in courses through Univest University, our internal training
program, to begin that journey. We also launched the Univest Mentorship
Program with the first official cohort of ten mentor-mentee pairs who met
throughout the year to discuss personal and professional development.
Enhancements were made to our Summer Internship Program in 2024 to
include additional opportunities for networking and professional
development and a group volunteer project.
A focus on wellness was also a priority as we supported the Univest
Family in many ways, including providing access to a free Calm membership
for meditation, sleep and wellness content, healthy lifestyle challenges each
month and webinars on wellness topics from diet to mental health to financial
fitness. We also launched a book club that features books on leadership and
professional development.
Our dedication to our
employees’ professional
and personal development
continued to keep our
organizational turnover less
than the industry average.
2024 ANNUAL REPORT
JEFFREY M. SCHWEITZER
Chairman, President and Chief Executive Officer, Univest Financial Corporation
and Chairman and Chief Executive Officer, Univest Bank and Trust Co.
MICHAEL S. KEIM
President, Univest Bank and Trust Co.
and Chief Operating Officer, Univest Financial Corporation
BRIAN J. RICHARDSON
Senior Executive Vice President and Chief Financial Officer,
Univest Financial Corporation and Univest Bank and Trust Co.
MEGAN D. SANTANA, ESQ.
Senior Executive Vice President, Chief Risk Officer,
General Counsel and Corporate Secretary,
Univest Financial Corporation and Univest Bank and Trust Co.
MATTHEW L. COHEN
Market President, Maryland,
Univest Bank and Trust Co.
ERIC W. CONNER
Senior Executive Vice President and Chief Information Officer,
Univest Financial Corporation
BRIANA J. DOÑA
Executive Vice President and Managing Director of Innovation,
Univest Bank and Trust Co.
RONALD R. FLAHERTY
President,
Univest Insurance, LLC
M. THERESA FOSKO
Executive Vice President and Director of Human Resources,
Univest Financial Corporation
DAVID W. GEIBEL
President,
Girard, a Univest Wealth Division
BRIAN E. GRZEBIN
President, Mortgage Banking,
Univest Bank and Trust Co.
JOHN T. HAURIN
Market President, East Penn & NJ,
Univest Bank and Trust Co.
THOMAS J. JORDAN, IV
Market President, Central PA,
Univest Bank and Trust Co.
PATRICK C. MCCORMICK
Senior Executive Vice President and Chief Commercial Banking Officer,
Univest Bank and Trust Co.
NEIL D. MCHUGH
Executive Vice President and Managing Director of Deposit Strategy & Programs,
Univest Bank and Trust Co.
ELENI S. MONIOS
Executive Vice President and Chief Credit Officer,
Univest Bank and Trust Co.
JOSEPH A. PENSABENE
Executive Vice President, Managing Director of Operations,
Univest Bank and Trust Co.
CHRISTOPHER M. TROMBETTA
Market President, Western PA,
Univest Bank and Trust Co.
LISTING AS OF JANUARY 1, 2025
Leadership
Senior Leadership Team
LISTING AS OF JANUARY 1, 2025
Board of Directors
JEFFREY M. SCHWEITZER
Chairman, President and Chief Executive Officer, Univest Financial Corporation
and Chairman and Chief Executive Officer, Univest Bank and Trust Co.
JOSEPH P. BEEBE
Former Managing Director and Co-Head, Insurance and Asset Management Investment
Banking Group of Keefe Bruyette and Woods, a Stifel Company; Member of the President’s Advisory
Council as well as the Institute for Innovation and Entrepreneurship at Villanova University
TODD S. BENNING
Principal,
DunlapSLK, PC
DOMENICK A. CAMA
Former President and Chief Operating Officer,
Investors Bancorp
MARTIN P. CONNOR
Chief Financial Officer, Toll Brothers, Inc.; Member of the Federal Reserve Bank
of Philadelphia Economic and Community Advisory Council
SUZANNE KEENAN
Former Chief Information Officer and Senior Vice President, Wawa, Inc.
Chair of the Board of Trustees of North American Electric Reliability Corporation
NATALYE PAQUIN, ESQ.
Chief Operating Officer,
The Rockefeller Foundation
THOMAS M. PETRO
Managing Partner of 1867 Capital Partners, LLC; Former President and Chief Executive
Officer, Fox Chase Bancorp; Member of the Board of Directors of Fintegra, LLC,
Derstine’s Foodservice, Inc. and Board Observer NovaData Solutions
MICHAEL L. TURNER
Partner,
Marshall, Dennehey, Warner, Coleman & Goggin
ANNE S. VAZQUEZ
General Partner,
NewSpring Capital, LLC and NewSpring Mezzanine Capital
ROBERT C. WONDERLING
Executive Director,
American Bible Society’s Faith and Liberty Initiative
CHARLES H. ZIMMERMAN III
Teaching Pastor, Calvary Church;
Former Lead Director, Clemens Family Corporation
UNIVEST FINANCIAL CORPORATION
Wholly-Owned Subsidiaries
Univest Bank and Trust Co.
Univest Capital, Inc.
Univest Insurance, LLC
Girard Advisory Services, LLC
Girard Benefits Group, LLC
Girard Investment Services, LLC
Girard Pension Services, LLC
Please visit univest.net for a complete
list of locations for Univest Financial
Corporation and our subsidiaries.
“He gives strength to the weary and increases the power of the weak… but
those who hope in the Lord will renew their strength. They will soar on wings
like eagles; they will run and not grow weary, they will walk and not be faint.”
- Isaiah 40:29, 31
©2025 Univest Financial® All Rights Reserved.
Shareholders’ Meeting
The Annual Shareholders’ Meeting will take place at 11:30 a.m. on Thursday, April 24, 2025 at Indian
Valley Country Club, 650 Bergey Rd, Telford, PA 18969. There is also an option to attend virtually.
Univest Shareholder Contact
For more information on Univest Financial Corporation, please call 877.723.5571.
Common Stock Information
Traded on the NASDAQ National Market, symbol: UVSP.
ESG Report
Being a responsible corporate citizen is at the core of how we operate. Environmental, social and
governance (ESG) considerations are incorporated into our culture and integrated into the policies
and principles that govern the way we do business. To view our 2024 ESG report, which provides
a comprehensive view of our efforts in these areas, visit ir.univest.net.
Univest Stock Transfer Agent
For more information on Univest Financial Corporation common stock, contact Broadridge Corporate
Issuer Solutions or visit ir.univest.net.
Overnight Mail Communications
Broadridge Corporate Issue Solutions, Inc.
ATTN: IWS
1155 Long Island Avenue
Edgewood, NY 1171
Regular Mail Communications
Broadridge Corporate Issue Solutions, Inc.
PO Box 1342
Brentwood, NY 11717
Telephone: 866.321.8021
Email: shareholder@broadridge.com
Website: investor.broadridge.com