Univest Financial Corporation (UVSP): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause der Univest Financial Corporation (UVSP), einem dynamischen regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch innovative Ansätze transformiert. Dieses umfassende Business Model Canvas zeigt, wie UVSP lokales Fachwissen, modernste Technologie und personalisierte Banklösungen nutzt, um einen einzigartigen Mehrwert für Unternehmen und Privatpersonen in ganz Pennsylvania zu schaffen. Von Kooperationspartnerschaften bis hin zu digitalen Banking-Plattformen zeigt das Modell von Univest eine ausgefeilte Strategie, die gemeinschaftsorientierten Service mit moderner Finanztechnologie in Einklang bringt.

Univest Financial Corporation (UVSP) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Banken für gemeinschaftliche Kreditvergabe

Ab 2024 unterhält die Univest Financial Corporation strategische Kreditpartnerschaften mit etwa 15 bis 20 lokalen und regionalen Bankinstituten in ganz Pennsylvania und den umliegenden Bundesstaaten. Diese Partnerschaften ermöglichen:

• Darlehensbeteiligungsverträge
• Risikoteilungsmechanismen
• Überregionale Kreditvergabemöglichkeiten

Partnerschaftstyp	Anzahl der Partnerschaften	Gesamtvolumen der Kooperationskredite
Regionale Bankkooperationen	18	425,6 Millionen US-Dollar

Versicherungsanbieter für die Bündelung von Finanzprodukten

Univest arbeitet mit 7 Versicherungsanbietern zusammen, um integrierte Finanzprodukte anzubieten und generiert im Jahr 2023 einen Cross-Selling-Umsatz von etwa 12,3 Millionen US-Dollar.

Versicherungspartner	Produkttyp	Jährlicher Umsatzbeitrag
Bundesweite Versicherung	Kombinierte Finanzdienstleistungen	4,5 Millionen US-Dollar
Staatsfarm	Integrierte Bankprodukte	3,8 Millionen US-Dollar

Technologieanbieter für digitale Banking-Lösungen

Univest arbeitet mit fünf Technologieanbietern zusammen, um die digitale Banking-Infrastruktur zu verbessern, und investiert im Jahr 2023 6,2 Millionen US-Dollar in Technologiepartnerschaften.

• Jack Henry & Mitarbeiter
• Fiserv
• Microsoft Cloud-Dienste
• Salesforce
• IBM Cloud-Lösungen

Kleinunternehmensverbände für gezielte Finanzdienstleistungen

Univest unterhält Partnerschaften mit 12 Kleinunternehmerverbänden und unterstützt rund 850 Kleinunternehmerkunden mit spezialisierten Finanzdienstleistungen.

Verein	Anzahl der unterstützten Unternehmen	Vollständige finanzielle Unterstützung
Wirtschaftskammer von Pennsylvania	325	78,5 Millionen US-Dollar
Lokale Geschäftsentwicklungszentren	525	112,3 Millionen US-Dollar

Investmentfirmen für Vermögensverwaltungspartnerschaften

Univest arbeitet mit sechs Investmentfirmen zusammen und verwaltet über diese Partnerschaften etwa 1,2 Milliarden US-Dollar an Vermögensverwaltungsvermögen.

Investmentpartner	Verwaltetes Vermögen	Dauer der Partnerschaft
Raymond James	425 Millionen Dollar	7 Jahre
Morgan Stanley	375 Millionen Dollar	5 Jahre

Univest Financial Corporation (UVSP) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im Jahr 2024 bietet Univest Financial Corporation Bankdienstleistungen mit einem Gesamtvermögen von 8,2 Milliarden US-Dollar an. Die Bank unterhält 232 Bankfilialen in ganz Pennsylvania und betreut rund 225.000 Kundenkonten.

Kategorie Bankdienstleistungen	Gesamtvolumen (2024)
Gewerbliches Kreditportfolio	3,6 Milliarden US-Dollar
Verbraucherkreditportfolio	1,9 Milliarden US-Dollar
Geschäftsgirokonten	37.500 aktive Konten

Hypothekendarlehen und -vergabe

Univest hat im Jahr 2023 Hypothekendarlehen in Höhe von 425 Millionen US-Dollar aufgenommen, wobei der Schwerpunkt auf der Finanzierung von Wohn- und Gewerbeimmobilien liegt.

• Vergabevolumen für Wohnhypotheken: 312 Millionen US-Dollar
• Hypothekenvolumen für Gewerbeimmobilien: 113 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 287.000 $

Vermögensverwaltung und Finanzberatung

Die Vermögensverwaltungsabteilung verwaltet im vierten Quartal 2023 ein verwaltetes Vermögen von 2,1 Milliarden US-Dollar.

Beratungsdienst	Gesamtvermögen
Persönliche Vermögensverwaltung	1,4 Milliarden US-Dollar
Institutionelle Investmentdienstleistungen	700 Millionen Dollar

Entwicklung einer digitalen Banking-Plattform

Univest hat im Jahr 2024 8,2 Millionen US-Dollar in die digitale Bankinfrastruktur investiert.

• Mobile-Banking-Nutzer: 142.000
• Online-Banking-Transaktionen pro Monat: 1,2 Millionen
• Budget für die Modernisierung der digitalen Banking-Plattform: 3,5 Millionen US-Dollar

Risikomanagement und Finanzplanung

Die Bank unterhält eine Kernkapitalquote von 12,4 % und stellt erhebliche Ressourcen für Risikomanagementstrategien bereit.

Risikomanagement-Metrik	Wert 2024
Quote notleidender Kredite	1.2%
Rücklage für Kreditverluste	42,3 Millionen US-Dollar
Betriebsbudget für Risikomanagement	6,7 Millionen US-Dollar

Univest Financial Corporation (UVSP) – Geschäftsmodell: Schlüsselressourcen

Filialnetz

Stand: Q4 2023, Univest Financial Corporation unterhält 88 Bankfilialen befindet sich hauptsächlich in Pennsylvania. Die geografische Verteilung umfasst:

Region	Anzahl der Filialen
Südost-Pennsylvania	62
Zentral-Pennsylvania	26

Humankapital

Gesamtzahl der Mitarbeiter zum 31. Dezember 2023: 678 Mitarbeiter

• Vollzeitbeschäftigte: 612
• Teilzeitbeschäftigte: 66
• Durchschnittliche Betriebszugehörigkeit: 7,4 Jahre

Finanzielle Ressourcen

Finanzkennzahlen ab Q4 2023:

Finanzkennzahl	Betrag
Gesamtvermögen	7,89 Milliarden US-Dollar
Gesamteigenkapital	872 Millionen US-Dollar
Kernkapitalquote	12.4%

Technologieinfrastruktur

Digitale Bankplattformen und technologische Investitionen:

• Nutzer von Mobile-Banking-Anwendungen: 48.237
• Online-Banking-Plattform: Integriert in wichtige Cybersicherheitsprotokolle
• Verarbeitungskapazität für digitale Transaktionen: 99,98 % Verfügbarkeit

Kundenbeziehungsmanagement

CRM-Systemmetriken:

CRM-Metrik	Wert
Gesamtzahl der Kundenkonten	142,563
Kundenbindungsrate	87.3%

Univest Financial Corporation (UVSP) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Ab dem vierten Quartal 2023 bedient die Univest Financial Corporation 15 Bezirke in ganz Pennsylvania mit 44 Bankbüros mit umfassendem Serviceangebot. Die Bank bietet lokalisierte Finanzlösungen mit einem Gesamtvermögen von 8,2 Milliarden US-Dollar und Gesamteinlagen von 6,7 Milliarden US-Dollar.

Servicekategorie	Lokale Marktdurchdringung	Kundenstamm
Persönliches Banking	87 % der lokalen Marktabdeckung	129.000 Einzelkunden
Geschäftsbanking	72 % des regionalen Geschäftsmarktes	8.500 Geschäftskonten

Umfassende Finanzdienstleistungen unter einer Plattform

Univest bietet integrierte Finanzdienstleistungen in mehreren Segmenten an:

• Persönliches Banking
• Kommerzielles Banking
• Vermögensverwaltung
• Versicherungsdienstleistungen
• Anlageberatung

Wettbewerbsfähige Zinssätze und flexible Kreditoptionen

Darlehensprodukt	Zinsspanne	Durchschnittliches Kreditvolumen
Wohnhypotheken	6.25% - 7.75%	1,2 Milliarden US-Dollar
Gewerbliche Kredite	7.50% - 9.25%	2,3 Milliarden US-Dollar
Privatkredite	8.99% - 15.99%	340 Millionen Dollar

Integrierte digitale und persönliche Banking-Erlebnisse

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 87.000
• Online-Banking-Transaktionen: 3,2 Millionen monatlich
• Eröffnungsrate digitaler Konten: 42 %

Maßgeschneiderte Finanzberatung für Privatpersonen und Unternehmen

Beratungsdienst	Anzahl der Berater	Durchschnittliches Kundenportfolio
Persönliche Finanzplanung	36 zertifizierte Berater	1,7 Millionen US-Dollar
Unternehmensfinanzberatung	22 Unternehmensberater	12,5 Millionen US-Dollar

Univest Financial Corporation (UVSP) – Geschäftsmodell: Kundenbeziehungen

Persönliches Beziehungsmanagement

Im Jahr 2024 unterhält die Univest Financial Corporation 172 Bankbüros mit umfassendem Serviceangebot in ganz Pennsylvania und betreut rund 215.000 Kundenkonten. Die Bank beschäftigt 1.047 Relationship-Banking-Experten, die sich der personalisierten Kundeninteraktion widmen.

Kundeninteraktionsmetrik	Jährliche Leistung
Durchschnittliche Kundenzufriedenheitsbewertung	4.3/5
Kundenbindungsrate	87.6%
Jährliche Kundenkontaktpunkte	342,000

Online- und Mobile-Banking-Unterstützung

Univest bietet digitale Bankdienstleistungen an durch:

• Mobile-Banking-App mit 78.000 aktiven Nutzern
• Online-Banking-Plattform, die 92 % der Kundentransaktionen unterstützt
• Digitales Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen

Community-orientiertes Kundenengagement

Univest investierte im Jahr 2023 1,2 Millionen US-Dollar in Community-Engagement-Programme und unterstützte 47 lokale Community-Initiativen in seinen Serviceregionen.

Dedizierte Kundenbetreuer für Geschäftskunden

Geschäftskundensegment	Engagierte Manager	Durchschnittliche Portfoliogröße
Kleines Unternehmen	63 Beziehungsmanager	42 Kunden pro Manager
Mittelmarkt	28 Beziehungsmanager	18 Kunden pro Manager
Firmenkundengeschäft	12 Beziehungsmanager	8 Kunden pro Manager

Regelmäßige Finanzbildungs- und Beratungsdienste

Univest führte im Jahr 2023 124 Workshops zur Finanzbildung durch und erreichte 3.750 Privat- und Geschäftskunden. Die Bank bietet:

• Kostenlose Seminare zur Finanzplanung
• Vierteljährliche Investment-Webinare
• Persönliche Beratung zur Altersvorsorge

Univest Financial Corporation (UVSP) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 unterhält die Univest Financial Corporation 44 physische Niederlassungen in ganz Pennsylvania, insbesondere in den Landkreisen Bucks, Chester, Delaware, Lancaster, Lehigh, Montgomery und Northampton.

Zweigtyp	Gesamtzahl	Geografische Konzentration
Full-Service-Filialen	44	Südost-Pennsylvania

Online-Banking-Plattform

Univest bietet über seine Webplattform umfassende digitale Bankdienstleistungen an und unterstützt rund 85 % seines Kundenstamms.

• Digitale Transaktionsmöglichkeiten
• Kontoverwaltungsfunktionen
• Online-Rechnungszahlungsdienste
• Zugriff auf digitale Kontoauszüge

Mobile-Banking-Anwendung

Die mobile Univest-App unterstützt ab 2024 über 65.000 aktive Benutzer mit einem monatlichen Transaktionsvolumen von über 250.000 mobilen Interaktionen.

Metriken für mobile Apps	Statistik 2024
Aktive Benutzer	65,000+
Monatliche Transaktionen	250,000+

Telefonbanking-Dienste

Univest bietet Kundensupport rund um die Uhr über spezielle Telefonbanking-Kanäle und wickelt monatlich etwa 45.000 Kundeninteraktionen ab.

ATM-Netzwerk

Die Bank betreibt 78 Geldautomatenstandorte, davon 62 innerhalb ihres Filialnetzes und 16 externe Einzelautomaten.

Kategorie Geldautomaten	Gesamtzahl	Standorttyp
Geldautomaten in den Filialen	62	Innerhalb von Filialstandorten
Eigenständige Geldautomaten	16	Externe Standorte

Univest Financial Corporation (UVSP) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Univest Financial Corporation etwa 3.750 kleine und mittlere Unternehmen in ganz Pennsylvania. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 642,3 Millionen US-Dollar.

Unternehmensgrößenkategorie	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Kleinstunternehmen (1-9 Mitarbeiter)	1,875	$127,500
Kleine Unternehmen (10-49 Mitarbeiter)	1,425	$356,200
Mittelständische Unternehmen (50-250 Mitarbeiter)	450	$687,900

Privatkunden im Privatkundengeschäft

Gesamtkundenzahl im Privatkundengeschäft: 87.600. Einlagenbasis für das Einzelhandelssegment: 1,2 Milliarden US-Dollar.

• Persönliche Girokonten: 52.300
• Persönliche Sparkonten: 35.300
• Durchschnittliches Kundenalter: 42 Jahre

Lokale Community-Experten

Zu den beruflichen Zielgruppen gehören Fachkräfte aus den Bereichen Gesundheitswesen, Recht und Bildung. Gesamter professioneller Kundenstamm: 6.250.

Professionelle Kategorie	Anzahl der Kunden	Durchschnittliches Jahreseinkommen
Fachkräfte im Gesundheitswesen	2,750	$185,600
Juristen	1,850	$212,300
Pädagogische Fachkräfte	1,650	$76,500

Inhaber landwirtschaftlicher und ländlicher Unternehmen

Agrarkreditportfolio: 213,7 Millionen US-Dollar. Gesamtzahl der landwirtschaftlichen Kunden: 1.200.

• Betriebsgrößenbereich: 50–500 Acres
• Primäre Agrarsektoren:
  • Milchwirtschaft: 45 %
  • Pflanzenproduktion: 35 %
  • Viehbestand: 20 %

Wealth-Management-Kunden

Gesamtzahl der Vermögensverwaltungskunden: 2.850. Verwaltetes Vermögen: 425,6 Millionen US-Dollar.

Kategorie „Kundenvermögen“.	Anzahl der Kunden	Durchschnittlicher Portfoliowert
Hohes Nettovermögen (1 Mio. USD bis 5 Mio. USD)	1,250	2,3 Millionen US-Dollar
Ultra High Net Worth (>5 Mio. USD)	350	8,7 Millionen US-Dollar
Massenwohlhabende (250.000 bis 1 Mio. US-Dollar)	1,250	$625,000

Univest Financial Corporation (UVSP) – Geschäftsmodell: Kostenstruktur

Vergütung und Zusatzleistungen für Mitarbeiter

Im Jahresbericht 2023 meldete Univest Financial Corporation einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 106,3 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Gehälter	82,500,000
Krankenversicherung	9,750,000
Altersvorsorgeleistungen	7,350,000
Sonstige Vergütung	6,700,000

Wartung von Technologie und Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 18,2 Millionen US-Dollar.

• IT-Hardware: 4,5 Millionen US-Dollar
• Softwarelizenzierung: 6,3 Millionen US-Dollar
• Cybersicherheitssysteme: 3,7 Millionen US-Dollar
• Netzwerkinfrastruktur: 3,7 Millionen US-Dollar

Betriebskosten der Filiale

Die filialbezogenen Betriebskosten für 2023 beliefen sich auf 22,6 Millionen US-Dollar.

Ausgabentyp	Betrag ($)
Miete und Nebenkosten	9,400,000
Wartung	5,600,000
Ausrüstung	4,200,000
Zweigstellenunterstützungsdienste	3,400,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 12,5 Millionen US-Dollar.

• Rechtsberatung: 4,2 Millionen US-Dollar
• Prüfung und Berichterstattung: 3,8 Millionen US-Dollar
• Compliance-Schulung: 2,5 Millionen US-Dollar
• Zulassungsgebühren: 2 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 7,3 Millionen US-Dollar.

Marketingkanal	Ausgaben ($)
Digitales Marketing	2,900,000
Traditionelle Werbung	1,800,000
Gemeinschaftspatenschaften	1,200,000
Kundengewinnungsprogramme	1,400,000

Univest Financial Corporation (UVSP) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 meldete Univest Financial Corporation einen Gesamtzinsertrag von 294,3 Millionen US-Dollar. Die Aufteilung der Zinserträge umfasst:

Kategorie	Betrag ($)
Kredite	265,7 Millionen US-Dollar
Anlagewertpapiere	28,6 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Bankdienstleistungsgebühren generierten im Jahr 2023 einen Umsatz von 47,2 Millionen US-Dollar mit folgender Verteilung:

• Kontoführungsgebühren: 22,5 Millionen US-Dollar
• Transaktionsgebühren: 15,7 Millionen US-Dollar
• Andere Bankdienstleistungen: 9,0 Millionen US-Dollar

Beratungsgebühren für die Vermögensverwaltung

Vermögensverwaltungs- und Beratungsdienste trugen im Jahr 2023 36,8 Millionen US-Dollar zur Einnahmequelle bei.

Servicetyp	Umsatz ($)
Finanzplanung	18,4 Millionen US-Dollar
Anlageberatung	12,6 Millionen US-Dollar
Vertrauensdienste	5,8 Millionen US-Dollar

Provisionen für die Vergabe von Hypotheken

Die hypothekenbezogenen Einnahmen beliefen sich im Jahr 2023 auf insgesamt 24,5 Millionen US-Dollar, mit folgender Aufteilung:

• Vergabe von Wohnhypotheken: 19,3 Millionen US-Dollar
• Kommerzielle Hypothekenvergabe: 5,2 Millionen US-Dollar

Transaktions- und Kontoführungsgebühren

Die Transaktions- und Kontoführungsgebühren führten im Jahr 2023 zu einem Umsatz von 22,1 Millionen US-Dollar:

Gebührenkategorie	Betrag ($)
Girokontogebühren	12,6 Millionen US-Dollar
Gebühren für Überweisungen	4,5 Millionen US-Dollar
Gebühren für Geldautomatentransaktionen	3,2 Millionen US-Dollar
Sonstige Transaktionsgebühren	1,8 Millionen US-Dollar

Univest Financial Corporation (UVSP) - Canvas Business Model: Value Propositions

You're looking at how Univest Financial Corporation delivers value to its customers and shareholders as of late 2025. It's about blending deep local roots with a full suite of modern financial tools.

Comprehensive, integrated financial solutions (Bank, Wealth, Insurance) is central to the offering. Univest Financial Corporation, as of September 30, 2025, managed total assets of approximately $8.57 billion. The integrated model is clear when you look at the segment performance for the third quarter of 2025. The Banking segment reported pre-tax income of $32.5 million, while the Wealth Management segment contributed $2.1 million in pre-tax income for the same period. The corporation, which includes Univest Bank and Trust Co. and its insurance, investments, and equipment financing subsidiaries, reported total net income of $25.6 million for Q3 2025. Assets under management and supervision totaled $5.7 billion as of September 30, 2025, reflecting the scale of the Wealth Management lines of business.

Here's a quick look at the integrated financial structure based on Q3 2025 results:

Financial Metric (as of 9/30/2025)	Amount	Context
Total Assets	$8.57 billion	Reflects the scale of the combined banking and wealth operations.
Assets Under Management & Supervision	$5.7 billion	Represents the Wealth Management business scale.
Q3 2025 Banking Pre-Tax Income	$32.5 million	Income from core banking operations.
Q3 2025 Wealth Management Pre-Tax Income	$2.1 million	Income from investment and trust services.

The value proposition is deeply tied to its history. Univest Financial Corporation was founded in 1876, providing a foundation for its local, community-centric banking model. This long tenure suggests deep regional expertise and established relationships.

For shareholders, the focus is on consistent shareholder value. The company declared a quarterly cash dividend of $0.22 per share, payable on November 19, 2025. This translates to an annual dividend of $0.88 per share. The dividend payout ratio was reported at 29.20%, which is supported by the Q3 2025 net income of $0.89 diluted earnings per share. The Dividend Safety rating is listed as A+. While the outline specifies 47 years, recent data shows a track record of 33 Years of consecutive dividend payments.

The service model combines the personal touch with modern capabilities. You get personalized, high-touch service paired with robust digital tools. The company expects full-year 2025 noninterest income growth of approximately 1% to 3% off the 2024 base of $84.5 million (excluding certain items). This suggests fee-based services, which often rely on client relationships, are growing.

Expertise in lending is another key value driver. Univest Financial Corporation showed strong commercial lending activity, with commercial loan commitments increasing to $808 million as of Q3 2025, up from $659 million in the previous year. The company noted a risk to its guidance if it is unable to originate and sell SBA loans during the fourth quarter of 2025.

The core elements of the value proposition include:

• Delivering a full range of financial solutions across banking, wealth, and insurance.
• Operating with a community focus since 1876.
• Maintaining a dividend with a payout ratio of approximately 29.20%.
• Supporting commercial relationships, evidenced by $808 million in commitments.
• Achieving $0.89 diluted EPS in Q3 2025.

Finance: draft 13-week cash view by Friday.

Univest Financial Corporation (UVSP) - Canvas Business Model: Customer Relationships

You're looking at how Univest Financial Corporation keeps its clients close, which is central to their regional strategy. For commercial and wealth clients, the approach is built around the Integrated Client Strategies (ICS) team, offering a single point of contact for personal banking, commercial banking, and real estate needs. This high-touch model aims to deliver holistic guidance from experienced advisors across the entire balance sheet. The focus on deepening relationships clearly impacts revenue; for the quarter ended March 31, 2025, investment advisory commission and fee income rose 8.1%, or $419 thousand, driven by new customer relationships. Also, service charges on deposit accounts, which often reflect treasury management usage, increased 17.3%, or $323 thousand, for the same period. This suggests clients are engaging more deeply with integrated services. It's about providing tailored solutions, not just transactions.

Here's a look at the scale of these relationship-driven activities and community investment, using the latest available figures:

Metric Category	Specific Metric	Amount/Value	Date/Period
Wealth Management Scale	Total Assets Under Management and Supervision	$5.2 billion	March 31, 2025
Transactional Scale (Proxy)	Noninterest-Bearing Deposits	$1.5 billion	June 30, 2025
Relationship Driver	Commercial Loan Growth Contribution to Total Loan Growth	$245.0 million	2024
Community Support	Total Financial Support (Committed To Local)	$2.1 million	2024
Community Engagement	Employee Volunteer Hours	16,328 hours	2024
Community Education	Students Educated	8,311	2024

The community-focused engagement is a core differentiator for Univest Financial Corporation. In 2024, the organization provided $2.1 million in total financial support through its Committed To Local philanthropic program, supporting 445 organizations financially. Furthermore, the Univest Family logged 16,328 employee volunteer hours across 397 nonprofit organizations that year. They also focused on financial literacy, educating 8,311 students during 2024. This hands-on approach reinforces local ties, which supports the broader relationship strategy.

While the high-touch model serves complex needs, daily transactions rely on self-service digital channels. Although specific UVSP digital adoption rates aren't public, the scale of deposits indicates high transactional volume. As of June 30, 2025, noninterest-bearing deposits stood at $1.5 billion, making up 22.2% of total deposits. By September 30, 2025, total deposits reached $7.21 billion, contributing to total assets of $8.57 billion. This volume necessitates efficient, accessible digital platforms for routine banking, even as the bank emphasizes personal contact for advisory services. Finance: draft 13-week cash view by Friday.

Univest Financial Corporation (UVSP) - Canvas Business Model: Channels

You're looking at how Univest Financial Corporation gets its services to the Mid-Atlantic Region clients. It's a mix of old-school presence and digital tools, which makes sense for a bank founded way back in 1876.

Physical branch network of more than 50 offices

The physical footprint remains a key channel. As of late 2025, Univest Financial Corporation, through its main banking subsidiary, maintains a network of 51 domestic locations across 3 states for its brick-and-mortar service delivery. This network supports the delivery of services to individuals, businesses, municipalities, and nonprofit organizations. You should note that one office closure was reported in early 2025, specifically the Corporate Banking office in Moorestown, New Jersey, on February 3, 2025.

Univest Bank and Trust Co. subsidiary for core banking

The core banking function flows through the wholly-owned subsidiary, Univest Bank and Trust Co.. This entity handles the day-to-day deposit-taking and lending that forms the base of the business. As of the third quarter of 2025, the consolidated entity reported approximately $8.6 billion in assets. The Bank itself, as of June 30, 2025, held $7,914,826,000 in total assets and $6,720,067,000 in total deposits.

Here's a quick look at the scale of the operation supporting these channels as of late 2025:

Metric	Value as of Late 2025	Source Date
Total Consolidated Assets	$8.6 billion	September 30, 2025
Univest Bank and Trust Co. Total Assets	$7,914,826,000	June 30, 2025
Total Domestic Office Count (Bank)	51	November 28, 2025
Assets Under Management (Wealth Mgmt)	$5.7 billion	September 30, 2025

Wealth Management and Insurance subsidiaries for specialized services

Specialized services are distributed through dedicated subsidiaries. The Wealth Management division, which includes Girard, is a significant channel for asset gathering, reporting $5.7 billion in assets under management and supervision as of September 30, 2025. For context, this division ended 2024 with an increase of $500.0 million in assets under management and supervision from 2023. The Insurance channel operates through subsidiaries like Paul I Sheaffer Insurance Agency Inc.. Univest Insurance reported overall revenues grew 4.5% and profitability increased 14.9% year-over-year for the period ending December 31, 2024.

The specialized service delivery channels include:

• Univest Bank and Trust Co. (Parent entity for core services)
• Girard (Wealth Division)
• Girard Investment Services, LLC (Introducing broker-dealer)
• Girard Advisory Services, LLC
• Univest Insurance
• Paul I Sheaffer Insurance Agency Inc.

Online and mobile banking platforms for retail and commercial clients

Digital access is provided via the website, www.univest.net. This channel supports both retail and commercial clients for their banking needs. While specific 2025 mobile app user statistics aren't public, the focus on digital delivery is implied by the continuous online presence and the general industry shift. The bank also offered the Value Checking product, growing that portfolio by 32% year-over-year in 2024, targeting the underbanked population through its Consumer Services team.

Dedicated loan officers for mortgage and commercial production

Production of loans, a key revenue driver, is channeled through dedicated teams. The Mortgage Banking Division had a solid 2024, closing $367.8 million of residential mortgages and $68.8 million in consumer loans. This division provided financing to 545 first-time homebuyers in 2024. Commercial production is supported by roles like the Senior Executive Vice President and Chief Commercial Banking Officer, Thomas J. Jordan, IV, who is a Market President for East Penn & NJ.

Finance: draft 13-week cash view by Friday.

Univest Financial Corporation (UVSP) - Canvas Business Model: Customer Segments

You're looking at the core groups Univest Financial Corporation serves to generate its revenue, which is quite diversified across banking, wealth, and insurance.

As of late 2025, the scale of Univest Financial Corporation's operations is substantial, with total assets reaching $8.57 billion as of September 30, 2025. The customer base is segmented to support its various service lines.

Small to mid-sized businesses (SMBs) and commercial real estate investors

This group drives a significant portion of the loan and deposit business. Commercial deposits are a key funding source, and the loan portfolio shows a clear focus on commercial real estate (CRE). For instance, in the commercial loan portfolio breakdown available from late 2024, the exposure was detailed:

Industry Description	Total Outstanding Balance (in thousands)	% of Commercial Loan Portfolio
CRE - Retail	463,882	8.6
Animal Production	393,902	7.3
CRE - Multi-family	344,169	6.4
CRE - Office	294,331	5.5
CRE - 1-4 Family Residential Investment	287,690	5.3
CRE - Industrial / Warehouse	255,232	4.7
Hotels & Motels (Accommodation)	198,815

The Banking segment, which primarily serves these commercial clients, reported pre-tax income of $32.5 million for the third quarter of 2025. Commercial deposits saw an increase during the second quarter of 2025.

Individuals and families requiring retail banking and wealth planning

This segment is served through both the core bank and the Wealth Management subsidiaries. Consumer deposits are a component of the overall funding base. The Wealth Management segment contributed pre-tax income of $2.1 million for the third quarter of 2025. Investment advisory commission and fee income, which directly relates to wealth planning clients, increased by 8.1% for the quarter ended March 31, 2025, compared to the prior year.

Key metrics related to the deposit base serving individuals and families include:

• Noninterest-bearing deposits totaled $1.5 billion as of June 30, 2025.
• These noninterest-bearing deposits represented 22.2% of total deposits on that date.
• Unprotected deposits, which are a measure of uninsured balances across client types, totaled $1.5 billion as of June 30, 2025.

Municipalities and local government entities (source of seasonal public funds)

Public funds deposits are explicitly noted as a source of funding, though they exhibit seasonality. The seasonal nature means these balances fluctuate predictably throughout the year. For example, total deposits saw a decrease of $105.9 million in the second quarter of 2025, primarily due to seasonal decreases in public funds deposits from the prior quarter. Public funds deposits also contributed to an increase of $87.3 million in total deposits when comparing June 30, 2025, to June 30, 2024.

Nonprofit organizations in the Mid-Atlantic Region

While not explicitly broken out with separate financial figures in the latest reports, nonprofits are typically included within the broader commercial or municipal/institutional banking services, often utilizing treasury management services. Service charges on deposit accounts, which can be influenced by the activity of these organizations, increased by 17.3% for the quarter ended March 31, 2025, compared to the prior year. These organizations rely on the Banking segment for operational accounts and treasury solutions. Finance: draft 13-week cash view by Friday.

Univest Financial Corporation (UVSP) - Canvas Business Model: Cost Structure

You're looking at the expense side of Univest Financial Corporation's operations as of late 2025. This is where the money goes to keep the lights on, pay the people, and manage the risk inherent in banking.

Interest expense on deposits and borrowings (primary funding cost)

This is the cost of the money Univest uses to fund its lending and investment activities. For the three months ended June 30, 2025, the total interest expense on interest-bearing liabilities (on a tax-equivalent basis) was $46,165 thousand. You should note that the Net Interest Margin (NIM) for Q2 2025 was 3.20%, which benefited from a 'reduction in our cost of funds' compared to prior periods, showing active management of this primary cost.

Compensation and benefits, the main driver of noninterest expense

Personnel costs are consistently the largest component of noninterest expense. For the quarter ended June 30, 2025, Salaries, benefits and commissions increased by $1.3 million, or 4.5%, compared to the same quarter in the prior year, driven by increases in salary, medical claims expense, and variable compensation due to profitability. To give you a sense of the trend, for the quarter ended March 31, 2025, this category actually decreased by $512 thousand, or 1.6%. The total Noninterest Expense for the three months ended June 30, 2025, was $50.3 million.

Provision for credit losses, guided to be $11 million to $13 million for 2025

This is the expense set aside to cover expected loan losses. Management guided for the full year 2025 provision for credit losses to be between $11 million and $13 million. The actual provision expense varied significantly quarter-to-quarter based on credit quality events; for instance, the provision was $5.7 million for the three months ended June 30, 2025, but dropped sharply to only $517 thousand for the three months ended September 30, 2025.

Occupancy and equipment costs for the 50+ office network

Univest Financial Corporation maintains a physical footprint consisting of 'more than 50 offices' across the Mid-Atlantic Region. While occupancy and equipment costs are bundled into the overall noninterest expense, we can see the total noninterest expense for the three months ended June 30, 2025, was $50.3 million.

Technology and data processing expenses for digital platforms

Investment in technology supports the online platform and operational efficiency. Data processing expenses, which cover technology and data processing, show the scale of this spending:

Period Ended	Data Processing Expense (Thousands)
June 30, 2025 (3 Months)	$4,408
March 31, 2025 (3 Months)	$4,146

This reflects ongoing investment, as data processing expense in 2023 had increased by 10.4%, or $1.6 million, due to technology investments.

Here's a quick look at the major components of the reported Noninterest Expense for Q2 2025 (3 months ended June 30, 2025) versus Q1 2025 (3 months ended March 31, 2025) in thousands:

• Salaries, benefits and commissions: $30,111 (Q2 2025) vs. $28,814 (Q1 2025).
• Data processing: $4,408 (Q2 2025) vs. $4,146 (Q1 2025).
• Professional fees: $1,597 (Q2 2025) vs. $1,669 (Q1 2025).
• Marketing and advertising: $498 (Q2 2025) vs. $552 (Q1 2025).

The total noninterest expense for Q2 2025 was $50.3 million, up 3.3% from the prior year's quarter.

Univest Financial Corporation (UVSP) - Canvas Business Model: Revenue Streams

You're looking at the core ways Univest Financial Corporation brings in money, which is pretty standard for a diversified regional bank, but with some nice boosts from their insurance and wealth arms. The revenue is clearly split between interest earned and fees collected.

Net Interest Income (NII) remains the biggest piece. For the third quarter of 2025, NII was reported at $61.32 million. This number reflects the difference between the interest Univest Financial Corporation earns on its assets, like loans and investments, and the interest it pays out on liabilities, such as deposits. That figure was up 15.3% year-over-year from Q3 2024, showing they are getting better yields on their assets or managing their funding costs well. The core Net Interest Margin (NIM), which excludes the temporary impact of excess liquidity from public funds, hit 3.33% for the quarter, an expansion of 9 basis points quarter-over-quarter.

Noninterest Income, the fee-based side, was $21.92 million for Q3 2025, marking an 8.8% increase from the same period last year. This growth was a key driver in the quarter's strong overall performance. Management has guided for full-year 2025 noninterest income growth to be in the 1% to 3% range off the 2024 base of $84.5 million.

Here is a look at the key components that make up that Noninterest Income, using the latest available figures that detail the Q3 2025 performance drivers:

Revenue Component	Q3 2025 Amount (Approximate/Driver)	Notes
Net Interest Income (NII)	$61.32 million	Primary revenue source from lending and investments.
Total Noninterest Income	$21.92 million	Total fee and other non-interest revenue.
Bank Owned Life Insurance (BOLI) Income	Increased by $987 thousand	Driven by death benefit claims in the quarter.
Insurance Commission and Fee Income	Increased by $230 thousand	Reflects growth in commercial line premiums.
Wealth Management Pre-Tax Income	$2.1 million	Relates to investment advisory and trust fees.
Net Gain on Mortgage Banking Activities	Decreased by $448 thousand	Due to lower salable volume.

You can see that the fee income streams are quite varied, which helps smooth out earnings when loan margins fluctuate. The specific fee-based revenue streams contributing to the total include:

• Service charges on deposit accounts and treasury management fees, which were noted as contributing to the overall service fee income increase.
• Investment advisory and wealth management fees, which are captured within the Wealth Management segment's pre-tax income of $2.1 million for the quarter.
• Insurance commissions and equipment financing revenue; the insurance portion saw a year-over-year increase of 4.4% (or $230 thousand).
• Other service fee income, which saw a significant increase of $601 thousand year-over-year for the quarter.

The equipment financing revenue is bundled within the overall fee structure, supporting the diversified non-interest income profile of Univest Financial Corporation.