Univest Financial Corp
univest.netWhat Do They Do?
Provides banking and financial services to individuals, businesses and organizations.
10-K for FY2025, filed Feb 23, 2026The Bank is engaged in domestic banking services for individuals, businesses, municipalities and non-profit organizations. Through its…View ↗
How Do They Make Money?
The bank earns interest on loans and securities and fees for deposit and other banking services; its wealth business earns trust and investment fees over time, as well as brokerage fees per transaction. Some banking fees are tied to individual services, while periodic account services generate fees over time.
10-K for FY2025, filed Feb 23, 2026Our profitability is dependent to a large extent on our net interest income. Like most financial institutions, we are affected by changes…View ↗
Service charges on deposit accounts are generally earned on depository accounts for commercial and consumer customers and primarily…View ↗
Other service fee income is earned from commercial and consumer customers and primarily includes credit and debit card interchange and…View ↗
Trust fee income is earned for providing trust, investment management and other related services. Obligations for trust and other related…View ↗
Investment advisory commission and fee income include fees for financial planning, guardian and custodian of employee benefits, investment…View ↗
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10-K for FY2025, filed Feb 23, 2026
FY2025 revenue by product or service (Noninterest income) ↗
$328.1M
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10-K for FY2025, filed Feb 23, 2026
$328.1M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Trust fee income
|
17%
FY2022: 17%
|
Trust fee income, FY2025
$8.9M Sources
|
|
|
Service charges on deposit accounts
Mix
|
17%
FY2022: 13%
|
Service charges on deposit accounts, FY2025
$9M Sources
|
Mix |
|
Investment advisory commission and fee income
|
44%
FY2022: 43%
|
Investment advisory commission and fee income, FY2025
$22.8M Sources
|
|
|
Other service fee income
Mix
|
21%
FY2022: 27%
|
Other service fee income, FY2025
$10.9M Sources
|
Mix |
Who Are Their Customers?
The bank serves individuals, businesses, municipalities and nonprofit organizations. Wealth management serves private families and individuals, municipal pension plans, retirement plans, trusts and guardianships.
10-K for FY2025, filed Feb 23, 2026
Do Revenues Turn Into Profits?
Yes. It kept 28 cents of every revenue dollar as net income in FY2025 and turned 30 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Jul 28, 2026
Open tableView ↗
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