Univest Financial Corporation is a Pennsylvania-based bank holding company that operates Univest Bank and Trust Co., providing comprehensive banking services to individuals, businesses, municipalities, and non-profit organizations across Southeastern, Central, and Western Pennsylvania and select counties in New Jersey and Maryland. The company generates revenue primarily through traditional banking operations including net interest income from lending and deposit activities, supplemented by fee-based services including wealth management, investment advisory, brokerage, equipment financing, and insurance offered through wholly-owned subsidiaries such as Girard Investment Services and Univest Insurance. The Corporation competes with commercial banks, savings institutions, credit unions, and fintech platforms, differentiating through personalized service, local decision-making, and deep community knowledge across its network of financial centers.