Exhibit 21

EXHIBIT 21

[Item 15(c)]

Subsidiaries of the Registrant

As of December 31, 2022

100% Voting Securities Owned by Registrant

1)Univest Bank and Trust Co. - chartered in the Commonwealth of Pennsylvania - and its wholly-owned subsidiaries as follows:

a.Girard Advisory Services, LLC - chartered in the Commonwealth of Pennsylvania

b.Girard Benefits Group, LLC - chartered in the Commonwealth of Pennsylvania

c.Girard Investment Services, LLC - chartered in the Commonwealth of Pennsylvania

d.Girard Pension Services, LLC - chartered in the Commonwealth of Pennsylvania

e.Univest Capital, Inc. - chartered in the Commonwealth of Pennsylvania

f.Univest Insurance, LLC - chartered in the Commonwealth of Pennsylvania