United Bankshares Inc (W Va)

UBSI

Equity

ISIN null / Valor 980131

NASDAQ (2026-05-04)

USD 43.10-1.33%

United Bankshares Inc (W Va)
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About company

United Bankshares Inc., headquartered in West Virginia, is a publicly traded financial institution with nearly $32 billion in total assets and over 240 branches across eight states and Washington, D.C. Founded in 1839, the bank has expanded significantly through 34 acquisitions, establishing itself among the top fifty largest banking companies in the United States. United Bankshares provides a comprehensive range of banking services, including personal and commercial banking, lending, and deposit products, while maintaining a strong emphasis on customer service and community engagement in the regions it serves.

Summarized from source with an LLMView SourceSector: Finance

Earnings

Q4 2025 net income: $128.8M ($0.91 diluted). Full-year 2025 net income: $464.6M ($3.27 diluted), up from $373.0M ($2.75) in 2024.

Net interest income & margin

Record net interest income: Q4 2025 NII $287.5M (tax‑equivalent NII $288.3M). Net interest margin Q4 2025 = 3.83%; full‑year 2025 NIM = 3.78%, both higher versus 2024.

Drivers — acquisition impact

The Piedmont Bancorp acquisition (closed Jan 10, 2025) materially increased average earning assets, loans and deposits; acquired loan accretion income was $33.7M for 2025 ($8.5M in Q4).

Provision & credit quality

Q4 2025 provision for credit losses: $6.8M. Full‑year provision: $53.9M, which includes $18.7M of provision on Piedmont acquired non‑PCD loans. Non‑performing loans at 12/31/2025: $101.5M (0.41% of loans). Allowance for loan & lease losses: $297.5M (1.20% of loans).

Asset growth & funding

Total assets: ~$33.66B at 12/31/2025. Loans (net): $24.71B; total deposits: $27.06B. Average interest‑bearing deposits rose materially year‑over‑year and quarter‑to‑quarter.

Noninterest income & expense

Q4 2025 noninterest income: $30.9M (down vs Q3 due mainly to fair‑value changes in equity securities); full‑year 2025 noninterest income: $135.2M (+9% vs 2024). Noninterest expense: Q4 $151.7M; full‑year $600.1M (includes $12.7M merger‑related expenses).

Profitability & efficiency

Returns: Q4 2025 ROA 1.52%, ROE 9.31%; full‑year 2025 ROA 1.41%, ROE 8.63%. Return on average tangible equity (non‑GAAP) for 2025: 13.95%. Efficiency ratio improved versus 2024 — full‑year 2025 efficiency ratio ~48.5%.

Capital, buybacks & shareholder returns

Well‑capitalized: estimated risk‑based capital ratio 15.7%, CET1 13.4%, leverage 11.3% at 12/31/2025. Share repurchases in Q4: ~1.3M shares at $36.49 avg; full‑year repurchases ~3.6M shares at $35.24 avg. Dividend declared Q4 2025: $0.38 per share (annual 2025 payout $1.49).

Asset quality trends & charge‑offs

Net charge‑offs Q4 2025: $9.3M (annualized 0.15% of average loans); full‑year net charge‑offs: $45.7M (0.19% annualized). NPLs and NPAs rose versus year‑end 2024, reflecting acquisition and portfolio changes but remain low by historical standards.

Summarized from source with an LLMView Source

Key figures

22.2%1Y

45.5%3Y

6.92%5Y

Performance

24.0%1Y

29.1%3Y

29.0%5Y

Volatility