United Bankshares reported FY 2025 net income of USD 464.6 million, or USD 3.27 per diluted share, up 24.6%. Net interest income was USD 1.10 billion (+21.0%), driven by interest income of USD 1.69 billion and interest expense of USD 583.7 million. The provision for credit losses was USD 53.9 million. Noninterest income totaled USD 135.2 million (+9.3%), while noninterest expense was USD 600.1 million (+10.1%). Income before taxes was USD 583.4 million and income taxes were USD 118.8 million; the effective tax rate was 20.4%. Return on average assets was 1.41% and return on average shareholders’ equity was 8.63%; return on average tangible equity was 13.95%. For Q4 2025, net income was USD 128.8 million (USD 0.91 per diluted share), and net interest income was USD 287.5 million (+23.6%); provision for credit losses was USD 6.8 million. Noninterest income was USD 30.9 million (+5.5%) and noninterest expense was USD 151.7 million (+13.1%); the effective tax rate was 19.4%. Key corporate and business updates included the completion of the Piedmont Bancorp acquisition on Jan. 10, 2025 (Piedmont had approximately USD 2.4 billion of total assets at closing), which contributed to higher average balances and expenses and drove USD 31.4 million of acquisition-related costs in FY 2025, including a USD 18.7 million provision for credit losses on purchased non-PCD loans recorded in Q1. UCBI also restarted share repurchases, buying 3,587,948 shares in FY 2025 for USD 126.5 million (average price USD 35.24), and declared a Q4 cash dividend of USD 0.38 per share; FY 2025 dividends were USD 1.49 per share, with USD 212.0 million of total cash dividends declared. Asset quality metrics showed nonperforming assets of USD 110.3 million at Dec. 31, 2025, and the allowance for credit losses was USD 332.6 million. Total assets were USD 33.66 billion at Dec. 31, 2025, and total deposits were USD 27.06 billion. UCBI reported regulatory capital ratios at Dec. 31, 2025 of 15.72% risk-based capital, 13.44% Common Equity Tier 1, 13.44% Tier 1, and 11.28% leverage.
Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. United Bankshares Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-26-081470), on February 27, 2026, and is solely responsible for the information contained therein.
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