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Dec 31, 2025
United Bankshares Q4 2025 Earnings Report
United Bankshares reported higher net income and interest income in Q4 2025 compared to the prior year, with solid returns and strong capital ratios.
Key Takeaways
United Bankshares delivered strong Q4 2025 results with $128.8 million in net income and a 3.83% net interest margin. The company saw improved profitability and efficiency, driven by higher interest income and controlled expenses.
Q4 2025 net income was $128.8 million, up from $94.4 million in Q4 2024
Diluted EPS for Q4 2025 was $0.91
Net interest income increased to $287.5 million, a 24% rise YoY
Efficiency ratio improved to 47.65% from 51.23% in Q4 2024
Forward Guidance
United Bankshares expects continued strong capital and liquidity in 2026, with potential earnings growth driven by organic loan expansion and efficiency gains.
Positive Outlook
- Strong capital base with CET1 ratio at 13.4%
- Continued loan growth expected from organic channels
- Resilient credit performance and improving efficiency
- Effective deposit cost management
- High returns on tangible equity supporting profitability
Challenges Ahead
- Decrease in mortgage banking income could continue
- Lower effective yield on loans may pressure margins
- Volatility in noninterest income from securities
- Headwinds from reduced noninterest income sources
- Potential increase in credit loss provisions
Historical Earnings Impact
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Avg. Return Before/After Earnings
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