Company Overview - United Bankshares (UBSI) is based in Charleston and operates in the Finance sector, with a year-to-date share price change of 10.94% [3] - The company currently pays a dividend of $0.38 per share, resulting in a dividend yield of 3.57%, which is significantly higher than the Banks - Southeast industry's yield of 2.03% and the S&P 500's yield of 1.37% [3] Dividend Performance - The annualized dividend of United Bankshares is $1.52, reflecting a 2% increase from the previous year [4] - Over the past five years, the company has increased its dividend two times on a year-over-year basis, with an average annual increase of 1.39% [4] - The current payout ratio stands at 46%, indicating that the company pays out 46% of its trailing 12-month earnings per share as dividends [4] Earnings Expectations - The Zacks Consensus Estimate for earnings per share in 2026 is $3.54, with an expected increase of 8.26% from the previous year [5] - The company is anticipated to experience earnings expansion this fiscal year, which will influence future dividend growth [5] Investment Appeal - UBSI is considered a compelling investment opportunity due to its attractive dividend yield and strong Zacks Rank of 2 (Buy) [6] - The company is viewed as a solid dividend option, particularly in contrast to high-growth businesses or tech start-ups that typically do not offer dividends [6]

Company Overview - United Bankshares (UBSI) is based in Charleston and operates in the Finance sector, with a year-to-date share price change of 18.54% [3] - The company currently pays a dividend of $0.38 per share, resulting in a dividend yield of 3.34%, which is significantly higher than the Banks - Southeast industry's yield of 2.12% and the S&P 500's yield of 1.34% [3] Dividend Performance - The annualized dividend of United Bankshares is $1.52, reflecting a 2% increase from the previous year [4] - Over the past five years, the company has increased its dividend two times on a year-over-year basis, with an average annual increase of 1.39% [4] - The current payout ratio stands at 46%, indicating that the company pays out 46% of its trailing 12-month earnings per share as dividends [4] Earnings Expectations - The Zacks Consensus Estimate for earnings in 2026 is projected at $3.54 per share, with an expected earnings growth of 8.26% compared to the previous year [5] - The company is anticipated to experience earnings expansion in the current fiscal year [5] Investment Appeal - United Bankshares is characterized as an attractive dividend play and a compelling investment opportunity, holding a Zacks Rank of 2 (Buy) [6]

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Core Viewpoint - Momentum investing focuses on following a stock's recent price trends, with the aim of buying high and selling higher, capitalizing on established price movements [1]. Company Overview: United Bankshares (UBSI) - United Bankshares currently holds a Momentum Style Score of A, indicating strong momentum potential [3]. - The company has a Zacks Rank of 1 (Strong Buy), which historically outperforms the market when combined with a Style Score of A or B [4]. Performance Metrics - Over the past week, UBSI shares increased by 2.1%, outperforming the Zacks Banks - Southeast industry, which rose by 1.25% [6]. - In the last month, UBSI's price change was 13.82%, significantly higher than the industry's 7.74% [6]. - Over the past quarter, UBSI shares rose by 22.06%, while the S&P 500 only increased by 1.9% [7]. - Year-to-date, UBSI shares are up 15.38%, compared to the S&P 500's 15.32% increase [7]. Trading Volume - UBSI's average 20-day trading volume is 1,000,581 shares, which serves as a bullish indicator when the stock price rises with above-average volume [8]. Earnings Outlook - In the last two months, two earnings estimates for UBSI have been revised upward, increasing the consensus estimate from $3.41 to $3.58 [10]. - For the next fiscal year, two estimates have also moved higher, with no downward revisions [10]. Conclusion - Given the strong performance metrics and positive earnings outlook, UBSI is positioned as a strong momentum pick and should be considered for investment [12].

Core Insights - United Bankshares, Inc. (NASDAQ:UBSI) is recognized as one of the Best Low Risk Stocks for a Retirement Stock Portfolio [1] - Stephens analyst Russell Gunther raised the price target for UBSI to $44 from $40, maintaining an Equal Weight rating, citing strong operating EPS that exceeded estimates [2] - The company's profitability metrics include a net income of $128.8 million for Q4 2025, translating to $0.91 per diluted share, with annualized returns of 1.52% on average assets, 9.31% on average equity, and 14.86% on average tangible equity [3] Financial Performance - United Bankshares reported a net income of $128.8 million for Q4 2025, with earnings per diluted share at $0.91 [3] - The acquisition of Piedmont Bancorp, which closed on January 10, 2025, positively impacted average balances, income, and expenses compared to the previous year [3] - The company executed share repurchases of approximately 3.6 million shares at an average price of $35.24 per share in 2025, with no repurchases made in 2024 [4] Investment Considerations - UBSI's excess capital is being utilized for share buybacks, which supports its premium valuation compared to peers [2] - The company operates primarily through its community banking business as the parent of United Bank [4]

Company Overview - United Bankshares (UBSI) is based in Charleston and operates in the Finance sector, with a year-to-date share price change of 11.33% [3] - The company currently pays a dividend of $0.38 per share, resulting in a dividend yield of 3.56%, which is significantly higher than the Banks - Southeast industry's yield of 2.06% and the S&P 500's yield of 1.35% [3] Dividend Information - The annualized dividend of United Bankshares is $1.52, reflecting a 2% increase from the previous year [4] - Over the past five years, the company has increased its dividend two times on a year-over-year basis, with an average annual increase of 1.39% [4] - The current payout ratio is 49%, indicating that the company pays out 49% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for earnings per share in 2026 is $3.41, which represents a year-over-year earnings growth rate of 4.28% [5] - The company is viewed as a compelling investment opportunity due to its strong dividend profile and solid earnings growth prospects [6]

分组1 - United Bankshares (UBSI) reported quarterly earnings of $0.91 per share, exceeding the Zacks Consensus Estimate of $0.86 per share, and up from $0.69 per share a year ago, representing an earnings surprise of +6.22% [1] - The company posted revenues of $319.19 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 1.18%, and compared to year-ago revenues of $262.72 million [2] - United Bankshares has outperformed the S&P 500 with a gain of about 11.4% since the beginning of the year, while the S&P 500 gained 0.4% [3] 分组2 - The current consensus EPS estimate for the coming quarter is $0.82 on revenues of $314.15 million, and for the current fiscal year, it is $3.41 on revenues of $1.28 billion [7] - The Zacks Industry Rank for Banks - Southeast is currently in the top 32% of over 250 Zacks industries, indicating a favorable outlook for the industry [8] - TowneBank (TOWN), another company in the same industry, is expected to report quarterly earnings of $0.72 per share, reflecting a year-over-year change of +30.9% [9]

Financial Performance - United Bankshares, Inc. reported record earnings for 2025 of $464.6 million, or $3.27 per diluted share, representing a 24.5% increase from 2024 earnings of $373.0 million, or $2.75 per diluted share [2][17]. - Net interest income for 2025 increased by $191.1 million, or 21%, to a record $1.1 billion, driven by a rise in average earning assets and lower average rates paid on deposits [18]. - Noninterest income for 2025 was $135.2 million, an increase of $11.5 million, or 9%, primarily due to net gains on investment securities and increased fees from brokerage services [20]. - Net income for the year ended December 31, 2025, was $464,603,000, an increase from $372,996,000 in 2024, which is a 24.5% rise [40]. - Net interest income rose to $1,105,314 thousand for the year ended December 2025, compared to $914,430 thousand for the previous year, reflecting an increase of 20.83% [54]. Credit Losses and Asset Quality - The provision for credit losses for 2025 was $53.9 million, which included $18.7 million related to purchased non-credit deteriorated loans from the Piedmont acquisition [19]. - The provision for credit losses for the year ended December 31, 2025, was $53,866,000, significantly higher than $25,153,000 in 2024, indicating increased risk management measures [40]. - As of December 31, 2025, non-performing loans (NPLs) were $101.5 million, or 0.41% of loans & leases, net of unearned income, down from $116.9 million, or 0.48% at September 30, 2025 [24]. - Non-performing loans as a percentage of total loans and leases stood at 0.41% in December 2025, compared to 0.34% in December 2024, showing a slight deterioration in asset quality [57]. Expenses and Efficiency - Noninterest expense for 2025 was $600.1 million, including $12.7 million in merger-related expenses, reflecting an increase of $55.1 million, or 10%, from 2024 [22]. - Noninterest expense related to the reserve for unfunded loan commitments increased by $10.0 million in 2025, largely due to merger-related expenses from the Piedmont acquisition [22]. - The efficiency ratio improved to 47.65% in December 2025, down from 51.23% in December 2024, indicating better cost management [57]. Capital and Shareholder Returns - United's estimated risk-based capital ratio was 15.7% at December 31, 2025, well above the regulatory requirement of 10.0% for a well-capitalized institution [28]. - The Common Equity Tier 1 capital ratio was estimated at 13.4% at December 31, 2025, exceeding the regulatory minimum of 6.5% [28]. - Cash dividends per share increased to $0.38 in Q4 2025, up from $0.37 in Q4 2024, indicating a commitment to returning value to shareholders [40]. - Common dividends declared per share increased to $0.38 in December 2025 from $0.37 in September 2025, reflecting a growth of 2.70% [49]. - The company reported a dividend payout ratio of 41.50% for December 2025, compared to 40.12% in September 2025, indicating a slight increase in the proportion of earnings distributed as dividends [49]. Asset Growth and Composition - Average earning assets increased by $3.0 billion, or 11%, from 2024, driven by a $2.5 billion increase in average net loans and loans held for sale [18]. - Total assets reached $33,660,281,000 at the end of Q4 2025, compared to $30,023,545,000 at the end of Q4 2024, a growth of 12.1% [45]. - Total assets increased to $33,587,391 thousand in December 2025, up from $33,069,770 thousand in September 2025, representing a growth of 1.57% [47]. - Total deposits increased to $27,060,939,000 in Q4 2025, up from $23,961,859,000 in Q4 2024, marking a 13.1% growth [45]. - The total deposits rose to $27,077,100 thousand in December 2025, compared to $26,635,159 thousand in September 2025, indicating a growth of 1.66% [47]. Mergers and Acquisitions - The acquisition of Piedmont Bancorp, Inc. on January 10, 2025, significantly impacted the financial results, contributing to increased average balances and income [3]. - The company recorded an allowance for loan & lease losses on acquired Piedmont non-PCD loans of $18.7 million and on acquired Piedmont PCD loans of $17.5 million during the first quarter of 2025 [25].

United Bankshares, Inc. (UBSI) Fourth Quarter & Fiscal Year 2025 Earnings Review January 22, 2026 The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: (1) the effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve and the trade and tariff policies; (2) general competitive, economic, political and market ...

Core Insights - United Bankshares, Inc. reported record earnings for the year 2025, indicating strong financial performance and growth potential for the company [1] Financial Performance - The company achieved record earnings, showcasing a significant increase compared to previous years [1] - Specific financial metrics and comparisons to prior periods were not detailed in the provided content [1] Market Position - The announcement of record earnings positions United Bankshares favorably within the banking industry, potentially attracting more investors and enhancing its market reputation [1]