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AI brief of an SEC Form 8-K · United Bankshares (UBSI)

United Bankshares posts record Q2 2025 earnings of $120.7 million, or $0.85 per share

Positive Impact 3 of 5 earnings Written later

United Bankshares reported record second-quarter 2025 net income of $120.7 million, or $0.85 per diluted share, up from $84.3 million in the first quarter and $96.5 million a year earlier. CEO Richard M. Adams, Jr. attributed the results to the company's entry into the Atlanta market, excellent asset quality, and strong expense control, and the results include the Piedmont Bancorp acquisition completed January 10, 2025. The company also furnished a press release and slide presentation with the filing.

Key points

  • Q2 2025 net income was $120.7 million, or $0.85 per diluted share, versus $84.3 million ($0.59) in Q1 2025 and $96.5 million ($0.71) in Q2 2024.
  • Net interest income was a record $274.5 million, up 22% from Q2 2024 and 6% from Q1 2025.
  • Noninterest expense was $148.0 million, up 10% from Q2 2024, and included $1.3 million in merger-related expenses.
  • Non-performing loans were $68.3 million, or 0.28% of loans, at June 30, 2025; the company repurchased about 981 thousand shares in Q2 at an average price of $33.17.

The filing

CompanyUnited Bankshares (UBSI)
Form8-K, current report
Filed with the SECJul 24, 2025, 8:05 AM ET
Accession number0001193125-25-163847

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 12:59 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 24, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.