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

United Bankshares reports record third-quarter 2025 earnings of $130.7 million

Positive Impact 3 of 5 earnings Written later

United Bankshares, Inc. (NASDAQ: UBSI) reported record earnings of $130.7 million, or $0.92 per diluted share, for the third quarter of 2025, up from $120.7 million, or $0.85 per diluted share, in the second quarter and $95.3 million, or $0.70 per diluted share, in the third quarter of 2024. Non-performing loans rose to $116.9 million from $68.3 million at June 30, 2025, mainly due to two commercial real estate loans tied to one sponsor, which shareholders should weigh alongside the earnings gain.

Key points

  • Q3 2025 earnings were $130.7 million, or $0.92 per diluted share, versus $120.7 million, or $0.85, in Q2 2025 and $95.3 million, or $0.70, in Q3 2024.
  • Net interest income was a record $280.1 million, up $5.6 million, or 2%, from Q2 2025; net interest margin was 3.80% versus 3.81% in Q2.
  • Non-performing loans were $116.9 million at September 30, 2025, up from $68.3 million at June 30, 2025; Q3 net charge-offs were $20.0 million, including $16.5 million on two CRE loans tied to the same sponsor.
  • During Q3 2025, United repurchased about 735 thousand shares of common stock at an average price of $36.04.

The filing

CompanyUnited Bankshares (UBSI)
Form8-K, current report
Filed with the SECOct 23, 2025, 8:00 AM ET
Accession number0001193125-25-247719

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 October 23, 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.