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

United Bankshares posts record 2025 earnings of $464.6 million, $3.27 per diluted share

Positive Impact 3 of 5 earnings Written later

United Bankshares reported record 2025 net income of $464.6 million, or $3.27 per diluted share, up from $373.0 million, or $2.75 per diluted share, in 2024. Fourth-quarter net income was $128.8 million, or $0.91 per diluted share, slightly below the third quarter but up from the fourth quarter of 2024, and net interest income reached a record $287.5 million. Results reflect the Piedmont Bancorp acquisition completed on January 10, 2025.

Key points

  • Full-year 2025 net income was $464.6 million, or $3.27 per diluted share, versus $373.0 million, or $2.75, in 2024.
  • Q4 2025 net income was $128.8 million, or $0.91 per diluted share, versus $130.7 million, or $0.92, in Q3 2025 and $94.4 million, or $0.69, in Q4 2024.
  • Q4 2025 net interest income was a record $287.5 million, up 3% from Q3 2025 and 24% from Q4 2024; net interest margin was 3.83%.
  • Q4 2025 noninterest income was $30.9 million, down 28% from Q3 2025.

The filing

CompanyUnited Bankshares (UBSI)
Form8-K, current report
Filed with the SECJan 22, 2026, 8:00 AM ET
Accession number0001193125-26-018696

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 12:58 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 January 22, 2026.

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.