Overview

* United Bankshares Q3 2025 net income rises to $130.7 mln, marking record earnings

* Net interest income for Q3 2025 increased by 22% year-over-year

* Adjusted pretax profit for Q3 2025 beats analyst expectations

Outlook

* Company did not provide specific guidance for future quarters or full year

Result Drivers

* NET INTEREST INCOME - Driven by increased average earning assets and organic loan growth, contributing to record earnings

* NONINTEREST INCOME - Boosted by net gains on investment securities and increased fees from brokerage services

* EXPENSE MANAGEMENT - Noninterest expenses decreased slightly, under 1%

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Net $130.74

Income mln

Q3 Net $280.11

Interest mln

Income

Q3 Beat $165.26 $146.81

Adjusted mln mln (5

Pretax Analysts

Profit )

Q3 $12.09

Credit mln

Loss

Provisio

n

Q3 $164.48

Pretax mln

Profit

Analyst Coverage

* The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 1 "strong buy" or "buy", 4 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy."

* Wall Street's median 12-month price target for United Bankshares Inc ( UBSI ) is $40.00, about 11.4% above its October 21 closing price of $35.45

* The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 12 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)