United Bankshares (UBSI) Q4 EPS Beats Expectations with 21.6% Revenue Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Source: seekingalpha
- Earnings Beat: United Bankshares reported a Q4 GAAP EPS of $0.91, exceeding expectations by $0.05, which reflects the company's ongoing profitability enhancement and strengthens investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $318.39 million, a 21.6% year-over-year increase that not only surpassed expectations by $2.89 million but also indicates strong business expansion and market demand.
- Decrease in Credit Loss Provision: The provision for credit losses in Q4 was $6.8 million, significantly down from $12.1 million in Q3, suggesting an improvement in asset quality that could enhance future profitability.
- Positive Market Reaction: Given the earnings beat, United Bankshares' stock price is likely to react positively, with analysts maintaining an optimistic outlook on its future performance, believing the company has solid growth potential in the current economic environment.
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Analyst Views on UBSI
Wall Street analysts forecast UBSI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for UBSI is 41.25 USD with a low forecast of 40.00 USD and a high forecast of 42.50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 41.740
Low
40.00
Averages
41.25
High
42.50
Current: 41.740
Low
40.00
Averages
41.25
High
42.50
About UBSI
United Bankshares, Inc. is a financial holding company of United Bank (the Bank). The Company operates through the community banking segment. The Bank offers a full range of products and services through various delivery channels. It includes among the banking products and services offered are the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal, credit card, commercial, and floor plan loans, and the making of construction and real estate loans as well as the origination and sale of residential mortgages in the secondary market. It also offers trust and brokerage services, safe deposit boxes, and wire transfers. The Bank operates a network of over 240 locations across Georgia, South Carolina, North Carolina, Virginia, Maryland, Washington, D.C., West Virginia, Ohio, and Pennsylvania.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
United Bankshares Reports Record Earnings of $464.6 Million for 2025, Significant Shareholder Returns
- Record Earnings: United Bankshares achieved a net income of $464.6 million in 2025, translating to $3.27 per diluted share, representing a 24.5% increase from 2024, which significantly boosts shareholder confidence and reflects strong financial performance.
- Net Interest Income Growth: The bank's net interest income rose by $191.1 million, or 21%, in 2025, primarily driven by an increase in average earning assets and lower deposit rates, thereby strengthening the company's financial foundation.
- Strong Capital Ratios: As of December 31, 2025, United's risk-based capital ratio stood at 15.7%, well above regulatory requirements, demonstrating robust capital management and providing ample support for future expansion initiatives.
- Increase in Non-Interest Income: Non-interest income reached $135.2 million in 2025, a 9% year-over-year increase, largely due to higher net gains on investment securities, reflecting the company's successful strategy in diversifying its revenue streams.
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United Bankshares (UBSI) Q4 EPS Beats Expectations with 21.6% Revenue Growth
- Earnings Beat: United Bankshares reported a Q4 GAAP EPS of $0.91, exceeding expectations by $0.05, which reflects the company's ongoing profitability enhancement and strengthens investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $318.39 million, a 21.6% year-over-year increase that not only surpassed expectations by $2.89 million but also indicates strong business expansion and market demand.
- Decrease in Credit Loss Provision: The provision for credit losses in Q4 was $6.8 million, significantly down from $12.1 million in Q3, suggesting an improvement in asset quality that could enhance future profitability.
- Positive Market Reaction: Given the earnings beat, United Bankshares' stock price is likely to react positively, with analysts maintaining an optimistic outlook on its future performance, believing the company has solid growth potential in the current economic environment.
Continue Reading