United Reports Q4 Tangible Book Value Per Share of $24.63
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Should l Buy UBSI?
Reports Q4 tangible book value per share $24.63. Reports Q4 net charge-offs .15%. Reports Q4 CET1 capital ratio 6.5%. "Our financial performance in 2025 was among the very best in our Company's long history," stated Richard Adams, Jr., United's CEO. "We delivered record earnings, strong profitability, resilient credit, and robust capital and liquidity. Underpinning these results was our continued success driving high quality organic growth. As we look to the new year, we remain committed to our mission of excellence in service to our shareholders, customers, communities, and employees."
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Analyst Views on UBSI
Wall Street analysts forecast UBSI stock price to fall
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 41.840
Low
40.00
Averages
41.25
High
42.50
Current: 41.840
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 to Present at Raymond James Conference
- Conference Schedule: United Bankshares will present at the Raymond James 47th Annual Institutional Investors Conference on March 2, 2026, at 1:40 p.m. (Eastern), with a 30-minute presentation aimed at showcasing the company's financial performance and corporate objectives.
- Executive Speakers: CEO Rick Adams and CFO W. Mark Tatterson will represent United, sharing insights on the company's strategic direction and future outlook, thereby enhancing investor confidence in the firm.
- Live Streaming and Replay: The presentation will be streamed live, accessible via the event website, and an archived webcast will be available for one year post-event, ensuring that investors who cannot attend live can still access the information.
- Company Background: As of December 31, 2025, United Bankshares has consolidated assets of approximately $34 billion and operates over 240 offices across multiple states, highlighting its extensive footprint and influence in the financial services sector.
See More
United Bankshares to Present at Investors Conference
- Conference Schedule: United Bankshares will present at the Raymond James 47th Annual Institutional Investors Conference on March 2, 2026, at 1:40 p.m. (Eastern), with a 30-minute presentation aimed at showcasing the company's financial performance and corporate objectives.
- Executive Speakers: CEO Rick Adams and CFO W. Mark Tatterson will represent United Bank, sharing insights on the company's strategic direction and future outlook, thereby enhancing investor confidence in the firm.
- Live Streaming and Replay: The event will be streamed live, allowing investors to access it via the designated website, and the archived webcast will be available for one year post-event, ensuring that those unable to attend live can still access the information.
- Investor Materials Release: An investor slide presentation will be made available on the same day as the conference, further supporting investors' understanding of the company's financial status and enhancing transparency and communication efficiency.
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- Pentair's Milestone: Pentair announced a quarterly cash dividend of $0.27 per share to be paid on May 1, 2026, marking the 50th consecutive year of dividend increases, showcasing the company's stable profitability and commitment to shareholders.
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- United Bankshares Consistency: United Bankshares announced a first-quarter 2026 dividend of $0.38 per share, marking its 52nd consecutive year of dividend increases, demonstrating its solid position in the banking sector and long-term commitment to shareholders.
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- 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.
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United Bankshares to Present at Raymond James Conference
- Conference Schedule: United Bankshares will present at the Raymond James 47th Annual Institutional Investors Conference on March 2, 2026, at 1:40 p.m. (Eastern), with a 30-minute presentation aimed at showcasing the company's financial performance and corporate objectives.
- Executive Speakers: CEO Rick Adams and CFO W. Mark Tatterson will represent United, sharing insights on the company's strategic direction and future outlook, thereby enhancing investor confidence in the firm.
- Live Streaming and Replay: The presentation will be streamed live, accessible via the event website, and an archived webcast will be available for one year post-event, ensuring that investors who cannot attend live can still access the information.
- Company Background: As of December 31, 2025, United Bankshares has consolidated assets of approximately $34 billion and operates over 240 offices across multiple states, highlighting its extensive footprint and influence in the financial services sector.
See More
United Bankshares to Present at Investors Conference
- Conference Schedule: United Bankshares will present at the Raymond James 47th Annual Institutional Investors Conference on March 2, 2026, at 1:40 p.m. (Eastern), with a 30-minute presentation aimed at showcasing the company's financial performance and corporate objectives.
- Executive Speakers: CEO Rick Adams and CFO W. Mark Tatterson will represent United Bank, sharing insights on the company's strategic direction and future outlook, thereby enhancing investor confidence in the firm.
- Live Streaming and Replay: The event will be streamed live, allowing investors to access it via the designated website, and the archived webcast will be available for one year post-event, ensuring that those unable to attend live can still access the information.
- Investor Materials Release: An investor slide presentation will be made available on the same day as the conference, further supporting investors' understanding of the company's financial status and enhancing transparency and communication efficiency.
See More
Valmont, Pentair, and Others Announce Dividend Increases
- Valmont Dividend Increase: Valmont Industries has approved a 13% increase in its quarterly cash dividend to $0.77 per share, payable on April 15, 2026, reflecting the company's confidence in future cash flows and enhancing shareholder returns.
- Pentair's Milestone: Pentair announced a quarterly cash dividend of $0.27 per share to be paid on May 1, 2026, marking the 50th consecutive year of dividend increases, showcasing the company's stable profitability and commitment to shareholders.
- Graham Holdings Dividend Declaration: Graham Holdings declared a quarterly dividend of $1.88 per share, payable on May 7, 2026, further solidifying its ongoing performance in shareholder returns and reflecting the company's robust financial health.
- United Bankshares Consistency: United Bankshares announced a first-quarter 2026 dividend of $0.38 per share, marking its 52nd consecutive year of dividend increases, demonstrating its solid position in the banking sector and long-term commitment to shareholders.
See More
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.
See More
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.
See More
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Cheniere Energy Partners Performance: Cheniere Energy Partners L.P. (CQP) saw a 9.2% increase in pre-market trading.
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