- United Bankshares reported a net interest margin of 3.49% for the fourth quarter of 2025. This is a decrease from 3.55% year-over-year and below the estimated 3.51%.
- The company achieved a net income of $94.4 million, surpassing the estimate of $91.6 million.
- Earnings per share (EPS) were 69 cents, up from 59 cents year-over-year, and above the estimate of 68 cents.
- The provision for credit losses was $6.69 million, representing a 2.7% decrease year-over-year, and was lower than the estimated $6.95 million.
- Analyst recommendations for United Bankshares include 1 buy, 4 holds, and 0 sell ratings.
A look at United Bankshares Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 4 | |
| Dividend | 4 | |
| Growth | 3 | |
| Resilience | 3 | |
| Momentum | 4 | |
| OVERALL SMART SCORE | 3.6 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
United Bankshares, Inc. has received strong Smartkarma Smart Scores across multiple key factors. With a solid Value score of 4, the company is deemed to be offering good value for investors. Additionally, its Dividend score of 4 reflects a reliable dividend payout, appealing to income-oriented investors. While its Growth and Resilience scores are slightly lower at 3, indicating moderate growth prospects and resilience in turbulent markets, the company’s Momentum score of 4 suggests a positive trend in stock performance.
Overall, United Bankshares, Inc., a regional banking company with a strong presence in multiple states, seems well-positioned for the long term based on its Smartkarma Smart Scores. With its network of offices and focus on attracting deposits and offering various loan products, the company’s solid scores across key factors indicate a promising outlook for investors seeking value, income, and potential growth in the banking sector.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
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