United Bankshares Q4 earnings rise driven by Piedmont acquisition
Overview
U.S. financial services firm's Q4 earnings rose yr/yr, driven by Piedmont acquisition
Net interest income for Q4 hit a record high, increasing 24% yr/yr
Provision for credit losses decreased significantly from Q3 to Q4 2025
Result Drivers
PIEDMONT ACQUISITION - Acquisition of Piedmont Bancorp led to increased average balances, income, and expenses in Q4 2025 compared to Q4 2024
NET INTEREST INCOME - Record net interest income in Q4 2025 driven by loan growth and lower average rate paid on deposits
NONINTEREST INCOME DECLINE - Noninterest income in Q4 2025 decreased 28% from Q3 2025 due to net losses on investment securities
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $128.83 mln |
|
Q4 Net Interest Income |
| $287.46 mln |
|
Q4 Credit Loss Provision |
| $6.78 mln |
|
Analyst Coverage
The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 2 "strong buy" or "buy", 3 "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 is $40.00, about 6.5% below its January 21 closing price of $42.78
The stock recently traded at 13 times the next 12-month earnings vs. a P/E of 12 three months ago
Press Release: ID:nBwbHz1mFa
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