United Bankshares Looks To Carry Momentum Into Q1

Crimson And Gold Research260 FollowersFollow5ShareSavePlay(12min)CommentsSummaryUnited Bankshares has rebounded post-Piedmont Bancorp integration, delivering record FY 2025 net income and EPS and outperforming previous expectations.UBSI's operational improvements include a 1.41% ROA, 8.63% ROE, a 48.5% efficiency ratio, and a net interest margin of 3.83%, all trending positively.Asset quality has strengthened, with nonperforming loans at 0.41% and net charge-offs reduced to 0.15%, positioning UBSI well for FY 2026.I am upgrading UBSI to a more positive outlook, citing a 3.49% yield, improved metrics, and anticipated stock buybacks supporting EPS and share price. FG Trade/E+ via Getty Images This analysis serves as both an update for my previous article about United Bankshares (UBSI) and a preview of what its upcoming Q1 2026 financial report could say about the company’s outlook forThis article was written byCrimson And Gold Research260 FollowersFollowI have been involved in the financial world for over 25 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for profits on individual stocks come from stocks that are less-widely followed by the average investor or from stocks that may not accurately reflect the opportunities that currently exist in their markets.Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.