United Bankshares (UBSI) Delivers Record Earnings and Strong Growth Momentum

United Bankshares, Inc. (NASDAQ:UBSI) is one of the best bank stocks to buy trading under book value. United Bankshares, Inc. (NASDAQ:UBSI) posted record earnings for the second quarter of 2025 on July 24, delivering strong results that reflect the company’s smart expansion strategy and solid financial management. Total revenue, which includes both interest and noninterest income, came in at $452.6 million for the quarter, a 13.3% year-over-year growth. The bank earned a net income of $120.7 million, or $0.85 per diluted share, which represented a 25.4% year-over-year growth.

United Bankshares (UBSI) Delivers Record Earnings and Strong Growth Momentum

An executive in a suit walking into a modern headquarters building of a regional bank.

Key performance metrics showed solid momentum. Return on average assets reached 1.49%, while return on average equity hit 9.05%, and return on tangible equity climbed to 14.67%. These improvements were largely driven by strong loan growth, higher interest income, and continued benefits from the Piedmont Bancorp acquisition. Net interest income rose to $274.5 million, up 6% from the previous quarter, and the bank’s net interest margin improved to 3.81%.

The bank also did a good job managing expenses. Merger-related costs dropped significantly, helping noninterest expenses fall by $5.6 million compared to the first quarter. Asset quality stayed healthy, with nonperforming loans at just 0.28% of the total loan book. With strong fundamentals, improved efficiency, and growth in new markets like Atlanta, United Bankshares appears to be in a solid position heading into the rest of the year.

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