United Bankshares posts record Q2 net income of $120.7M, diluted EPS $0.85

UNITED BANKSHARES INC/WV

2025-Q2 EPS reported $1.44

Net income of $120.7M ($0.85 EPS) vs $96.5M ($0.71) in Q2 2024, up 25% YoY.
Record net interest income of $274.5M, +22% YoY, driven by Piedmont acquisition and organic growth.
Provision for credit losses was $5.9M, stable vs $5.8M YoY; net charge-offs 0.14% annualized.
Asset quality sound: NPLs 0.28% of loans; risk-based capital ratio 15.8%, well above well-capitalized thresholds.
Repurchased ~981k shares at avg $33.17 in Q2; total 1.5M shares in H1 2025 at avg $33.81.

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