United Bankshares posts record FY2025 earnings of $464.6M ($3.27 EPS); Q4 EPS $0.91

UNITED BANKSHARES INC/WV

2025-FY EPS reported $3.27

Record annual net income $464.6M ($3.27 EPS) in FY2025, up 24.5% from FY2024's $373.0M ($2.75 EPS).
Q4 net income $128.8M ($0.91 EPS) vs $94.4M ($0.69) a year ago; net interest margin expanded 34bps to 3.83%.
Net interest income record $287.5M in Q4, up 3% linked quarter; provision for credit losses fell to $6.8M from $12.1M.
Piedmont Bancorp acquisition (Jan 2025) drove loan growth and added $18.7M non-PCD provision; merger expenses $12.7M in FY2025.
Credit quality: NPLs declined to $101.5M (0.41% of loans); Q4 annualized net charge-offs 0.15%. Repurchased 1.3M shares in Q4 at $36.49 avg.

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