United Bankshares Q3 EPS $0.94 vs $0.92 a year ago; record net interest income of $294.3M

UNITED BANKSHARES INC/WV

Q3 2026 net income $128.7M, or $0.94 per diluted share, vs $130.7M ($0.92) in Q3 2025 and $131.4M ($0.95) in Q2 2026.
Record net interest income $294.3M, up 3% QoQ and 5% YoY; net interest margin 3.86% vs 3.81% in Q2 2026 and 3.80% in Q3 2025.
Noninterest income fell 20% QoQ and 29% YoY to $30.8M, driven by $348K securities losses vs $2.8M Q2 gains and $10.4M year-ago gains.
Provision for credit losses $6.2M vs $5.0M in Q2 and $12.1M a year ago; net charge-offs $11.6M (0.18% annualized); NPLs 0.43% of loans.
Repurchased 2.1M shares at average $46.84 in Q3 (5.4M at $43.77 YTD); CET1 12.9%, leverage 11.1%, ROTCE 14.68%.

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