• United Bankshares, Inc. recently reported fourth-quarter 2025 net interest income of US$287.46 million and net income of US$128.83 million, alongside full-year 2025 net income of US$464.6 million, while also completing a buyback of 700,000 shares for US$27.37 million.
• The combination of higher net interest income, stronger earnings per share, and a completed share repurchase program highlights both earnings strength and active capital management by the bank.
• We’ll now explore how this combination of stronger earnings and a completed share repurchase program shapes United Bankshares’ investment narrative.

Find companies with promising cash flow potential yet trading below their fair value.

What Is United Bankshares' Investment Narrative?

For someone holding United Bankshares, the core belief is that a conservative regional bank with experienced leadership can keep turning steady profitability into a mix of dividends and disciplined buybacks. The latest quarter’s higher net interest income and stronger earnings, combined with the completion of a US$27.37 million repurchase of 700,000 shares, lean into that story by reinforcing both earnings power and capital return. In the short term, this supports existing catalysts such as the long dividend track record and management’s willingness to support the share price when they see value, which recent double digit price gains suggest the market is starting to notice. The flip side is that rising net charge offs through 2025 and only modest forecast profit growth keep credit quality and return on equity firmly in focus.

However, investors also need to be aware of how rising charge offs could affect that earnings story. United Bankshares' shares have been on the rise but are still potentially undervalued by 33%. Find out what it's worth.

Exploring Other Perspectives

Three Simply Wall St Community fair value views span roughly US$34.72 to US$64.20, underlining how far apart individual investors can be. Set against United Bankshares’ solid recent earnings and active capital returns, this spread invites you to weigh differing expectations for credit risk and growth before deciding how its performance might evolve.

Explore 3 other fair value estimates on United Bankshares - why the stock might be worth 19% less than the current price!

Build Your Own United Bankshares Narrative

Disagree with this assessment? Create your own narrative in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your United Bankshares research is our analysis highlighting 4 key rewards that could impact your investment decision.
• Our free United Bankshares research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate United Bankshares' overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.