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United Bankshares, Inc. reports solid third-quarter 2025 results alongside the integration of its Piedmont Bancorp acquisition. Net income for the quarter rose to $130.7 million from $95.3 million a year earlier, with basic and diluted EPS increasing to $0.92 from $0.70.
For the first nine months of 2025, net income reached $335.8 million versus $278.6 million in 2024, and EPS grew to $2.36 from $2.06. Total assets expanded to $33.4 billion at September 30, 2025, up from $30.0 billion at December 31, 2024, driven by loan growth and the Piedmont transaction.
The January 2025 acquisition of Piedmont Bancorp, Inc. added $2.36 billion in total assets and $2.11 billion in deposits at the acquisition date, for total purchase consideration of about $281.0 million. United recorded preliminary $130.0 million of goodwill and a $32.8 million core deposit intangible from this deal.
United Bankshares (UBSI) director Shelli L. Adams reported insider activity on a Form 4. On 11/07/2025, Adams acquired 138 shares of phantom stock (Transaction Code P) at $36.1724 per unit. These phantom shares are convertible on a 1-for-1 basis for common stock reference and are payable in cash following termination of employment.
Following the reported transaction, Adams beneficially owned 54,534 phantom stock units directly. Common stock holdings after the filing were 457,070 shares held directly, plus 36,800 shares held indirectly through Bray & Oakley Insurance and 1,000 shares held indirectly by spouse. The filing was made by one reporting person in the capacity of Director.
United Bankshares, Inc. reported that it has released its financial results for the third quarter and first nine months of 2025. The company disclosed these results through a press release dated October 23, 2025, which is attached as Exhibit 99.1.
The filing also furnishes a slide presentation of financial information for the third quarter of 2025 as Exhibit 99.2, providing additional detail on the period’s performance. Both the press release and slides are being furnished, not filed, under the section covering results of operations and financial condition.
UNITED BANKSHARES INC/WV director Clinton P. Winter increased his exposure using phantom stock. On October 8, 2025, he bought 536 units of phantom stock at $37.0949 per unit in an open‑market purchase, taking his phantom stock balance to 54,396 units.
The phantom stock is described as 1‑for‑1 with common stock and is payable in cash after his termination of employment. On the same date he also reported direct ownership of 457,070 shares of common stock and indirect holdings of 36,800 shares through Bray & Oakley Insurance and 1,000 shares held by his spouse.
United Bankshares Inc. director Winter P. Clinton reported a purchase of 662 phantom stock units on August 26, 2025, at $38.231 per unit. These phantom stock units are tied 1-for-1 to United Bankshares common stock and are payable in cash after the end of the reporting person’s employment with the company.
Following this transaction, Clinton held 53,860 phantom stock units directly. The Form 4 also shows direct ownership of 457,070 shares of United Bankshares common stock, plus indirect holdings of 36,800 shares through Bray & Oakley Insurance and 1,000 shares held by a spouse.
United Bankshares reported stronger results in the first half of 2025 with consolidated assets of $32,783,363 thousand, up from $30,023,545 thousand, driven by loan growth and the acquisition of Piedmont Bancorp. Net income was $120,721 thousand for the quarter (up from $96,507 thousand a year ago) and $205,027 thousand for six months (up from $183,321 thousand), producing basic EPS of $0.85 for the quarter and $1.44 for six months. Net interest income rose to $274,537 thousand for the quarter and $534,592 thousand year‑to‑date, reflecting higher loan yields and short‑term investment income. Deposits increased to $26,335,874 thousand from $23,961,859 thousand, supporting loan growth to $24,050,222 thousand gross. The company completed the Piedmont acquisition for $280,967 thousand, issuing 7,860,831 shares and recording $130,021 thousand of goodwill and $32,764 thousand of core deposit intangibles. Management recorded acquisition costs and purchase‑related credit provisions; available‑for‑sale securities carried $268,656 thousand of unrealized losses largely due to rising interest rates.
United Bankshares, Inc. (UBSI) – Form 4 filed 08/06/2025
Director Clinton P. Winter reported a Code P acquisition of 278 phantom stock units at an average reference price of $35.7692. Phantom stock is settled in cash after the director leaves the company and therefore does not immediately dilute equity, but aligns compensation with share-price performance.
Following the transaction, Winter’s holdings stand at:
- Common stock – direct: 457,070 shares
- Common stock – indirect: 36,800 shares via Bray & Oakley Insurance and 1,000 shares held by spouse
- Phantom stock: 53,198 units (including the 278 newly acquired)
The purchase value is roughly $10k, a modest amount relative to the director’s existing stake and UBSI’s $5 bn+ market cap. No sales were reported. The filing signals continued insider alignment but is unlikely to be financially material for investors.