Mission Statement, Vision, & Core Values of United Bankshares, Inc. (UBSI)

You want to know what truly drives a financial institution like United Bankshares, Inc. (UBSI) beyond the balance sheet, and that story is defintely rooted in their Mission, Vision, and Core Values. When a bank reports a trailing twelve-month net income of $0.430 billion as of September 30, 2025, representing a 20.17% year-over-year increase, it's not just luck; it's the execution of a clear strategy. How does a company with over $33.407 billion in total assets maintain a commitment to its communities while consistently delivering on its vision to be one of the highest performing banks? Are these foundational statements just corporate boilerplate, or are they the engine behind their 51 consecutive years of dividend increases? Let's look at the principles guiding every decision, from the teller line to the executive suite, and see how they translate into real-world returns.

United Bankshares, Inc. (UBSI) Overview

You need a clear picture of what United Bankshares, Inc. (UBSI) is right now, not what it was last year. The quick takeaway is that this is a deeply established financial holding company with over a century and a half of history, and it's currently riding a wave of record earnings driven by strategic acquisitions and strong loan growth in key Southern markets.

United Bankshares, Inc. is the parent company of United Bank, a financial institution with a banking tradition stretching back to 1839. Honestly, that kind of longevity-over 180 years-tells you something about their stability. They operate through a community banking segment, offering a full suite of services across a nine-state footprint, including Washington, D.C., Virginia, West Virginia, Maryland, North Carolina, South Carolina, Ohio, Pennsylvania, and Georgia.

Their product mix is comprehensive, covering everything from basic deposit accounts to complex commercial lending. You'll find they offer:

• Personal, credit card, commercial, and floor plan loans.
• Checking, savings, time, and money market accounts.
• Residential mortgage origination and secondary market sales.
• Trust and brokerage services.

As of September 30, 2025, the company reported consolidated assets of approximately $33 billion. That's a solid balance sheet. If you want to dive deeper into how they got here, you should check out United Bankshares, Inc. (UBSI): History, Ownership, Mission, How It Works & Makes Money.

2025 Financial Performance: Record-Breaking Momentum

The numbers from the latest reporting period, Q3 2025, are defintely strong, showing a clear earnings momentum. The company reported record net income for the third quarter of 2025 at $130.7 million, which translates to $0.92 per diluted share. Here's the quick math: that's a significant jump from the $95.3 million earned in the same quarter of 2024.

The core of a bank's revenue is Net Interest Income (NII), which is essentially the profit from lending money at a higher rate than they pay out on deposits. UBSI's NII hit a record $280.1 million in Q3 2025, marking a 22% year-over-year increase. Total revenue for the quarter was $323.3 million, which also beat analyst expectations.

What this estimate hides is the impact of their strategic acquisition of Piedmont Bancorp, Inc. earlier in the year, plus the organic growth in specific regions. Loan growth was particularly robust in the Georgia, North Carolina, and Central Virginia markets, with annualized growth rates exceeding 20% in Q3 2025. Total deposits stand at roughly $26.88 billion, supporting a loan portfolio of about $24.2 billion.

A Leader in Stability and Returns

When you look at the regional banking landscape, United Bankshares, Inc. stands out not just for its size, but for its consistency. The company is currently ranked as the 43rd largest banking company in the U.S. by market capitalization, which puts them firmly in the top tier of financial services companies.

But the real mark of a leader is its commitment to shareholders. UBSI is one of only two major banking companies in the United States that can boast an increase in its dividend for at least 52 consecutive years. That kind of track record demonstrates a deeply ingrained financial discipline and unwavering commitment to capital return, which is rare in this industry. Furthermore, Forbes recognized their performance, listing them as #34 on America's Best Banks (2025). The combination of record earnings, strategic market expansion, and a half-century of dividend increases shows exactly why this company is a powerhouse. You should find out more below to understand why United Bankshares, Inc. is so successful.

United Bankshares, Inc. (UBSI) Mission Statement

The mission statement of United Bankshares, Inc. (UBSI) isn't just a boilerplate phrase; it's the blueprint for how the company operates and has managed to increase its dividend for 52 consecutive years. That's defintely a rare feat in the banking world. The core mission is straightforward: excellence in service to our employees, our customers, our shareholders and our communities. This commitment guides every major decision, from capital allocation to local branch staffing, ensuring a balanced focus across all key stakeholders.

You need to see how these principles translate into tangible results, especially when assessing a financial holding company with consolidated assets of approximately $33 billion as of September 30, 2025. The mission is what connects the bank's daily operations-like processing a mortgage or advising on wealth management-to its long-term vision of being one of the highest performing banking companies among the fifty largest in the United States. For a deeper dive into who is betting on this strategy, you should read Exploring United Bankshares, Inc. (UBSI) Investor Profile: Who's Buying and Why?

Delivering Superior Financial Products and Customer Service

The first core component is a relentless focus on the customer, which means providing superior financial products and services while building long-term relationships. You can see this commitment in the quality of their loan portfolio. A key indicator of prudent underwriting and high-quality clientele is the weighted average FICO score for all consumer-related loan sectors, which stood at approximately 758 as of the end of 2024. That's a strong credit profile.

This dedication to quality extends to their expansive physical footprint, operating through United Bank with over 240 offices across the Mid-Atlantic and Southeastern regions. They blend local decision-making with the insights and technology of a large financial institution. This approach helps them maintain their consistent ranking as a top-performing bank for customer trust. It's all about service, not just scale.

Creating Value for Shareholders Through Consistent Performance

For a financial analyst, the shareholder component of the mission is where the rubber meets the road. United Bankshares, Inc. is committed to creating value through consistent financial performance. The proof is in the numbers for the 2025 fiscal year. The company reported a net income of $130.7 million for the third quarter of 2025, with diluted earnings per share (EPS) of $0.92, which exceeded analyst expectations.

Here's the quick math on their dividend policy: the total dividends for 2025 reached $1.49 per share, up from $1.48 per share in 2024. This marks the 52nd consecutive annual increase, placing United Bankshares, Inc. in an exclusive club of major U.S. banking companies. Furthermore, management expects Fiscal Year 2025 net interest income (NII) to be in the range of $1.093 billion to $1.100 billion, demonstrating strong revenue guidance. That's how you define consistent return.

Supporting Employees and Community Economic Growth

The final pillar of the mission extends to the people who make the bank run-the employees-and the communities they serve. This commitment is about supporting the economic growth and well-being of their communities. They achieve this by actively participating in community initiatives and supporting local organizations, while also providing a rewarding work environment.

The stability of the company, backed by a history of safe and sound banking practices, is what allows them to be a reliable partner for decades. The focus on community banking means that the capital they deploy-the loans and financial services-directly supports local business and individual financial goals across their footprint. This local focus is a strategic advantage, fostering deep relationships that insulate them from some of the volatility faced by purely transactional national banks. They are growing to satisfy the continued demand for a bank that focuses on service.

United Bankshares, Inc. (UBSI) Vision Statement

You're looking for a clear map of what drives a major financial institution like United Bankshares, Inc. (UBSI) beyond the quarterly earnings reports, and honestly, it all boils down to their core directive. The company's vision is simple but powerful: to be one of the highest performing banking companies among the fifty largest in the United States. That's a clear ambition, and it's backed by a mission focused on service to four distinct groups, plus a trio of core values that keep the whole operation grounded.

This isn't just corporate-speak; it's a measurable target that informs capital allocation and strategic mergers. For us as analysts, this vision translates directly into a focus on efficiency, asset quality, and consistent shareholder returns, which is defintely what we've seen in their recent performance.

Achieving the Highest Performance in Banking

The vision of being a top-tier performer among the nation's largest banks is a high bar, and United Bankshares, Inc. maps its strategy to meet it with disciplined growth and strong capital management. Here's the quick math on their scale as of the 2025 fiscal year: the company reported consolidated assets of approximately $33.407 billion for the quarter ending September 30, 2025. That places them firmly in the league where performance is scrutinized at every turn.

Their focus on high performance is directly reflected in their earnings. For the third quarter of 2025 (3Q25), United Bankshares, Inc. announced net income of $130.7 million, translating to diluted earnings per share (EPS) of $0.92. Also, management's guidance for the full fiscal year 2025 projects net interest income (NII) to be in the range of $1.093 billion to $1.100 billion. That kind of revenue generation is the engine for their high-performance goal.

The company's capital position remains robust, too. As of 3Q25, their Total Equity to Total Assets ratio was 10.8%, a critical metric showing they are significantly above regulatory minimums and well-capitalized. High performance means safe, sound, and secure banking practices, not just chasing growth for its own sake.

Mission: Excellence in Service to Four Key Stakeholders

The mission statement-excellence in service to our employees, our customers, our shareholders and our communities-is the operational blueprint for the vision. It's a balanced scorecard approach, acknowledging that you can't achieve top-tier performance without satisfying all four groups. If you neglect one, the whole structure weakens.

For shareholders, this mission means one thing: consistent value creation. United Bankshares, Inc. has a remarkable track record here, increasing its dividend for 52 consecutive years, with total dividends for 2025 amounting to $1.49 per share. That's a powerful signal of financial stability and commitment.

The customer and community focus drives their regional strategy. With over 240 offices spanning Washington, D.C., Virginia, West Virginia, Maryland, North Carolina, South Carolina, Ohio, Pennsylvania, and Georgia, their service model is built on local decision-making, which is a huge competitive advantage over mega-banks. You can dive deeper into this relationship-centric model here: United Bankshares, Inc. (UBSI): History, Ownership, Mission, How It Works & Makes Money.

Core Values: Integrity, Teamwork, and Caring

The three core values-Integrity, Teamwork, and Caring-are the non-negotiables that govern how the mission is executed. In a financial services company, Integrity is the bedrock, especially after a period of market volatility. It's what builds the long-term trust that underpins their entire deposit base and lending portfolio.

Teamwork and Caring speak to the internal culture and the external customer experience. They know that if their employees aren't working together and treating customers with respect, the service model breaks down. This internal focus is a leading indicator for operational efficiency and lower turnover, which ultimately helps the bottom line.

• Integrity: Uphold the highest ethical standards.
• Teamwork: Collaborate to achieve company and customer goals.
• Caring: Show kindness and respect to all stakeholders.

What this estimate hides is the intangible value of that trust; it's not on the balance sheet, but it's a key reason why their Total Assets have grown to over $33 billion. A bank's reputation is its most valuable asset, and these values are the daily actions that protect it.

United Bankshares, Inc. (UBSI) Core Values

You're looking past the quarterly earnings reports to understand the bedrock of United Bankshares, Inc.'s (UBSI) long-term stability. Honestly, the bank's consistent performance-like its 52nd consecutive year of dividend increases-is not a fluke. It stems directly from a clear, four-part mission: excellence in service to customers, employees, shareholders, and communities, plus a non-negotiable commitment to integrity. We can map this mission to five core values that drive every major decision in the 2025 fiscal year.

Here's the quick math on why this matters: a strong culture of integrity and service directly translates to lower risk and higher retention, which supports the approximately $33 billion in consolidated assets reported as of June 30, 2025. This isn't just corporate jargon; it's a risk-mitigation strategy.

Shareholder Value and Financial Discipline

Creating value for investors is a core promise, and United Bankshares delivers with a focus on consistent returns and disciplined capital management. The most tangible evidence of this commitment in 2025 is the dividend. The total annual dividend for 2025 is $1.49 per share, marking the 52nd consecutive year of increasing the payout. That's a defintely reliable track record.

In November 2025, the Board approved a new stock repurchase plan authorizing the buyback of up to 5 million shares of common stock, which represents about 3.6% of total outstanding shares. This action signals management's confidence and provides a direct return to shareholders. Plus, the company reported record earnings for the second quarter of 2025 of $120.7 million, or $0.85 per diluted share, showing that growth and profitability remain strong drivers. You can dive deeper into these performance metrics right here: Breaking Down United Bankshares, Inc. (UBSI) Financial Health: Key Insights for Investors.

Excellence in Service (Customer Focus)

The bank's commitment to service is about making banking accessible and responsive, not just selling products. This means investing in technology and human capital to meet diverse customer needs across its over 240 offices.

• Provide service in over 170 languages on demand through a call center partnership.
• Ensure accessibility with United Bank ATMs offering services in Spanish and being ADA-compliant.
• Focus on relationship-based banking, which helps drive noninterest income, expected to be in the range of $125 million to $135 million for the full fiscal year 2025.

This focus on service quality is how they maintain a strong deposit base and a competitive advantage in the Mid-Atlantic and Southeastern markets.

Commitment to Employees

A bank is only as good as its people, and United Bankshares recognizes that by investing heavily in its workforce of approximately 2,600 employees. The company's compensation philosophy ensures that internal pay ranges all exceed local minimum wage requirements, which is a clear, ethical floor for their compensation structure.

The repurchase of shares, mentioned earlier, is directly tied to this value, as the repurchased stock is available to fund employee benefit programs. Furthermore, the increase in noninterest expense for the second quarter of 2025 included a $4.4 million rise in employee compensation, demonstrating a tangible investment in the team. They offer a comprehensive Employee Assistance Program (EAP) to support the physical, mental, and social well-being of their staff and their families.

Integrity and Disciplined Risk Management

Integrity in finance boils down to sound underwriting and transparent risk management. This is where United Bankshares' conservative approach truly shines. The bank maintains a culture of disciplined risk management and expense control, which is essential in a volatile economic climate.

The quality of the loan book reflects this discipline:

• The weighted average FICO score for all consumer-related loan sectors is approximately 758.
• Non-owner occupied office loans, a major concern for many banks, make up less than 5% of the total loan portfolio.
• Critically, the bank has zero office exposure in the Central Business District (CDB) of Washington, D.C., a market segment that has seen significant stress.

This careful underwriting is why the provision for credit losses for the second quarter of 2025 remained a manageable $5.9 million. They don't chase yield at the expense of quality.

Community Support and Responsibility

The final core value is the commitment to the communities they serve across their footprint. This goes beyond simple charity and focuses on economic viability and financial literacy. In their corporate responsibility efforts, United Bankshares actively supports community lending and partners with non-profit organizations.

While specific 2025 donation totals are often released later in the year, the bank's commitment to environmental and social impact is quantifiable. For example, their 2024 initiatives, which set the tone for 2025, included over $1.5 million in facility upgrades expected to lower energy and water use. They also originated $13,299,103 in electric/hybrid auto loans in 2024, directly supporting local transitions to sustainable transportation. This shows they are putting capital behind their commitment to local economic and environmental health.