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what it is
It takes deposits, makes loans, and sells banking services to people and businesses.
how it gets paid
FY 2025 total revenue ~$1.82B in third-party summaries of the filing— tie the exact definition to the 10-K (NII + non-interest and other lines).
why it's growing
FY 2025 vs. FY 2024 revenue growth is ~high-teens % in common data feeds— ignore triple-digit YoY unless you are comparing distorted pre-/post-deal bases on purpose.
what just happened
Q4 2025 revenue ~$318M (~21% YoY) and diluted EPS ~$0.91 (recaps)— not ~$430M.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
90/100 earnings predictability — you can trust these numbers
13.5x trailing p/e — the market's not buying it — or you found a deal
3.9% dividend yield — cash in your pocket every quarter
~$3.27 FY2025 diluted EPS (reported)
xvary composite: 62/100 — average
What they do
It takes deposits, makes loans, and sells banking services to people and businesses.
United runs a ~$1.8B-revenue franchise with thousands of employees post-deals (Piedmont closed Jan 2025). The net interest spread is still the core game— switching banks remains paperwork, not pleasure.
How they make money
~$1.82B
FY 2025 revenue (recap of filing) · YoY growth ~high-teens % vs. FY 2024 in common feeds
total revenue (FY)
~$1.82B
~+17%
The products that matter
business and consumer lending
Commercial lending
~$1.1B FY net interest income (recaps)
NII is the core engine— Q4 2025 NII ~$287M (~24% YoY) in wire summaries. Use the 10-K for the exact FY bridge.
main profit driver
fees, trust, and service income
Non-interest income
~$135M FY non-interest income (recaps)
Fees and non-interest lines diversify away from pure spread— still smaller than NII; read fair-value and mortgage items in the filing.
diversifier
shareholder payout policy
Dividend
3.9% yield · 50-year streak
The dividend is not a product customers buy, but it is part of the stock's identity. A 50-year streak tells you management cares about payout stability, and that shapes capital allocation.
income hook
Key numbers
~$1.82B
FY 2025 revenue
Scale matters post-Piedmont— reconcile every headline to the 10-K revenue definition.
13.5x
trailing p/e
You pay 13.5 years of current earnings. That is not cheap, but it is not panic pricing either.
3.9%
dividend yield
This is cash back while you wait. On a $41.22 stock, the income stream matters.
$280M
long-term debt
Debt is 5% of capital. That keeps the balance sheet from looking like a small disaster.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 75 / 100
- long-term debt $280M (5% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for UBSI right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Q4 2025 revenue ~$318M and diluted EPS ~$0.91 (beat vs. some consensus lines in recaps).
YoY revenue growth for the quarter ~21% in third-party summaries— FY net income ~$465M and diluted EPS ~$3.27 for 2025 in headline recaps.
~$318M
Q4 revenue
~$0.91
Q4 diluted EPS
~21%
Q4 rev growth
the number that mattered
Getting Q4 revenue scale right (~$318M, not ~$430M) is the sanity check before you trust any “beat” narrative.
source: UBSI Q4 / FY 2025 recaps · financialcontent / StockStory · MarketScreener
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What could go wrong
Your #1 risk is post-acquisition profit normalization.
med
Post-acquisition profit normalization
FY 2025 net income ~$464.6M is a post-deal earnings base— if integration costs return or synergies fade, today’s multiple can look wrong fast.
This is the main risk because the current 13.5x multiple only looks cheap if the new earnings base holds.
med
Rate and spread pressure
Net interest income is $1.4B, or 82% of revenue. When that much of the business comes from spread income, funding costs and loan yields do not sit quietly in the background.
If the spread business weakens, the fee line is too small at $300M to carry the whole story.
med
Dividend commitment limits flexibility
A 3.9% yield and a 50-year streak are a selling point. They also create an expectation. In a rough patch, management has less room to keep everyone happy at once.
If profit cools after the acquisition anniversary, the payout debate moves from background noise to the main event.
82% of revenue comes from net interest income. If acquisition benefits fade while spread income slips, the $464.6M profit record stops looking like a floor and starts looking like the high mark.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
Net interest income
$1.4B is the number carrying the page. If that line weakens, the other positives do not matter as much.
trend
What growth looks like after the deal comps pass
292% revenue growth is acquisition math. The next clean comparison will tell you how much of the bigger bank is earning power and how much was one-time lift.
calendar
Next dividend declaration
The payout matters here more than it does for most stocks. Every new declaration reinforces the 50-year streak and the income case.
risk
Regional credit quality
This is a Mid-Atlantic and Southeast bank. If credit starts to soften in those markets, a spread-heavy model will feel it fast.
Analyst rankings
earnings predictability
90 / 100
In human-speak, the reported numbers usually do not whipsaw you.
risk rank
3
That puts UBSI in the safer half of the market, but not in the elite tier.
price stability
75 / 100
You are not signing up for a rollercoaster. You are signing up for a bank stock with a yield.
source: institutional data
Institutional activity
institutional ownership data for UBSI is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$41
current price
n/a
target midpoint · n/a from current
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