United Bankshares (NASDAQ:UBSI) Surprises With Q4 CY2025 Sales

The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how regional banks stocks fared in Q3, starting with Simmons First National .

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 98 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.

Thankfully, share prices of the companies have been resilient as they are up 9.3% on average since the latest earnings results.

Simmons First National

With roots dating back to 1903 and a presence across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, Simmons First National is a regional bank holding company that provides banking and financial services to individuals and businesses.

Simmons First National reported revenues of $236.3 million, up 12.7% year on year. This print exceeded analysts’ expectations by 1.2%. Despite the top-line beat, it was still a slower quarter for the company with EPS in line with analysts’ estimates and a miss of analysts’ tangible book value per share estimates.

Interestingly, the stock is up 7% since reporting and currently trades at $19.29.

Read our full report on Simmons First National here, it’s free for active Edge members.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with a solid beat of analysts’ net interest income estimates and an impressive beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 15.9% since reporting. It currently trades at $75.95.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue and net interest income estimates.

The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 10.8% since the results and currently trades at $68.84.

Read our full analysis of The Bancorp’s results here.

United Bankshares

With roots dating back to 1982 and a strong presence in the Mid-Atlantic region, United Bankshares is a bank holding company that provides commercial and retail banking services through its United Bank subsidiary across multiple states.

United Bankshares reported revenues of $313.7 million, up 19.4% year on year. This result beat analysts’ expectations by 1.8%. It was a strong quarter as it also recorded an impressive beat of analysts’ tangible book value per share estimates and a beat of analysts’ EPS estimates.

The stock is up 12.7% since reporting and currently trades at $39.94.

Read our full, actionable report on United Bankshares here, it’s free for active Edge members.

CVB Financial

With roots dating back to 1974 and a focus on serving small and medium-sized businesses, CVB Financial operates Citizens Business Bank, providing banking, lending, and trust services to businesses and individuals across California.

CVB Financial reported revenues of $131.3 million, up 1.6% year on year. This print met analysts’ expectations. Zooming out, it was a mixed quarter as it also logged a narrow beat of analysts’ tangible book value per share estimates but a narrow beat of analysts’ EPS estimates.

The stock is up 4.9% since reporting and currently trades at $19.54.

Read our full, actionable report on CVB Financial here, it’s free for active Edge members.

What Happened?

A number of stocks jumped in the afternoon session after comments from a key Federal Reserve official boosted hopes for an interest rate cut. New York Fed President John Williams stated that he sees “room for a further adjustment” for interest rates in the near term. Following his speech, traders increased their bets on a rate cut, with the probability of a December reduction jumping from around 39% to over 70%, according to data from CME Group. This optimism is particularly beneficial for homebuilders, as lower interest rates translate into more affordable mortgages for potential buyers, which could stimulate demand for new homes. The positive sentiment was also reflected in the bond market, where the yield on the 10-year Treasury, a benchmark for mortgage rates, eased following the comments.

The stock market overreacts to news, and big price drops can present good opportunities to buy high-quality stocks.

Among others, the following stocks were impacted:

• Regional Banks company KeyCorp jumped 3.6%. Is now the time to buy KeyCorp? Access our full analysis report here, it’s free for active Edge members.
• Thrifts & Mortgage Finance company Rocket Companies jumped 7.2%. Is now the time to buy Rocket Companies? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company United Bankshares jumped 4.6%. Is now the time to buy United Bankshares? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company Triumph Financial (NASDAQ:TFIN) jumped 5.9%. Is now the time to buy Triumph Financial? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company OceanFirst Financial jumped 5.7%. Is now the time to buy OceanFirst Financial? Access our full analysis report here, it’s free for active Edge members.

Zooming In On Rocket Companies (RKT)

Rocket Companies’s shares are extremely volatile and have had 40 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful but not something that would fundamentally change its perception of the business.

The biggest move we wrote about over the last year was 3 months ago when the stock gained 11% on the news that the major indices rebounded, as Fed Chair Jerome Powell delivered dovish remarks at the much-awaited Jackson Hole symposium. Powell suggested that with inflation risks moderating and unemployment remaining low, the Federal Reserve might consider a shift in its monetary policy stance, including potential interest rate cuts. This outlook eased market concerns about prolonged high interest rates and their impact on economic growth. The prospect of lower borrowing costs bolstered investor confidence, particularly in sectors that have lagged, leading to a broad rally across the market.

Rocket Companies is up 61% since the beginning of the year, but at $17.47 per share, it is still trading 17.4% below its 52-week high of $21.16 from September 2025. Investors who bought $1,000 worth of Rocket Companies’s shares 5 years ago would now be looking at an investment worth $860.54.