Thursday 3/27 Insider Buying Report: ORRF, UBSI
Insider Purchases: Director Scott V. Fainor of Orrstown Financial Services purchased 3,000 shares at $31.17 each, totaling $93,520, marking his first purchase in a year. Meanwhile, Director Sara Dumond of United Bankshares bought 2,600 shares for $91,026 at $35.01 each.
Market Performance: Both Orrstown Financial Services and United Bankshares are experiencing flat trading, with United Bankshares down approximately 0.5% on Thursday.
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United Bankshares Reports Record Earnings of $464.6 Million for 2025, Significant Shareholder Returns
- Record Earnings: United Bankshares achieved a net income of $464.6 million in 2025, translating to $3.27 per diluted share, representing a 24.5% increase from 2024, which significantly boosts shareholder confidence and reflects strong financial performance.
- Net Interest Income Growth: The bank's net interest income rose by $191.1 million, or 21%, in 2025, primarily driven by an increase in average earning assets and lower deposit rates, thereby strengthening the company's financial foundation.
- Strong Capital Ratios: As of December 31, 2025, United's risk-based capital ratio stood at 15.7%, well above regulatory requirements, demonstrating robust capital management and providing ample support for future expansion initiatives.
- Increase in Non-Interest Income: Non-interest income reached $135.2 million in 2025, a 9% year-over-year increase, largely due to higher net gains on investment securities, reflecting the company's successful strategy in diversifying its revenue streams.
United Bankshares (UBSI) Q4 EPS Beats Expectations with 21.6% Revenue Growth
- Earnings Beat: United Bankshares reported a Q4 GAAP EPS of $0.91, exceeding expectations by $0.05, which reflects the company's ongoing profitability enhancement and strengthens investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $318.39 million, a 21.6% year-over-year increase that not only surpassed expectations by $2.89 million but also indicates strong business expansion and market demand.
- Decrease in Credit Loss Provision: The provision for credit losses in Q4 was $6.8 million, significantly down from $12.1 million in Q3, suggesting an improvement in asset quality that could enhance future profitability.
- Positive Market Reaction: Given the earnings beat, United Bankshares' stock price is likely to react positively, with analysts maintaining an optimistic outlook on its future performance, believing the company has solid growth potential in the current economic environment.
S&P 500 Futures Drop in Pre-Market Trading; Cheniere Energy Partner and UMB Financial Take the Lead
Cheniere Energy Partners Performance: Cheniere Energy Partners L.P. (CQP) saw a 9.2% increase in pre-market trading.
UMB Financial Corp Performance: UMB Financial Corp. (UMBF) experienced a 4.3% rise in pre-market trading.
Upcoming Ex-Dividend Dates for New Jersey Resources, Acadian Asset Management, and United Bankshares
Upcoming Ex-Dividend Dates: New Jersey Resources Corp (NJR), Acadian Asset Management Inc (AAMI), and United Bankshares Inc (UBSI) will trade ex-dividend on 12/12/25, with respective dividends of $0.475, $0.01, and $0.38 payable on 1/2/26 and 12/24/25.
Expected Price Adjustments: Following the ex-dividend date, NJR shares are expected to open 1.06% lower, AAMI 0.02% lower, and UBSI 1.00% lower, based on their recent stock prices.
Dividend Yield Estimates: The estimated annualized yields for the companies are 4.22% for NJR, 0.09% for AAMI, and 3.99% for UBSI, indicating potential stability in their dividend payments.
Current Trading Performance: As of Wednesday trading, shares of NJR, AAMI, and UBSI have seen slight increases of approximately 0.9%, 0.8%, and 0.3%, respectively.
3 Stocks to Monitor That Increased Dividends During Market Turbulence
Market Volatility and Consumer Confidence: Wall Street is experiencing volatility due to high inflation and uncertainty regarding Federal Reserve rate cuts, with consumer confidence hitting record lows as the year ends.
Dividend-Paying Stocks as Investment Options: Investors are considering dividend-paying stocks like Orange County Bancorp, Dillard's, and United Bankshares for steady income amidst market fluctuations.
Federal Reserve's Interest Rate Decisions: The Federal Reserve has cut interest rates recently but faces challenges with high inflation, leading to uncertainty about future rate cuts.
Emergence of Quantum Computing: Quantum computing is rapidly advancing, with major tech companies integrating it into their infrastructure, presenting new investment opportunities in this emerging field.
United Bankshares reveals intention to buy back as many as 5 million shares of common stock.
Share Repurchase Announcement: United Bankshares (UBSI) plans to repurchase up to 5 million shares of common stock, representing approximately 3.6% of its total shares outstanding.
Recent Share Purchases: Between October 1, 2025, and November 20, 2025, UBSI bought 1,103,666 shares at a weighted average price of $35.99.
Stock Performance: Following the announcement, UBSI's shares increased by 4%, reaching a price of $37.34 on Friday.
Additional Information: The article includes references to UBSI's historical earnings data, dividend scorecard, and Seeking Alpha’s Quant Rating on the company.
United Bankshares Reports Record Earnings of $464.6 Million for 2025, Significant Shareholder Returns
- Record Earnings: United Bankshares achieved a net income of $464.6 million in 2025, translating to $3.27 per diluted share, representing a 24.5% increase from 2024, which significantly boosts shareholder confidence and reflects strong financial performance.
- Net Interest Income Growth: The bank's net interest income rose by $191.1 million, or 21%, in 2025, primarily driven by an increase in average earning assets and lower deposit rates, thereby strengthening the company's financial foundation.
- Strong Capital Ratios: As of December 31, 2025, United's risk-based capital ratio stood at 15.7%, well above regulatory requirements, demonstrating robust capital management and providing ample support for future expansion initiatives.
- Increase in Non-Interest Income: Non-interest income reached $135.2 million in 2025, a 9% year-over-year increase, largely due to higher net gains on investment securities, reflecting the company's successful strategy in diversifying its revenue streams.
United Bankshares (UBSI) Q4 EPS Beats Expectations with 21.6% Revenue Growth
- Earnings Beat: United Bankshares reported a Q4 GAAP EPS of $0.91, exceeding expectations by $0.05, which reflects the company's ongoing profitability enhancement and strengthens investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $318.39 million, a 21.6% year-over-year increase that not only surpassed expectations by $2.89 million but also indicates strong business expansion and market demand.
- Decrease in Credit Loss Provision: The provision for credit losses in Q4 was $6.8 million, significantly down from $12.1 million in Q3, suggesting an improvement in asset quality that could enhance future profitability.
- Positive Market Reaction: Given the earnings beat, United Bankshares' stock price is likely to react positively, with analysts maintaining an optimistic outlook on its future performance, believing the company has solid growth potential in the current economic environment.
S&P 500 Futures Drop in Pre-Market Trading; Cheniere Energy Partner and UMB Financial Take the Lead
Cheniere Energy Partners Performance: Cheniere Energy Partners L.P. (CQP) saw a 9.2% increase in pre-market trading.
UMB Financial Corp Performance: UMB Financial Corp. (UMBF) experienced a 4.3% rise in pre-market trading.
Upcoming Ex-Dividend Dates for New Jersey Resources, Acadian Asset Management, and United Bankshares
Upcoming Ex-Dividend Dates: New Jersey Resources Corp (NJR), Acadian Asset Management Inc (AAMI), and United Bankshares Inc (UBSI) will trade ex-dividend on 12/12/25, with respective dividends of $0.475, $0.01, and $0.38 payable on 1/2/26 and 12/24/25.
Expected Price Adjustments: Following the ex-dividend date, NJR shares are expected to open 1.06% lower, AAMI 0.02% lower, and UBSI 1.00% lower, based on their recent stock prices.
Dividend Yield Estimates: The estimated annualized yields for the companies are 4.22% for NJR, 0.09% for AAMI, and 3.99% for UBSI, indicating potential stability in their dividend payments.
Current Trading Performance: As of Wednesday trading, shares of NJR, AAMI, and UBSI have seen slight increases of approximately 0.9%, 0.8%, and 0.3%, respectively.
3 Stocks to Monitor That Increased Dividends During Market Turbulence
Market Volatility and Consumer Confidence: Wall Street is experiencing volatility due to high inflation and uncertainty regarding Federal Reserve rate cuts, with consumer confidence hitting record lows as the year ends.
Dividend-Paying Stocks as Investment Options: Investors are considering dividend-paying stocks like Orange County Bancorp, Dillard's, and United Bankshares for steady income amidst market fluctuations.
Federal Reserve's Interest Rate Decisions: The Federal Reserve has cut interest rates recently but faces challenges with high inflation, leading to uncertainty about future rate cuts.
Emergence of Quantum Computing: Quantum computing is rapidly advancing, with major tech companies integrating it into their infrastructure, presenting new investment opportunities in this emerging field.
United Bankshares reveals intention to buy back as many as 5 million shares of common stock.
Share Repurchase Announcement: United Bankshares (UBSI) plans to repurchase up to 5 million shares of common stock, representing approximately 3.6% of its total shares outstanding.
Recent Share Purchases: Between October 1, 2025, and November 20, 2025, UBSI bought 1,103,666 shares at a weighted average price of $35.99.
Stock Performance: Following the announcement, UBSI's shares increased by 4%, reaching a price of $37.34 on Friday.
Additional Information: The article includes references to UBSI's historical earnings data, dividend scorecard, and Seeking Alpha’s Quant Rating on the company.
