1. MARKETS
  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. UNITED BANKSHARES, INC.
United Bankshares, Inc.
XNAS: UBSI
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XNAS 05 Oct, 2026 5:30 PM (EDT)

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United Bankshares Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for United Bankshares Inc share price target, revenues, EPS, net income and more

United Bankshares Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue United Bankshares Inc Jun-2026 Quarterly Revenue is $323 Million which is growth of 5.8% YoY.

  • POSITIVE

    Quarterly Net Profit United Bankshares Inc Jun-2026 Quarterly Net Profit is $131 Million which is growth of 8.8% YoY.

United Bankshares, Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
323.2316318322.7305.4289261261.2254.3253.2262260.4260.4
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------84.276.675.3
Operating Profit
----------
⌄
-------------
Profit Before Tax
164.1156159.9164.5152.1106.9121.1119.9115.4108.2104.2120.9115.9
Tax
32.831.831.133.731.422.626.724.718.921.424.824.823.5
⌄
131.4124128.5130.5120.584.19595.196.386.880.195.992.5
Diluted NI Avail to Com Stockholders Ann.
131.4124128.5130.5120.584.19595.196.386.880.195.992.5
Basic EPS
10.90.90.90.90.60.70.70.70.60.60.70.7
Diluted EPS After ExtraOrdinary
10.90.90.90.90.60.70.70.70.60.60.70.7
Number Of Shares End
138139.6140.3141.6142.2142.3135.1135.2135.1134.8134.5134.7134.7
Net Income Continuing Discontinued Operations
131.4124.2128.8130.8120.784.394.495.396.586.879.496.292.5
Normalized Income
131.4124.2128.7130.8120.784.394.495.296.586.879.396.292.5
Interest Income
418.2415.9430.1431421.2403.7376382.7374.2369.2369.2356.9345.9
Interest
132.9133.4142.6150.8146.7143.6143.4152.5148.5146.7139.5128.5118.5
Net Interest Income
285.3282.5287.5280.1274.5260.1232.6230.3225.7222.5229.7228.5227.5
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
1.81.82.32.32.32.30.90.9-----
Profit From Continuing Operations
-------------
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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United Bankshares Inc competitor comparison and performance snapshot within industry

United Bankshares Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue United Bankshares Inc Dec-2025 Annual Revenue is $1,235 Million which is growth of 20.0% YoY.

  • POSITIVE

    Annual Net Profit United Bankshares Inc Dec-2025 Annual Net Profit is $465 Million which is growth of 24.6% YoY.

United Bankshares, Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
5.9%
3.7%
 1,235.11,029.71,047.51,0401,006.91,031.1726.5712.6678.8493.6456.2
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---481.4-105.6-52.4-108.6-184.6-129.1-74.8-45-39.5
Operating Profit Ann.
-
-
 --1,528.91,145.51,059.31,139.7911.2841.7753.6538.6495.8
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
7%
10.2%
644.5583.4464.6463.8475.8462.9359.7324.4327.2284.8222.7203.5
Tax Ann.
7.3%
10.9%
129.4118.891.697.596.295.170.764.370.8134.375.665.5
⌄
6.9%
10%
514.4463.6373366.3379.6366.7288.3259.5256.3150.6146.8137.7
Diluted NI Avail to Com Stockholders Ann.
6.9%
10%
514.4463.6373366.3379.6366.7288.3259.5256.3150.6146.8137.7
EPS Ann.
5.6%
6.6%
 3.32.82.72.82.82.42.62.51.522
Diluted EPS Ann.
5.6%
6.6%
 3.32.82.72.82.82.42.62.51.522
Number Of Shares End
1.5%
1.6%
 140.3135.1134.5134.3131129.4101.3102.9104.976.969.4
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
7%
10%
515.2464.6373366.3379.6367.7289260.1256.3150.6147.1138
Normalized Income Ann.
6.9%
9.5%
515.1464.5372.9366.3380.2367.8295.6264.2254.2150.6147.1138
Interest Income Ann.
18.9%
16.1%
1,695.11,685.91,502.11,401.31,002795.1798.4762.6717.7623.8470.3423.6
Interest Ann.
76.8%
40%
559.7583.7591.1481.4105.652.4108.6184.6129.174.84539.5
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-
-
8.4-13.110.423.123.77.9-16.4-20.5-21.1-21.6-8.70.8
Profit From Continuing Operations Ann.
7%
10%
 464.6373366.3379.6367.7289260.1256.3150.6147.1138
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
19.9%
2Y CAGR
8.6%
3Y CAGR
5.9%
5Y CAGR
3.7%
7Y CAGR
8.2%
10Y CAGR
10.5%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
24.6%
2Y CAGR
12.6%
3Y CAGR
7%
5Y CAGR
10%
7Y CAGR
8.9%
10Y CAGR
12.9%
Net Profit Annual growth is higher than historical averages.

United Bankshares Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund United Bankshares Inc Dec-2025 Total Shareholders Fund is $5,496 Million which is growth of 10.1% YoY.

  • POSITIVE

    Total Assets United Bankshares Inc Dec-2025 Total Assets is $33,660 Million which is growth of 12.1% YoY.

United Bankshares, Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
4.5%
5.2%
33,660.330,023.529,926.529,489.429,328.926,184.319,662.319,250.519,05914,508.912,577.9
⌄
4.1%
5.2%
28,164.325,030.325,155.224,973.224,610.321,886.616,298.515,998.915,818.412,273.210,865.3
⌄
6.8%
5%
5,4964,993.24,771.24,516.24,718.64,297.63,363.83,251.63,240.52,235.81,712.6
Total Capitalization Ann.
-3.5%
3.1%
6,027.85,533.66,560.36,713.95,5365,1625,451.94,925.74,754.53,357.82,787
Tangible Assets Ann.
10.1%
7%
3,477.13,104.32,877.82,606.32,8092,479.81,885.81,773.61,762.21,3721,002.4
Working Capital Ann.
-
-
--
Invested Capital Ann.
-3.5%
3.1%
6,027.85,533.66,560.36,713.95,5365,1625,451.94,925.74,754.53,357.82,787
Tangible Book Value Ann.
10.1%
7%
3,477.13,104.32,877.82,606.32,8092,479.81,885.81,773.61,762.21,3721,002.4
Borrowings Ann.
-34.9%
-7.7%
627.2627.21,8822,273.4904.1937.62,149.41,674.11,5141,1221,074.4
Net Debt Ann.
-
-
--191.31,022.1--1,251.4654.5--217.8
Share Issued Ann.
2%
2.4%
150.9142.7142.3142141.4133.8105.5105.2105.181.169.6
Number Of Shares End
1.5%
1.6%
140.3135.1134.5134.3131129.4101.3102.9104.976.969.4
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
12.1%
2Y CAGR
6.1%
3Y CAGR
4.5%
5Y CAGR
5.2%
7Y CAGR
8.3%
10Y CAGR
10.3%
Total Assets Annual growth is higher than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
10.1%
2Y CAGR
7.3%
3Y CAGR
6.8%
5Y CAGR
5%
7Y CAGR
7.8%
10Y CAGR
12.4%
Total ShareHolders Funds Annual growth is higher than historical averages.

United Bankshares Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share United Bankshares Inc Book Value Per Share is $40 which is growth of 6.9% YoY.

  • NEUTRAL

    ROE United Bankshares Inc ROE is 0% which is growth of 0% YoY.

United Bankshares, Inc., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.24%1.23%1.29%1.32%1.26%1.33%1.34%0.90%1.08%1.11%
ROE Ann. %
-
-
-7.64%7.89%8.22%8.13%7.53%7.85%7.90%5.50%7.44%8.18%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--145.96%110.15%105.20%110.53%125.41%118.11%111.02%109.12%108.66%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.10.40.50.20.20.60.50.50.50.6
*All financials are in USD Million and price data in USD
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United Bankshares Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity United Bankshares Inc Dec-2025 Cash From Operating Activity is $499 Million which is growth of 12.0% YoY.

  • NEGATIVE

    Net Cash Flow United Bankshares Inc Dec-2025 Net Cash Flow is $250 Million which is growth of -63.9% YoY.

United Bankshares, Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-13.1%
28.8%
498.9445.5435.2760.8609.5140.5147.7292.5253.9166.7178.3
⌄
-
-
-899.3571.539-3,447.715.7137.6-379.1-871.5266.731-189.7
⌄
83.5%
-9.9%
650.4-323.6-51.9105.3923.91,093.548.5-66.8-289379.5115.7
Cash Plus Cash Eqv. End Of Year Ann.
29.3%
2.8%
2,542.32,292.21,598.91,176.73,758.22,209.1837.51,020.41,666.21,434.5857.3
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-28.9%
250693.3422.3-2,581.51,549.11,371.6-182.9-645.8231.6577.2104.3
Cash Plus Cash Eqv. Begin Of Year Ann.
-15.2%
22.3%
2,292.21,598.91,176.73,758.22,209.1837.51,020.41,666.21,434.5857.3753.1
Income Tax Paid Supplemental Data Ann.
6.9%
11.9%
114.591.7106.193.7101.265.456.555.3-61.9-
Interest Paid Supplemental Data Ann.
80.9%
38.2%
581.6590.6468.198.254.6115.4182.6124.7-44.6-
Capex Ann.
-
-
-17.7-12.1-11.7-16.9-15.4-19-11.1-5.8-14.4-7.3-5.3
Issuance Of Capital Stock Ann.
-
-
-------199.9-
Issuance Of Debt Ann.
-20.6%
-29.9%
2501,5001,9005005001,475950815795705
Repayment Of Debt Ann.
-
-
-30.6-1,500-1,910.3-520-597.8-1,847-1,135-755-845.2-725.7-794.5
Repurchase Of Capital Stock Ann.
-
-
-127-1-1.4-79.5-11.2-21.3-35.7-100.7
Free Cash Flow Ann.
-13.5%
31.7%
481.2433.3423.6744594.2121.4136.6286.8239.6159.5173
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
12%
2Y CAGR
7.1%
3Y CAGR
-13.1%
5Y CAGR
28.8%
7Y CAGR
7.9%
10Y CAGR
10.8%
Cash from Operating Activity Annual growth is stable compared to historical averages.
Cash from Financing Act. Ann.
3Y CAGR
83.5%
5Y CAGR
-9.9%
10Y CAGR
18.8%
Cash from Financing Annual Activity growth is higher than historical averages.
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