United Bankshares, Inc.

NasdaqGS:UBSI Stock Report

Market Cap: US$5.1b

United Bankshares Past Earnings Performance

Past criteria checks 5/6

United Bankshares has been growing earnings at an average annual rate of 3.8%, while the Banks industry saw earnings growing at 3.4% annually. Revenues have been growing at an average rate of 1.4% per year. United Bankshares's return on equity is 7.9%, and it has net margins of 38.1%.

Key information

3.84%

Earnings growth rate

1.42%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate1.40%
Return on equity7.90%
Net Margin38.09%
Last Earnings Update30 Sep 2025

Recent past performance updates

Recent updates

United Bankshares (NASDAQ:UBSI) Is Paying Out A Dividend Of $0.37

Aug 28
United Bankshares (NASDAQ:UBSI) Is Paying Out A Dividend Of $0.37

United Bankshares: Credit Quality Still Looking Robust

Aug 16

United Bankshares: Not Budging, Even In Light Of Recent Developments

Mar 28

United Bankshares: Organic Growth Is The Issue For This Dividend King

Mar 20

United Bankshares' (NASDAQ:UBSI) Dividend Will Be $0.37

Feb 28
United Bankshares' (NASDAQ:UBSI) Dividend Will Be $0.37

United Bankshares: A Decent Dividend Stock But Limited Growth Potential

Jan 02

United Bankshares (NASDAQ:UBSI) Has Affirmed Its Dividend Of $0.37

Nov 30
United Bankshares (NASDAQ:UBSI) Has Affirmed Its Dividend Of $0.37

United Bankshares (NASDAQ:UBSI) Has Affirmed Its Dividend Of $0.37

Nov 14
United Bankshares (NASDAQ:UBSI) Has Affirmed Its Dividend Of $0.37

United Bankshares: High-Quality Income Name

Sep 18

United Bankshares: Expansion To Atlanta Looks Promising For This Dividend King

Jun 15

United Bankshares: Holding The Course

Mar 31

United Bankshares: Solid Dividend Payer To Own

Sep 14

United Bankshares declares $0.36 dividend

Aug 29

United Bankshares GAAP EPS of $0.71 beats by $0.09, revenue of $258.51M beats by $9.49M

Jul 28

United Bankshares: Normalization Of Provisioning And Mortgage Income To Undermine Top-Line Growth

Jul 14

United Bankshares: Asymmetric Risk-Reward With Increased Dividends

Mar 12

United Bankshares: Mortgage Banking Normalization To Counter Acquisition Benefits

Nov 02

Revenue & Expenses Breakdown

How United Bankshares makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:UBSI Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 251,1274294220
30 Jun 251,0713944120
31 Mar 251,0213704040
31 Dec 241,0103724020
30 Sep 241,0113573990
30 Jun 241,0123583990
31 Mar 241,0133544000
31 Dec 231,0243653940
30 Sep 231,0353863920
30 Jun 231,0443923910
31 Mar 231,0503953950
31 Dec 221,0313794010
30 Sep 221,0083534100
30 Jun 221,0023424170
31 Mar 221,0023424230
30 Sep 211,0693854420
30 Jun 211,1153974580
31 Mar 211,0713554650
31 Dec 209382884270
30 Sep 208432593840
30 Jun 207172223360
31 Mar 206872362940
31 Dec 197072602860
30 Sep 197022602800
30 Jun 196992592760
31 Mar 196922582760
31 Dec 186952562790
30 Sep 187052102820
30 Jun 187112022850
31 Mar 187001732830
31 Dec 176521502770
30 Sep 175961712330
30 Jun 175381562050
31 Mar 174821511780
31 Dec 164711471750
30 Sep 164561411730
30 Jun 164421351700
31 Mar 164381381690
31 Dec 154351381680
30 Sep 154401381660
30 Jun 154381361640
31 Mar 154351341630
31 Dec 144351301620

Quality Earnings: UBSI has high quality earnings.

Growing Profit Margin: UBSI's current net profit margins (38.1%) are higher than last year (35.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UBSI's earnings have grown by 3.8% per year over the past 5 years.

Accelerating Growth: UBSI's earnings growth over the past year (20.2%) exceeds its 5-year average (3.8% per year).

Earnings vs Industry: UBSI earnings growth over the past year (20.2%) exceeded the Banks industry 16.3%.

Return on Equity

High ROE: UBSI's Return on Equity (7.9%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/28 22:12
End of Day Share Price 2025/10/28 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

United Bankshares, Inc. is covered by 15 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullD.A. Davidson & Co.
null nullD.A. Davidson & Co.
Manuel NavasD.A. Davidson & Co.