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United Bankshares (UBSI) Financials

United Bankshares logo
$43.41 -0.31 (-0.71%)
Closing price 04:00 PM Eastern
Extended Trading
$43.42 +0.01 (+0.02%)
As of 05:02 PM Eastern
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Annual Income Statements for United Bankshares

Annual Income Statements for United Bankshares

This table shows United Bankshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 138 147 151 256 260 289 368 380 366 373 465
Consolidated Net Income / (Loss)		 138 147 151 256 260 289 368 380 366 373 465
Net Income / (Loss) Continuing Operations		 138 147 151 256 260 289 368 380 366 373 465
Total Pre-Tax Income 		203 223 285 327 324 360 463 476 464 465 583
Total Revenue		 458 495 681 717 728 1,045 1,021 1,050 1,055 1,035 1,237
Net Interest Income / (Expense)		 384 425 549 589 578 690 743 896 920 911 1,102
Total Interest Income		 424 470 624 718 763 798 795 1,002 1,401 1,502 1,686
Loans and Leases Interest Income		 388 431 566 637 667 722 724 865 1,203 1,303 1,480
Investment Securities Interest Income		 34 36 42 62 74 67 62 114 151 133 112
Federal Funds Sold and Securities Borrowed Interest Income		 1.65 3.50 16 19 21 9.78 8.73 23 47 66 94
Total Interest Expense		 40 45 75 129 185 109 52 106 481 591 584
Deposits Interest Expense		 28 29 50 92 136 79 42 80 391 540 554
Short-Term Borrowings Interest Expense		 0.83 1.58 1.58 2.25 2.35 1.03 0.69 1.79 6.45 7.97 5.80
Long-Term Debt Interest Expense		 11 14 24 35 47 29 10 24 84 43 23
Total Non-Interest Income		 74 70 132 129 150 355 278 153 135 124 135
Other Service Charges		 49 1.34 2.04 1.77 1.33 8.92 18 17 25 17 7.19
Net Realized & Unrealized Capital Gains on Investments		 0.16 0.28 5.58 0.15 0.18 5.38 2.68 0.78 -7.65 -7.72 11
Other Non-Interest Income		 5.56 68 124 127 149 340 258 136 118 115 117
Provision for Credit Losses		 23 25 28 22 21 107 -24 19 31 25 54
Total Non-Interest Expense		 232 248 367 368 383 578 582 555 560 545 600
Salaries and Employee Benefits		 115 122 201 201 210 324 334 288 279 288 306
Net Occupancy & Equipment Expense		 48 51 71 74 71 98 99 104 106 105 117
Property & Liability Insurance Claims		 8.37 8.55 7.05 11 8.07 10 8.35 12 30 20 17
Other Operating Expenses		 60 66 88 82 93 136 128 143 140 129 159
Impairment Charge		 0.05 - - 0.27 0.42 9.43 12 7.10 5.60 2.69 0.00
Other Special Charges		 - - - - - 1.97 0.05 0.70 -0.06 -0.08 -0.15
Income Tax Expense		 66 76 134 71 64 71 95 96 97 92 119
Basic Earnings per Share		 $1.99 $2.00 $1.54 $2.46 $2.55 $2.40 $2.84 $2.81 $2.72 $2.76 $3.28
Weighted Average Basic Shares Outstanding		 69.33M 73.53M 97.50M 104.02M 101.59M 120.02M 129.28M 134.78M 134.51M 134.95M 141.50M
Diluted Earnings per Share		 $1.98 $1.99 $1.54 $2.45 $2.55 $2.40 $2.83 $2.80 $2.71 $2.75 $3.27
Weighted Average Diluted Shares Outstanding		 69.63M 73.89M 97.89M 104.30M 101.85M 120.09M 129.51M 135.12M 134.75M 135.23M 141.83M
Weighted Average Basic & Diluted Shares Outstanding		 69.30M 73.50M 97.80M 104.20M 101.57M 128.98M 136.52M 134.75M 134.95M 143.21M 139.42M
Cash Dividends to Common per Share		 $1.29 $1.32 $1.33 $1.36 $1.37 $1.40 $1.41 $1.44 $1.45 $1.48 $1.49

Quarterly Income Statements for United Bankshares

This table shows United Bankshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 100 96 72 87 97 95 88 84 121 131 129
Consolidated Net Income / (Loss)		 92 96 79 87 97 95 94 84 121 131 129
Net Income / (Loss) Continuing Operations		 100 96 72 87 97 95 88 84 121 131 129
Total Pre-Tax Income 		116 121 104 108 115 120 121 107 152 164 160
Total Revenue		 270 262 255 255 256 262 255 290 306 323 318
Net Interest Income / (Expense)		 227 228 230 222 226 230 233 260 275 280 287
Total Interest Income		 346 357 369 369 374 383 376 404 421 431 430
Loans and Leases Interest Income		 294 308 321 321 326 332 324 352 371 378 379
Investment Securities Interest Income		 39 37 37 36 35 32 30 28 28 29 27
Federal Funds Sold and Securities Borrowed Interest Income		 13 12 12 12 13 19 22 24 23 24 23
Total Interest Expense		 118 128 139 147 148 152 143 144 147 151 143
Deposits Interest Expense		 92 109 122 128 132 143 136 136 139 143 136
Short-Term Borrowings Interest Expense		 1.49 1.81 2.00 2.08 2.21 2.05 1.63 1.45 1.49 1.42 1.44
Long-Term Debt Interest Expense		 25 18 15 16 14 7.11 6.11 5.85 6.02 5.98 5.55
Total Non-Interest Income		 35 34 34 32 30 32 29 30 31 43 31
Other Service Charges		 12 2.97 5.98 2.98 2.74 9.03 1.94 0.62 2.10 2.39 2.08
Net Realized & Unrealized Capital Gains on Investments		 - - - -0.10 -0.22 -6.72 - 0.52 0.43 10 -0.22
Other Non-Interest Income		 30 31 27 29 28 30 28 28 29 30 29
Provision for Credit Losses		 11 5.95 6.88 5.74 5.78 6.94 6.69 29 5.89 12 6.78
Total Non-Interest Expense		 135 135 152 141 135 135 134 154 148 147 152
Salaries and Employee Benefits		 71 72 68 74 71 72 72 74 76 79 77
Net Occupancy & Equipment Expense		 27 26 26 27 26 27 26 30 29 29 30
Property & Liability Insurance Claims		 4.57 4.60 17 6.46 5.06 4.34 3.88 4.73 4.53 4.35 3.42
Other Operating Expenses		 32 31 41 33 32 33 32 45 38 35 42
Other Special Charges		 0.02 0.09 -0.13 -0.08 0.03 -0.03 0.01 -0.01 0.02 0.00 -0.15
Income Tax Expense		 23 25 25 21 19 25 27 23 31 34 31
Basic Earnings per Share		 $0.68 $0.71 $0.60 $0.64 $0.71 $0.70 $0.71 $0.59 $0.85 $0.92 $0.92
Weighted Average Basic Shares Outstanding		 134.68M 134.69M 134.51M 134.81M 135.14M 135.16M 134.95M 142.33M 142.21M 141.55M 141.50M
Diluted Earnings per Share		 $0.68 $0.71 $0.59 $0.64 $0.71 $0.70 $0.70 $0.59 $0.85 $0.92 $0.91
Weighted Average Diluted Shares Outstanding		 134.85M 134.89M 134.75M 135.12M 135.31M 135.50M 135.23M 142.70M 142.44M 141.96M 141.83M
Weighted Average Basic & Diluted Shares Outstanding		 134.94M 134.93M 134.95M 135.20M 135.22M 135.22M 143.21M 142.06M 141.65M 140.42M 139.42M

Annual Cash Flow Statements for United Bankshares

This table details how cash moves in and out of United Bankshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 104 577 232 -646 -183 1,372 1,549 -2,582 422 693 250
Net Cash From Operating Activities		 175 171 254 294 152 140 610 761 435 445 499
Net Cash From Continuing Operating Activities		 175 171 254 294 152 140 610 761 435 445 499
Net Income / (Loss) Continuing Operations		 138 147 151 256 260 289 368 380 366 373 465
Consolidated Net Income / (Loss)		 138 147 151 256 260 289 368 380 366 373 465
Provision For Loan Losses		 23 25 28 22 21 107 -24 19 31 25 54
Depreciation Expense		 0.75 -8.72 -22 10 9.33 13 17 18 17 16 17
Amortization Expense		 4.38 5.16 3.31 -27 -22 -17 4.05 19 21 9.96 -14
Non-Cash Adjustments to Reconcile Net Income		 -0.42 17 73 19 -116 -291 213 294 0.79 7.98 15
Changes in Operating Assets and Liabilities, net		 9.66 -15 20 13 -0.86 39 32 31 -1.36 14 -37
Net Cash From Investing Activities		 -185 31 267 -873 -383 138 16 -3,448 39 571 -899
Net Cash From Continuing Investing Activities		 -185 31 267 -873 -383 138 16 -3,448 39 571 -899
Purchase of Property, Leasehold Improvements and Equipment		 -5.26 -7.27 -14 -5.78 -11 -19 -15 -17 -12 -12 -18
Acquisitions		 - - - - - - - - 0.00 0.00 77
Purchase of Investment Securities		 -405 -565 -467 -1,367 -902 -1,356 -723 -4,042 -1,089 -2,518 -3,243
Sale of Property, Leasehold Improvements and Equipment		 0.87 0.55 0.02 8.40 0.25 4.35 1.62 0.90 2.54 0.10 1.44
Sale and/or Maturity of Investments		 224 603 748 491 529 1,508 752 610 1,137 3,102 2,283
Net Cash From Financing Activities		 115 375 -289 -67 48 1,094 924 105 -52 -324 650
Net Cash From Continuing Financing Activities		 115 375 -289 -67 48 1,094 924 105 -52 -324 650
Net Change in Deposits		 298 484 -314 165 -142 2,856 1,249 -1,044 517 1,143 994
Issuance of Debt		 705 795 815 950 1,498 500 500 1,900 1,500 250 0.00
Repayment of Debt		 -807 -1,020 -673 -931 -1,135 -2,079 -638 -488 -1,875 -1,520 -8.09
Repurchase of Common Equity		 0.00 0.00 -0.00 -101 -36 -21 -11 -79 -1.38 -1.04 -127
Payment of Dividends		 -89 -96 -121 -142 -139 -163 -181 -193 -195 -201 -209
Other Financing Activities, Net		 7.87 13 4.62 1.50 1.27 1.24 5.21 10 1.75 5.27 0.75
Cash Interest Paid		 40 45 73 125 183 115 55 98 468 591 582
Cash Income Taxes Paid		 52 62 73 55 56 65 101 94 105 86 114

Quarterly Cash Flow Statements for United Bankshares

This table details how cash moves in and out of United Bankshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 -226 -508 415 134 126 50 383 318 -295 204 24
Net Cash From Operating Activities		 65 90 163 124 61 124 136 120 89 151 139
Net Cash From Continuing Operating Activities		 - - 435 0.00 - - 445 136 0.40 0.53 362
Net Income / (Loss) Continuing Operations		 - - 366 0.00 - - 373 0.00 - - 465
Non-Cash Adjustments to Reconcile Net Income		 - - - - - - - 136 0.40 0.53 -122
Net Cash From Investing Activities		 265 -68 -250 -2.43 223 185 166 -19 -255 -403 -223
Net Cash From Continuing Investing Activities		 265 -68 -250 -2.43 223 185 166 -19 -255 -400 -225
Purchase of Property, Leasehold Improvements and Equipment		 -3.28 -1.76 -3.21 -4.77 -2.97 -1.59 -2.80 -3.90 -4.17 -4.22 -5.43
Purchase of Investment Securities		 -302 168 -839 -461 -638 -710 -708 -683 -585 -1,077 -898
Sale of Property, Leasehold Improvements and Equipment		 - 0.04 0.03 0.06 0.03 0.00 0.00 0.00 0.36 1.08 0.00
Sale and/or Maturity of Investments		 570 -234 593 464 864 898 877 591 334 680 679
Net Cash From Financing Activities		 -556 -530 502 12 -158 -259 81 217 -130 456 107
Net Cash From Continuing Financing Activities		 -556 -530 502 12 -158 -259 81 217 -114 448 100
Net Change in Deposits		 85 307 143 101 147 762 134 297 -29 548 177
Repayment of Debt		 6.65 -16 35 -1,488 -4.21 -22 -5.88 -10 - -21 22
Repurchase of Common Equity		 -0.00 -0.01 - -1.03 -0.00 -0.01 - -20 -33 -27 -48
Payment of Dividends		 -49 -49 -49 -50 -50 -50 -50 -50 -53 -53 -52
Other Financing Activities, Net		 0.00 0.01 0.17 0.70 0.12 0.71 3.74 0.32 0.01 0.04 0.39

Annual Balance Sheets for United Bankshares

This table presents United Bankshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 12,578 14,509 19,059 19,250 19,662 26,184 29,329 29,489 29,926 30,024 33,660
Cash and Due from Banks		 137 175 197 188 185 297 283 294 257 241 248
Federal Funds Sold		 0.72 0.73 0.79 0.80 0.82 0.82 0.93 1.08 1.17 1.27 1.36
Interest Bearing Deposits at Other Banks		 720 1,258 1,469 832 651 1,911 3,474 881 1,341 2,050 2,293
Trading Account Securities		 1,116 1,301 2,175 2,607 2,835 3,684 4,561 4,607 3,853 3,026 3,126
Loans and Leases, Net of Allowance		 9,308 10,268 12,935 13,353 13,635 17,356 17,808 20,323 21,100 21,402 24,412
Loans and Leases		 9,384 10,341 13,011 13,430 13,712 17,591 18,024 20,558 21,359 21,673 24,709
Allowance for Loan and Lease Losses		 76 73 77 77 77 236 216 235 259 272 298
Premises and Equipment, Net		 73 76 105 95 97 176 197 199 191 186 209
Goodwill		 710 864 1,478 1,478 1,478 1,797 1,886 1,889 1,889 1,889 2,019
Other Assets		 513 565 700 695 780 963 1,119 1,294 1,296 1,228 1,352
Total Liabilities & Shareholders' Equity		 12,578 14,509 19,059 19,250 19,662 26,184 29,329 29,489 29,926 30,024 33,660
Total Liabilities		 10,865 12,273 15,818 15,999 16,298 21,887 24,610 24,973 25,155 25,030 28,164
Non-Interest Bearing Deposits		 2,700 3,172 4,295 4,417 4,621 7,405 7,497 7,200 6,149 6,135 6,574
Interest Bearing Deposits		 6,642 7,625 9,536 9,578 9,231 13,180 15,854 15,103 16,670 17,826 20,487
Short-Term Debt		 342 237 311 153 125 142 129 161 196 176 199
Long-Term Debt		 1,074 1,122 1,514 1,674 2,088 864 817 2,198 1,789 540 532
Other Long-Term Liabilities		 86 95 146 152 233 295 314 312 351 352 373
Total Equity & Noncontrolling Interests		 1,713 2,236 3,241 3,252 3,364 4,298 4,719 4,516 4,771 4,993 5,496
Total Preferred & Common Equity		 1,713 2,236 3,241 3,252 3,364 4,298 4,719 4,516 4,771 4,993 5,496
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,713 2,236 3,241 3,252 3,364 4,298 4,719 4,516 4,771 4,993 5,496
Common Stock		 927 1,408 2,392 2,398 2,404 3,229 3,503 3,524 3,537 3,553 3,846
Retained Earnings		 825 873 892 1,013 1,133 1,205 1,391 1,575 1,746 1,918 2,170
Treasury Stock		 -0.82 -0.98 -1.01 -102 -138 -159 -171 -250 -252 -253 -381
Accumulated Other Comprehensive Income / (Loss)		 -38 -45 -42 -57 -35 22 -4.89 -333 -260 -224 -139

Quarterly Balance Sheets for United Bankshares

This table presents United Bankshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 29,048 30,182 29,695 29,225 30,029 29,957 29,863 32,788 32,783 33,407
Cash and Due from Banks		 322 310 304 270 238 241 278 287 327 268
Federal Funds Sold		 1.07 1.11 1.12 1.16 1.19 1.21 1.25 1.30 1.31 1.35
Interest Bearing Deposits at Other Banks		 1,033 1,608 1,387 913 1,493 1,616 1,630 2,322 1,986 2,250
Trading Account Securities		 4,866 4,496 4,106 3,819 3,668 3,394 3,296 3,054 3,134 3,084
Loans and Leases, Net of Allowance		 19,480 20,372 20,514 20,843 21,257 21,331 21,351 23,553 23,742 24,220
Loans and Leases		 19,700 20,612 20,764 21,098 21,520 21,599 21,622 23,863 24,050 24,520
Allowance for Loan and Lease Losses		 220 240 251 255 263 267 271 310 308 300
Premises and Equipment, Net		 199 196 194 192 191 190 187 210 209 208
Goodwill		 1,889 1,889 1,889 1,889 1,889 1,889 1,889 2,024 2,019 2,019
Other Assets		 1,258 1,311 1,299 1,299 1,291 1,294 1,231 1,338 1,365 1,358
Total Liabilities & Shareholders' Equity		 29,048 30,182 29,695 29,225 30,029 29,957 29,863 32,788 32,783 33,407
Total Liabilities		 24,608 25,576 25,058 24,576 25,221 25,101 24,895 27,474 27,419 27,961
Non-Interest Bearing Deposits		 7,619 6,708 6,451 6,253 6,017 5,932 6,038 6,481 6,627 6,588
Interest Bearing Deposits		 15,245 15,577 15,919 16,424 16,902 17,135 17,790 19,884 19,709 20,296
Short-Term Debt		 142 170 177 188 208 204 182 176 161 169
Long-Term Debt		 1,297 2,788 2,188 1,389 1,739 1,490 540 551 551 531
Other Long-Term Liabilities		 305 333 323 322 354 341 345 383 371 378
Total Equity & Noncontrolling Interests		 4,440 4,607 4,637 4,649 4,807 4,857 4,968 5,314 5,365 5,446
Total Preferred & Common Equity		 4,440 4,607 4,637 4,649 4,807 4,857 4,968 5,314 5,365 5,446
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 4,440 4,607 4,637 4,649 4,807 4,857 4,968 5,314 5,365 5,446
Common Stock		 3,519 3,527 3,531 3,534 3,540 3,543 3,547 3,835 3,838 3,842
Retained Earnings		 1,524 1,625 1,669 1,716 1,782 1,829 1,874 1,949 2,017 2,095
Treasury Stock		 -250 -252 -252 -252 -253 -253 -253 -274 -307 -333
Accumulated Other Comprehensive Income / (Loss)		 -352 -294 -311 -349 -261 -261 -199 -195 -184 -158

Annual Metrics And Ratios for United Bankshares

This table displays calculated financial ratios and metrics derived from United Bankshares' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.99 $2.00 $1.54 $2.46 $2.55 $2.40 $2.84 $2.81 $2.72 $2.76 $3.28
Adjusted Weighted Average Basic Shares Outstanding		 69.33M 73.53M 97.50M 104.02M 101.59M 120.02M 129.28M 134.78M 134.51M 134.95M 141.50M
Adjusted Diluted Earnings per Share		 $1.98 $1.99 $1.54 $2.45 $2.55 $2.40 $2.83 $2.80 $2.71 $2.75 $3.27
Adjusted Weighted Average Diluted Shares Outstanding		 69.63M 73.89M 97.89M 104.30M 101.85M 120.09M 129.51M 135.12M 134.75M 135.23M 141.83M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 69.63M 81.05M 105.04M 102.10M 101.57M 128.98M 136.52M 134.75M 134.95M 143.21M 139.42M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for United Bankshares

This table displays calculated financial ratios and metrics derived from United Bankshares' official financial filings.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.68 $0.71 $0.60 $0.64 $0.71 $0.70 $0.71 $0.59 $0.85 $0.92 $0.92
Adjusted Weighted Average Basic Shares Outstanding		 134.68M 134.69M 134.51M 134.81M 135.14M 135.16M 134.95M 142.33M 142.21M 141.55M 141.50M
Adjusted Diluted Earnings per Share		 $0.68 $0.71 $0.59 $0.64 $0.71 $0.70 $0.70 $0.59 $0.85 $0.92 $0.91
Adjusted Weighted Average Diluted Shares Outstanding		 134.85M 134.89M 134.75M 135.12M 135.31M 135.50M 135.23M 142.70M 142.44M 141.96M 141.83M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 134.94M 134.93M 134.95M 135.20M 135.22M 135.22M 143.21M 142.06M 141.65M 140.42M 139.42M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Financials Breakdown Chart

Key Financial Trends

Here are the key trends for United Bankshares (UBSI) based on the last four years of quarterly statements. The focus is on comparative year-over-year progress, sequential quarterly shifts, and notable balance sheet and cash flow movements.

  • Total revenue in Q4 2025 was 318,393,000, up about 25% from 255,211,000 in Q4 2024, signaling a stronger topline year over year.
  • Net income to common shareholders rose to 128,828,000 in Q4 2025 from 120,721,000 in Q4 2024 (roughly +6.7% YoY).
  • Net interest income increased to 287,457,000 in Q4 2025, about 24% higher than 232,608,000 in Q4 2024, pointing to stronger core banking earnings.
  • Loans and leases, net of allowance grew to about 24.22B in Q3 2025, up from roughly 23.75B in Q2 2025 and 23.56B in Q1 2025, indicating ongoing loan portfolio expansion.
  • Balance sheet expansion and funding stability shows total assets rising to about 33.41B by Q3 2025 (vs ~32.78B in Q2 2025) and deposits around 26.88B in that period, suggesting a stronger footprint and stable funding.
  • Cash flow from operations remained solid, with net cash from continuing operating activities in Q4 2025 of 362,104,000, underscoring ongoing cash generation.
  • Dividend per share remained at 0.36 in Q4 2025, providing a stable income stream for shareholders.
  • Sequential revenue trend shows a modest dip from 323.3M in Q3 2025 to 318.4M in Q4 2025, indicating some seasonality but a relatively narrow gap.
  • Non-interest income variability dipped in Q4 2025 (30.9M) versus Q3 2025 (43.2M), reflecting volatility outside the core lending/fee business.
  • Provision for credit losses rose to 12.1M in Q4 2025, signaling a more cautious loan-loss stance that could weigh on near-term earnings.

Notes: All figures are in USD and reflect quarterly results as reported. The bullets above draw from the provided quarterly data (cash flow, income statement, and balance sheet) for UBSI over the last four years, focusing on notable year-over-year improvements, balance sheet growth, and any near-term headwinds from provisioning and non-interest income volatility.

05/07/26 06:45 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About United Bankshares' Financials

When does United Bankshares' fiscal year end?

According to the most recent income statement we have on file, United Bankshares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

How has United Bankshares' net income changed over the last 10 years?

United Bankshares' net income appears to be on an upward trend, with a most recent value of $464.60 million in 2025, rising from $137.96 million in 2015. The previous period was $373.00 million in 2024. View United Bankshares' forecast to see where analysts expect United Bankshares to go next.

How has United Bankshares' revenue changed over the last 10 years?

Over the last 10 years, United Bankshares' total revenue changed from $457.75 million in 2015 to $1.24 billion in 2025, a change of 170.3%.

How much debt does United Bankshares have?

United Bankshares' total liabilities were at $28.16 billion at the end of 2025, a 12.5% increase from 2024, and a 159.2% increase since 2015.

How much cash does United Bankshares have?

In the past 10 years, United Bankshares' cash and equivalents has ranged from $136.69 million in 2015 to $297.37 million in 2020, and is currently $247.61 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:UBSI last updated on 3/4/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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