United Bankshares, Inc. (UBSI)
NASDAQ: UBSI · Real-Time Price · USD
49.25
+0.78 (1.61%)
At close: Nov 4, 2026, 4:00 PM EST
48.25
-1.00 (-2.03%)
After-hours: Nov 4, 2026, 4:15 PM EST
United Bankshares Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Income on Loans | 1,490 | 1,480 | 1,303 | 1,203 | 864.58 | 724.49 |
Interest Income on Investments | 205.74 | 205.74 | 199.52 | 198.13 | 137.41 | 70.62 |
Total Interest Income | 1,696 | 1,686 | 1,502 | 1,401 | 1,002 | 795.12 |
Interest Paid on Deposits | 517.14 | 554.49 | 539.81 | 391.09 | 80.24 | 41.62 |
Interest Paid on Borrowings | 29.2 | 29.2 | 51.25 | 90.3 | 25.32 | 10.76 |
Total Interest Expense | 546.33 | 583.69 | 591.05 | 481.4 | 105.56 | 52.38 |
Net Interest Income | 1,150 | 1,102 | 911.07 | 919.92 | 896.43 | 742.73 |
Net Interest Income Growth | 9.76% | 20.97% | -0.96% | 2.62% | 20.69% | 7.68% |
Trust Income | 20.24 | 19.76 | 19.45 | 18.32 | 17.22 | 16.55 |
Mortgage Banking Activities | 8.75 | 9.57 | 25.02 | 40.34 | 51.93 | 181.3 |
Gain (Loss) on Sale of Investments | 4.48 | 11.17 | -7.72 | -7.65 | 0.78 | 2.68 |
Other Non-Interest Income | 61.27 | 55.66 | 49.77 | 47.17 | 42.79 | 38.91 |
Total Non-Interest Income | 134.35 | 135.15 | 123.7 | 135.26 | 153.26 | 278.13 |
Non-Interest Income Growth | 0.61% | 9.26% | -8.55% | -11.75% | -44.90% | -21.60% |
Revenues Before Loan Losses | 1,284 | 1,237 | 1,035 | 1,055 | 1,050 | 1,021 |
Provision for Loan Losses | 25.73 | 35.14 | 25.15 | 31.15 | 18.82 | -23.97 |
| 1,258 | 1,202 | 1,010 | 1,024 | 1,031 | 1,045 | |
Revenue Growth | 9.96% | 19.07% | -1.41% | -0.66% | -1.34% | 11.39% |
Salaries and Employee Benefits | 308.42 | 291.84 | 276.11 | 266.71 | 278.47 | 325.82 |
Occupancy Expenses | 31.26 | 29.95 | 25.9 | 46.43 | 45.13 | 42.03 |
Federal Deposit Insurance | 16.87 | 17.02 | 19.74 | 30.38 | 11.99 | 8.35 |
Selling, General & Administrative | 108.33 | 109.48 | 99.98 | 80.92 | 77.36 | 71.22 |
Other Non-Interest Expense | 157.97 | 145.42 | 122.8 | 134.49 | 139.3 | 128.48 |
Total Non-Interest Expense | 622.96 | 594.45 | 545.03 | 560.22 | 555.09 | 581.34 |
EBT Excluding Unusual Items | 635.2 | 607.73 | 464.58 | 463.81 | 475.78 | 463.5 |
Asset Writedown | - | - | - | - | - | -0.63 |
Other Unusual Items | - | - | - | - | - | -0.02 |
Pretax Income | 642.17 | 583.4 | 464.58 | 463.81 | 475.78 | 462.85 |
Income Tax Expense | 129.06 | 118.8 | 91.58 | 97.49 | 96.16 | 95.12 |
Net Income | 513.11 | 464.6 | 373 | 366.31 | 379.63 | 367.74 |
Preferred Dividends & Other Adjustments | 1.03 | 1.03 | 0.83 | 0.88 | 1 | 1.04 |
Net Income to Common | 512.08 | 463.57 | 372.16 | 365.43 | 378.62 | 366.7 |
Net Income Growth | 19.30% | 24.56% | 1.84% | -3.48% | 3.25% | 27.20% |
Basic Shares Outstanding | 138 | 141 | 135 | 135 | 135 | 129 |
Diluted Shares Outstanding | 139 | 142 | 135 | 135 | 135 | 130 |
Shares Change | -1.17% | 4.88% | 0.35% | -0.27% | 4.33% | 7.85% |
EPS (Basic) | 3.70 | 3.28 | 2.76 | 2.72 | 2.81 | 2.84 |
EPS (Diluted) | 3.68 | 3.27 | 2.75 | 2.71 | 2.80 | 2.83 |
EPS Growth | 20.56% | 18.91% | 1.48% | -3.21% | -1.06% | 17.92% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share | 1.520 | 1.490 | 1.480 | 1.450 | 1.440 | 1.410 |
Dividend Growth | 2.70% | 0.68% | 2.07% | 0.69% | 2.13% | 0.71% |
Effective Tax Rate | 20.10% | 20.36% | 19.71% | 21.02% | 20.21% | 20.55% |