United Bankshares, Inc.

United Bankshares, Inc.

UBSIยทNASDAQ

$42.58

-0.42%
Financial ServicesBanks - Regional

United Bankshares, Inc., a financial holding company, primarily provides commercial and retail banking products and services in the United States. It operates through two segments, Community Banking and Mortgage Banking. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, NOW accounts, and interest-bearing checking accounts. Its loan products include commercial loans and leases; construction and real estate loans; personal, student, credit card, commercial, and floor plan loans; and home equity loans. In addition, the company provides credit cards; safe deposit boxes, wire transfers, and other banking products and services; investment and security services; services to correspondent banks, including buying and selling federal funds; automated teller machine services; and internet and telephone banking services. Further, it offers community banking services, such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. As of December 31, 2021, the company operated 250 offices in Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Georgia, Pennsylvania, West Virginia, and Ohio. United Bankshares, Inc. was incorporated in 1982 and is headquartered in Charleston, West Virginia.

At a Glance

Live Snapshot
Market Cap$5.87B
EPS3.2800
P/E Ratio12.98
Earnings Date07/23/2026
3Y+19.0%
5Y+72.0%
10Y+142.0%
3Y+27.0%
5Y+26.0%
10Y+209.0%
3Y-34.0%
5Y+255.0%
10Y+192.0%
United Bankshares, Inc.

United Bankshares, Inc. Profit Bridge

UBSI ยท NASDAQ
Revenue1.82B
Cost of Goods Sold (630.78M)
Gross Profit1.19B
Operating Expenses (599.64M)
Operating Income590.18M
Interest Expense (583.69M)
Other Income/Expense-6.78M
Pretax Income583.40M
Income Tax (118.80M)
Net Income464.60M
Net Income
464.60M

Profitability Analysis

Gross Margin

65.4%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

32.4%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

25.5%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

20.4%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

United Bankshares, Inc. Income Statement

UBSI โ€ข NASDAQ

United Bankshares, Inc. Income StatementDec 2025Dec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007
REVENUE
1.8B
1.8B
1.6B
1.5B
1.1B
1.1B
1.1B
910.7M
841.4M
753.6M
538.6M
495.8M
489.1M
371.3M
387.4M
366.3M
382.3M
434.8M
497.2M
496.5M
GROSS PROFIT
(630.8M)
(630.8M)
(616.2M)
(512.5M)
(124.4M)
(28.4M)
(215.2M)
(206M)
(151.1M)
(103.2M)
(69.5M)
(62.1M)
(64.8M)
(55.6M)
(64.1M)
(72.9M)
(99M)
(166.4M)
(202.3M)
(218.6M)
1.2B
1.2B
1B
1B
1B
1B
922.6M
704.8M
690.3M
650.4M
469.1M
433.7M
424.4M
315.7M
323.4M
293.4M
283.3M
268.4M
294.9M
277.8M
OPERATING INCOME
(599.6M)
(599.6M)
(539.9M)
(552.5M)
(545.4M)
(568M)
(562.9M)
(380.4M)
(363.2M)
(365.6M)
(246.5M)
(230.2M)
(229.5M)
(190.7M)
(201.9M)
(183M)
(178.9M)
(190.1M)
(171.1M)
(147.9M)
(457M)
(457M)
(308M)
(309.6M)
(300.3M)
(342.2M)
(333.7M)
(217.8M)
(235.9M)
(229.5M)
(146.1M)
(138.4M)
(133.3M)
(108.6M)
(111.2M)
(102.1M)
(98.1M)
(101.3M)
(91M)
(84.2M)
590.2M
590.2M
464.6M
463.8M
475.8M
462.9M
359.7M
324.4M
327.2M
284.8M
222.7M
203.5M
194.9M
125M
121.5M
110.4M
104.4M
78.2M
123.9M
129.9M
PRE-TAX INCOME
(583.7M)
(583.7M)
(591.1M)
(481.4M)
(105.6M)
(52.4M)
(108.6M)
(184.6M)
(129.1M)
(74.8M)
(45M)
(39.5M)
(42.8M)
(36.3M)
(46.2M)
(55.8M)
(85.2M)
(120.4M)
(177.1M)
(213.3M)
1.1B
1.1B
911.1M
919.9M
896.4M
742.7M
689.8M
577.9M
588.6M
549M
425.3M
384.1M
375.7M
269.8M
277.7M
260.7M
238.2M
245.5M
252.8M
225.4M
(142.6M)
(142.6M)
(231.9M)
(242.9M)
(245M)
(225.8M)
(229.2M)
(162.6M)
(127.3M)
(136.1M)
(100.4M)
(91.7M)
(96.2M)
(82.1M)
(90.7M)
(80.9M)
(81.1M)
(88.8M)
(80.1M)
(63.8M)
-6.8M
-6.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
583.4M
583.4M
464.6M
463.8M
475.8M
462.9M
359.7M
324.4M
327.2M
284.8M
222.7M
203.5M
194.9M
125M
121.5M
110.4M
104.4M
78.2M
123.9M
129.9M
NET INCOME
(118.8M)
(118.8M)
(91.6M)
(97.5M)
(96.2M)
(95.1M)
(70.7M)
(64.3M)
(70.8M)
(134.2M)
(75.6M)
(65.5M)
(65M)
(39.4M)
(38.9M)
(34.8M)
(32.5M)
(11M)
(36.9M)
(39.2M)
464.6M
464.6M
373M
366.3M
379.6M
367.7M
289M
260.1M
256.3M
150.6M
147.1M
138M
129.9M
85.6M
82.6M
75.6M
71.9M
67.3M
87M
90.7M

SEC Filings

UBSI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 18, 2026
May 13, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 01, 2026
May 13, 2026
2026
10-K

10-K 2025 FY

FY

February 27, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2025

N/A

November 21, 2025
November 20, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 07, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 23, 2025
October 23, 2025
2025
10-Q

10-Q 2025 Q2

Q2

August 08, 2025
June 30, 2025
2025
Showing 1 to 10 of 441 filings