United Bankshares, Inc. (UBSI) Earnings History
Steady Earner37 years of earnings data (1989–2025) · Positive but moderate multi-year EPS trajectory
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United Bankshares, Inc. (UBSI) Earnings Overview
As of June 23, 2026, United Bankshares, Inc. (UBSI) reported trailing twelve-month net income of $465M, reflecting +18.9% year-over-year growth. The company earned $3.30 per diluted share over the past four quarters, with a net profit margin of 25.5%.
Looking at the long-term picture, UBSI's 5-year EPS compound annual growth rate (CAGR) stands at +6.4%, showing solid earnings momentum. The company achieved its highest annual net income of $465M in fiscal 2025, representing a new all-time high.
United Bankshares, Inc. maintains industry-leading profitability with a gross margin of 65.4%, operating margin of 32.4%, and net margin of 25.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WSFS ($287M net income, 21.1% margin), FULT ($392M net income, 20.7% margin), UMBF ($883M net income, 15.8% margin), UBSI has outperformed on profitability metrics. Compare UBSI vs WSFS →
UBSI Earnings vs Peers
Earnings metrics vs comparable public companies
UBSI Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $465M | +24.6% | $590M | $3.27 | 25.5% | 32.4% |
| 2024 | $373M | +1.8% | $465M | $2.75 | 23.0% | 28.7% |
| 2023 | $366M | -3.5% | $464M | $2.72 | 24.0% | 30.3% |
| 2022 | $380M | +3.2% | $476M | $2.80 | 33.1% | 41.5% |
| 2021 | $368M | +27.2% | $463M | $2.83 | 34.7% | 43.7% |
| 2020 | $289M | +11.1% | $360M | $2.40 | 25.4% | 31.6% |
| 2019 | $260M | +1.5% | $324M | $2.55 | 28.6% | 35.6% |
| 2018 | $256M | +70.2% | $327M | $2.46 | 30.5% | 38.9% |
| 2017 | $151M | +2.4% | $285M | $1.54 | 20.0% | 37.8% |
| 2016 | $147M | +6.6% | $223M | $1.99 | 27.3% | 41.3% |
| 2015 | $138M | +6.2% | $203M | $1.98 | 27.8% | 41.0% |
| 2014 | $130M | +51.7% | $195M | $1.92 | 26.6% | 39.8% |
| 2013 | $86M | +3.7% | $125M | $1.70 | 23.1% | 33.7% |
| 2012 | $83M | +9.3% | $121M | $1.64 | 21.3% | 31.4% |
| 2011 | $76M | +5.1% | $110M | $1.61 | 20.6% | 30.1% |
| 2010 | $72M | +6.9% | $104M | $1.65 | 18.8% | 27.3% |
| 2009 | $67M | -22.6% | $78M | $1.55 | 15.5% | 18.0% |
| 2008 | $87M | -4.1% | $124M | $2.00 | 17.5% | 24.9% |
| 2007 | $91M | +1.6% | $130M | $2.15 | 18.3% | 26.2% |
| 2006 | $89M | -11.1% | $130M | $2.13 | 19.8% | 28.9% |
| 2005 | $100M | +2.7% | $147M | $2.33 | 25.2% | 36.9% |
| 2004 | $98M | +24.1% | $117M | $2.22 | 28.1% | 33.7% |
| 2003 | $79M | -11.4% | $92M | $1.85 | 24.3% | 28.4% |
| 2002 | $89M | +11.2% | $113M | $2.06 | 24.6% | 31.4% |
| 2001 | $80M | +35.6% | $119M | $1.90 | 18.9% | 28.1% |
| 2000 | $59M | -16.0% | $88M | $1.40 | 14.3% | 21.3% |
| 1999 | $70M | +58.1% | $105M | $1.61 | 17.3% | 25.9% |
| 1998 | $44M | -15.1% | $62M | $1.02 | 12.1% | 16.8% |
| 1997 | $52M | +31.7% | $79M | $1.22 | 16.5% | 25.0% |
| 1996 | $40M | +41.3% | $61M | $0.93 | 14.2% | 21.7% |
| 1995 | $28M | +12.9% | $43M | $1.18 | 18.8% | 29.1% |
| 1994 | $25M | +14.7% | $38M | $1.04 | 18.8% | 28.7% |
| 1993 | $22M | +37.3% | $30M | $0.92 | 16.8% | 23.4% |
| 1992 | $16M | +20.6% | $23M | $0.80 | 14.1% | 20.3% |
| 1991 | $13M | +22.4% | $18M | $0.75 | 11.5% | 16.2% |
| 1990 | $11M | -7.0% | $15M | $0.62 | 8.9% | 12.4% |
| 1989 | $12M | - | $16M | $0.74 | 10.3% | 14.2% |
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UBSI — Frequently Asked Questions
Quick answers to the most common questions about buying UBSI stock.
What is UBSI earnings per share (EPS)?
UBSI trailing twelve-month (TTM) diluted EPS is $3.30, reflecting +18.9% year-over-year growth. The 5-year EPS CAGR is +6.4%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is United Bankshares, Inc.'s net income?
United Bankshares, Inc. (UBSI) trailing twelve-month net income is $465M as of 2025. Earnings grew +18.9% year-over-year. United Bankshares, Inc. has been profitable for 37 consecutive years.
Is UBSI profitable?
Yes, UBSI is profitable with a TTM net income of $465M and a net profit margin of +25.5%. United Bankshares, Inc. has generated profits for 37 consecutive years.
What is UBSI's earnings growth rate?
UBSI compound annual EPS growth rates (CAGR): 1-Year: +18.9%, 3-Year: +5.3%, 5-Year: +6.4%, 10-Year: +5.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are UBSI's profit margins?
United Bankshares, Inc. net profit margin is +25.5%, operating margin is +32.4%, and gross margin is +65.4%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +8.9%.
Is UBSI growing earnings?
Yes, UBSI earnings are accelerating — EPS growth of +18.9% exceeds the 5-year CAGR of +6.4%. TTM net income reached $465M. Earnings momentum is strengthening.
What was UBSI's best earnings year?
United Bankshares, Inc.'s highest annual net income on record is $465M, achieved in fiscal year 2025. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were UBSI's earnings last quarter?
UBSI's most recent reported quarter was Q4 2025. Net income was $129M with diluted EPS of $0.91. For a full breakdown of all quarters, see the quarterly earnings table on this page.