United Bankshares, Inc. (UBSI) Earnings History
Annual and quarterly earnings data from 1989 to 2025
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UBSI EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
UBSI Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 65.4% | 32.4% | 25.5% |
| 2024 | 62.0% | 28.7% | 23.0% |
| 2023 | 66.5% | 30.3% | 24.0% |
| 2022 | 89.1% | 41.5% | 33.1% |
| 2021 | 97.3% | 43.7% | 34.7% |
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United Bankshares, Inc. (UBSI) Earnings Overview
As of May 8, 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% |
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Start ComparisonUBSI — Frequently Asked Questions
Quick answers to the most common questions about buying UBSI stock.
Is UBSI growing earnings?
UBSI EPS is $3.30, with earnings growth accelerating to +18.9%. This exceeds the 5-year CAGR of +6.4%. TTM net income reached $465M.
What are UBSI's profit margins?
United Bankshares, Inc. net margin is +25.5%, with operating margin at +32.4%. Above-average margins indicate pricing power.
How consistent are UBSI's earnings?
UBSI earnings data spans 1989-2025. The accelerating earnings trend is +18.9% YoY. Historical data enables comparison across business cycles.