United Bankshares, Inc. (UBSI) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 0 | 287.46M | 280.12M | 274.54M | 260.06M | 232.61M | 230.26M | 225.72M | 222.49M | 229.69M | 228.45M | 227.46M | 234.32M | 249.4M | 240.62M | 214.9M | 191.5M | 183.68M | 181.58M | 186.52M |
| NII Growth % | -100% | 23.58% | 21.65% | 21.63% | 16.88% | 1.27% | 0.79% | -0.77% | -5.05% | -7.9% | -5.06% | 5.84% | 22.36% | 35.78% | 32.52% | 15.22% | 0.28% | -4.33% | -2.2% | 9.33% |
| Net Interest Margin % | 0% | 0.85% | 0.84% | 0.84% | 0.79% | 0.77% | 0.77% | 0.75% | 0.74% | 0.77% | 0.78% | 0.77% | 0.78% | 0.85% | 0.83% | 0.75% | 0.65% | 0.63% | 0.66% | 0.69% |
| Interest Income | 415.93M | 430.05M | 430.96M | 421.2M | 403.65M | 376.03M | 382.72M | 374.18M | 369.18M | 369.18M | 356.91M | 345.93M | 329.3M | 307.74M | 263.68M | 227.77M | 202.79M | 195.19M | 194.08M | 200.19M |
| Interest Expense | 133.41M | 142.6M | 150.84M | 146.66M | 143.59M | 143.43M | 152.47M | 148.47M | 146.69M | 139.49M | 128.46M | 118.47M | 94.98M | 58.34M | 23.06M | 12.87M | 11.29M | 11.52M | 12.5M | 13.67M |
| Loan Loss Provision | -133.41M | 0 | 12.1M | 5.89M | 29.1M | 6.69M | 6.94M | 5.78M | 5.74M | 6.88M | 5.95M | 11.44M | 6.89M | 16.37M | 7.67M | -1.81M | -3.41M | -7.41M | -7.83M | -8.88M |
| Non-Interest Income | -415.93M | 30.94M | 43.98M | 30.86M | 28.96M | 28.43M | 30.91M | 28.58M | 30.66M | 32.26M | 31.96M | 32.93M | 30.38M | 27.47M | 30.27M | 41.79M | 43.99M | 51.43M | 64.99M | 58.89M |
| Non-Interest Income % | - | 6.71% | 9.26% | 6.83% | 6.7% | 7.03% | 7.47% | 7.1% | 7.67% | 8.04% | 8.22% | 8.69% | 8.45% | 8.2% | 10.3% | 15.5% | 17.83% | 20.85% | 25.09% | 22.73% |
| Total Revenue | 0 | 460.99M | 474.94M | 452.05M | 432.61M | 404.47M | 413.63M | 402.76M | 399.84M | 401.44M | 388.87M | 378.86M | 359.68M | 335.21M | 293.95M | 269.56M | 246.79M | 246.62M | 259.07M | 259.08M |
| Revenue Growth % | -100% | 13.97% | 14.82% | 12.24% | 8.2% | 0.75% | 6.37% | 6.31% | 11.17% | 19.76% | 32.29% | 40.55% | 45.75% | 35.92% | 13.46% | 4.05% | -16.25% | -17.55% | -23.75% | -8.84% |
| Non-Interest Expense | 0 | 151.72M | 147.52M | 147.42M | 152.98M | 133.29M | 134.31M | 133.13M | 139.19M | 150.88M | 133.53M | 133.04M | 135.06M | 134.14M | 134.72M | 139.36M | 137.14M | 149.17M | 138.64M | 135M |
| Efficiency Ratio | - | 32.91% | 31.06% | 32.61% | 35.36% | 32.95% | 32.47% | 33.05% | 34.81% | 37.58% | 34.34% | 35.12% | 37.55% | 40.02% | 45.83% | 51.7% | 55.57% | 60.48% | 53.52% | 52.11% |
| Operating Income | 0 | 166.68M | 164.48M | 152.09M | 106.93M | 121.06M | 119.92M | 115.39M | 108.22M | 104.2M | 120.94M | 115.91M | 122.75M | 126.37M | 128.5M | 119.14M | 101.76M | 93.34M | 115.76M | 119.29M |
| Operating Margin % | - | 36.16% | 34.63% | 33.64% | 24.72% | 29.93% | 28.99% | 28.65% | 27.07% | 25.96% | 31.1% | 30.59% | 34.13% | 37.7% | 43.72% | 44.2% | 41.23% | 37.85% | 44.68% | 46.04% |
| Operating Income Growth % | -100% | 37.68% | 37.17% | 31.81% | -1.19% | 16.18% | -0.84% | -0.45% | -11.84% | -17.54% | -5.89% | -2.71% | 20.63% | 35.39% | 11.01% | -0.12% | -24.32% | -17.54% | -12.81% | 87.25% |
| Pretax Income | 155.99M | 159.9M | 164.48M | 152.09M | 106.93M | 121.06M | 119.92M | 115.39M | 108.22M | 104.2M | 120.94M | 115.91M | 122.75M | 126.37M | 128.5M | 119.14M | 101.76M | 93.34M | 115.76M | 119.29M |
| Pretax Margin % | - | 34.69% | 34.63% | 33.64% | 24.72% | 29.93% | 28.99% | 28.65% | 27.07% | 25.96% | 31.1% | 30.59% | 34.13% | 37.7% | 43.72% | 44.2% | 41.23% | 37.85% | 44.68% | 46.04% |
| Income Tax | 31.79M | 31.07M | 33.73M | 31.37M | 22.63M | 26.65M | 24.65M | 18.88M | 21.41M | 24.81M | 24.78M | 23.45M | 24.45M | 26.61M | 25.92M | 23.53M | 20.1M | 19.49M | 23.6M | 24.45M |
| Effective Tax Rate % | 20.38% | 19.43% | 20.51% | 20.62% | 21.16% | 22.01% | 20.56% | 16.36% | 19.78% | 23.81% | 20.49% | 20.23% | 19.92% | 21.06% | 20.17% | 19.75% | 19.75% | 20.88% | 20.39% | 20.5% |
| Net Income | 124.2M | 128.83M | 130.75M | 120.72M | 84.31M | 94.41M | 95.27M | 96.51M | 86.81M | 79.39M | 96.16M | 92.46M | 98.31M | 99.77M | 102.58M | 95.61M | 81.66M | 73.85M | 92.15M | 94.84M |
| Net Margin % | - | 27.95% | 27.53% | 26.71% | 19.49% | 23.34% | 23.03% | 23.96% | 21.71% | 19.78% | 24.73% | 24.4% | 27.33% | 29.76% | 34.9% | 35.47% | 33.09% | 29.95% | 35.57% | 36.61% |
| Net Income Growth % | 47.32% | 36.46% | 37.24% | 25.09% | -2.89% | 18.92% | -0.93% | 4.38% | -11.69% | -20.42% | -6.27% | -3.3% | 20.38% | 35.09% | 11.32% | 0.82% | -23.61% | -20.05% | -11.21% | 80% |
| Net Income (Continuing) | 0 | 128.83M | 130.75M | 120.72M | 84.31M | 94.41M | 95.27M | 96.51M | 86.81M | 79.39M | 96.16M | 92.46M | 98.31M | 99.77M | 102.58M | 95.61M | 81.66M | 73.85M | 92.15M | 94.84M |
| EPS (Diluted) | 0.00 | 0.91 | 0.92 | 0.85 | 0.59 | 0.70 | 0.70 | 0.71 | 0.64 | 0.59 | 0.71 | 0.68 | 0.73 | 0.74 | 0.76 | 0.71 | 0.60 | 0.56 | 0.71 | 0.73 |
| EPS Growth % | -100% | 30% | 31.43% | 19.72% | -7.81% | 18.64% | -1.41% | 4.41% | -12.33% | -20.27% | -6.58% | -4.23% | 21.67% | 32.14% | 7.04% | -2.74% | -27.71% | -21.13% | -11.25% | 65.91% |
| EPS (Basic) | 0.00 | 0.92 | 0.92 | 0.85 | 0.59 | 0.70 | 0.70 | 0.71 | 0.64 | 0.59 | 0.71 | 0.68 | 0.73 | 0.74 | 0.76 | 0.71 | 0.60 | 0.56 | 0.71 | 0.73 |
| Diluted Shares Outstanding | 0 | 140.98M | 142.44M | 142.44M | 142.7M | 135.73M | 135.5M | 135.31M | 135.12M | 134.99M | 134.89M | 134.85M | 134.84M | 134.8M | 134.55M | 134.86M | 136.44M | 131.3M | 128.96M | 129.03M |