United Bankshares, Inc. (UBSI) Quarterly Income Statement

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United Bankshares, Inc. (UBSI) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

UBSI Income Statement

United Bankshares, Inc. (UBSI) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q2'26	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

Net Interest Income	285.31M	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
NII Growth %	3.92%	-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%
Net Interest Margin %	0.85%	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%
Interest Income	418.2M	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
Interest Expense	132.88M	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
Loan Loss Provision	0	-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
Non-Interest Income	0	-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
Non-Interest Income %	0%	100%	9.72%	13.57%	10.1%	10.02%	10.89%	11.84%	11.24%	12.11%	12.32%	12.27%	12.65%	11.48%	9.92%	11.17%	16.28%	18.68%	21.87%	26.36%
Total Net Revenue	285.31M	-415.93M	318.39M	324.1M	305.39M	289.02M	261.04M	261.17M	254.29M	253.15M	261.95M	260.41M	260.39M	264.7M	276.88M	270.89M	256.69M	235.49M	235.1M	246.57M
Revenue Growth %	-6.58%	-243.91%	21.97%	24.1%	20.09%	14.17%	-0.35%	0.29%	-2.34%	-4.36%	-5.39%	-3.87%	1.44%	12.4%	17.77%	9.86%	4.6%	-15.88%	-16.68%	-21.76%
Non-Interest Expense	159.68M	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
Efficiency Ratio	55.97%	0%	47.65%	45.52%	48.27%	52.93%	51.06%	51.43%	52.35%	54.98%	57.6%	51.28%	51.09%	51.02%	48.45%	49.73%	54.29%	58.24%	63.45%	56.23%
Operating Income	125.64M	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
Operating Margin %	44.03%	0%	52.35%	50.75%	49.8%	37%	46.38%	45.92%	45.37%	42.75%	39.78%	46.44%	44.51%	46.37%	45.64%	47.44%	46.41%	43.21%	39.7%	46.95%
Operating Income Growth %	-17.39%	-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%
Pretax Income	164.14M	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
Pretax Margin %	57.53%	-37.5%	50.22%	50.75%	49.8%	37%	46.38%	45.92%	45.37%	42.75%	39.78%	46.44%	44.51%	46.37%	45.64%	47.44%	46.41%	43.21%	39.7%	46.95%
Income Tax	32.77M	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
Effective Tax Rate %	19.96%	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%
Net Income	131.38M	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
Net Margin %	46.05%	-29.86%	40.46%	40.34%	39.53%	29.17%	36.17%	36.48%	37.95%	34.29%	30.31%	36.93%	35.51%	37.14%	36.03%	37.87%	37.25%	34.68%	31.41%	37.37%
Net Income Growth %	8.83%	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%
Net Income (Continuing)	131.38M	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
EPS (Diluted)	0.94	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
EPS Growth %	10.59%	-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%
EPS (Basic)	0.94	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
Diluted Shares Outstanding	140.09M	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