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United Bankshares UBSI Q2 2025 earnings

Reported July 24, 2025 · Before market open

Revenue$305.4MMiss by $2.9M
EPS$0.85Beat by $0.08
Revenue estimate$308.3M
EPS estimate$0.77

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$327.3M
EPS estimate$0.93

Financials

Q2 2025

Income statement

See full
Revenue$306.0M+19.6%
Net income$120.7M+25.1%
EPS (diluted)$0.85+19.7%

Balance sheet

See full
Cash & equivalents$2.3B+24.5%
Total debt$558.7M-2.4%
Total equity$5.4B+10.5%
Total assets$32.8B+9.4%

Cash flow

See full
Operating cash flow$89.4M+46.1%
CapEx$4.2M+40.1%
Free cash flow$85.2M+46.4%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$5.18B+18.4%
Enterprise value$3.42B+10.8%
P/E13.1×+0.9×
P/S4.6×+0.4×

Profitability

See full
Net margin35.2%+0.6pp
FCF margin40.8%-0.2pp

Returns & leverage

See full
Return on equity7.7%+0.2pp
Debt / equity0.1×0.0×

Segments

By product

See full
Deposit Account$9.7M+3.6%
Service Other$4.9M+3.9%
Fiduciary And Trust$4.9M-2.0%
Mortgage Banking$2.6M-33.3%
Credit Card$2.1M+55.1%

Versus estimates

Revenue

Q2 2026$323.8MBeat by $3.7MQ1 2026$316.6MBeat by $1.4MQ1 2026$316.6MBeat by $1.4MQ4 2025$318.4MBeat by $2.8MQ3 2025$324.1MBeat by $15.0M
Q2 2025$305.4MMiss by $2.9M

Diluted EPS

Q2 2026$0.95Beat by $0.06Q1 2026$0.89Beat by $0.04Q1 2026$0.89Beat by $0.04Q4 2025$0.91Beat by $0.05Q3 2025$0.92Beat by $0.11
Q2 2025$0.85Beat by $0.08

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Questions, answered.

When did United Bankshares report Q2 2025 earnings?
United Bankshares (UBSI) reported Q2 2025 earnings on July 24, 2025 before market open.
What were United Bankshares's Q2 2025 revenue and EPS?
United Bankshares reported revenue of $305.4M and eps of $0.85 for Q2 2025.
Did United Bankshares beat estimates in Q2 2025?
Revenue missed the consensus estimate of $308.3M by $2.9M. EPS beat the consensus estimate of $0.77 by $0.08.
How did United Bankshares's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 20.1% from $254.3M a year earlier and eps grew 19.7% from $0.71.
Where can I find United Bankshares's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001193125-25-176529) directly on SEC EDGAR. The filing index links above go to sec.gov.