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United Bankshares UBSI Q2 2026 earnings

Reported July 23, 2026 · Before market open

Revenue$323.8MBeat by $3.7M
EPS$0.95Beat by $0.06
Revenue estimate$320.1M
EPS estimate$0.89
“We look forward to continued growth in the second half of the year.”
Richard M. Adams

Next report

Oct 22, 2026 (in a month)
Revenue estimate$327.3M
EPS estimate$0.93

Financials

Q2 2026

Income statement

See full
Revenue$323.8M+5.8%
Net income$131.4M+8.8%
EPS (diluted)$0.95+11.8%

Balance sheet

See full
Cash & equivalents$2.1B-10.1%
Total debt$549.4M-1.7%
Total equity$5.5B+2.7%
Total assets$33.8B+3.0%

Cash flow

See full
Operating cash flow$105.2M+17.7%
CapEx$7.2M+71.7%
Free cash flow$98.0M+15.0%

Valuation & ratios

Valuation

as of 09/16/26
See full
Market cap$6.52B+24.9%
Enterprise value$4.99B+44.0%
P/E12.7×-0.6×
P/S5.1×+0.4×

Profitability

See full
Net margin40.2%+4.9pp
FCF margin41.6%+0.8pp

Returns & leverage

See full
Return on equity9.5%+1.8pp
Debt / equity0.1×0.0×

Segments

By product

See full
Deposit Account$10.1M+4.2%
Fiduciary And Trust$6.8M+39.1%
Service Other$5.2M+5.3%
Mortgage Banking$2.9M+12.3%
Credit Card$2.4M+12.6%

FAQ

When did United Bankshares report Q2 2026 earnings?
United Bankshares (UBSI) reported Q2 2026 earnings on July 23, 2026 before market open.
What were United Bankshares's Q2 2026 revenue and EPS?
United Bankshares reported revenue of $323.8M and eps of $0.95 for Q2 2026.
Did United Bankshares beat estimates in Q2 2026?
Revenue beat the consensus estimate of $320.1M by $3.7M. EPS beat the consensus estimate of $0.89 by $0.06.
How did United Bankshares's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.0% from $305.4M a year earlier and eps grew 11.8% from $0.85.
Where can I find United Bankshares's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-313364) and the 10-Q periodic report (0001193125-26-339565) directly on SEC EDGAR. The filing index links above go to sec.gov.