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United Bankshares UBSI Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$318.4MBeat by $2.8M
EPS$0.91Beat by $0.05
Revenue estimate$315.6M
EPS estimate$0.86

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$318.4M+21.6%
Net income$128.8M+36.5%
EPS (diluted)$0.91+31.9%

Balance sheet

See full
Cash & equivalents$2.5B+10.9%
Total debt$575.8M+6.0%
Total equity$5.5B+10.1%
Total assets$33.7B+12.1%

Cash flow

See full
Operating cash flow$138.9M+1.9%
CapEx$5.4M+94.0%
Free cash flow$133.5M0.0%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$5.35B+5.4%
Enterprise value$3.38B+1.6%
P/E11.5×-2.1×
P/S4.3×-0.6×

Profitability

See full
Net margin37.5%+1.5pp
FCF margin38.9%-3.0pp

Returns & leverage

See full
Return on equity8.9%+1.2pp
Debt / equity0.1×0.0×

Segments

By product

See full
Deposit Account$9.9M+4.3%
Fiduciary And Trust$6.0M+19.7%
Service Other$5.1M-1.5%
Credit Card$2.2M+7.1%
Mortgage Banking$2.0M-14.0%

Versus estimates

Revenue

Q2 2026$323.8MBeat by $3.7MQ1 2026$316.6MBeat by $1.4MQ1 2026$316.6MBeat by $1.4M
Q4 2025$318.4MBeat by $2.8M
Q3 2025$324.1MBeat by $15.0MQ2 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 $0.04
Q4 2025$0.91Beat by $0.05
Q3 2025$0.92Beat by $0.11Q2 2025$0.85Beat by $0.08

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Questions, answered.

When did United Bankshares report Q4 2025 earnings?
United Bankshares (UBSI) reported Q4 2025 earnings on January 22, 2026 before market open.
What were United Bankshares's Q4 2025 revenue and EPS?
United Bankshares reported revenue of $318.4M and eps of $0.91 for Q4 2025.
Did United Bankshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $315.6M by $2.8M. EPS beat the consensus estimate of $0.86 by $0.05.
How did United Bankshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 22.0% from $261.0M a year earlier and eps grew 31.9% from $0.69.
Where can I find United Bankshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-018696) and the 10-K periodic report (0001193125-26-081470) directly on SEC EDGAR. The filing index links above go to sec.gov.