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United Bankshares UBSI Net Interest Income

Net Interest Income at other companies

Truist Financial logo
Truist FinancialTFC
$3.62B+0.9%
PNC Financial Services logo
PNC Financial ServicesPNC
$4.11B+15.5%
Chain Bridge Bancorp logo
Chain Bridge BancorpCBNA
$14.95M+8.0%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$251.93M+24.7%
United Community Banks logo
United Community BanksUCB
$240.9M+6.8%
HOM
Home BancSharesHOMB
$241.64M+9.9%

Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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Market cap$6.65B+31.6%
Enterprise value$5.12B+55.2%
P/E12.9×+0.1×
P/S5.2×+0.7×

Profitability

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

Returns & leverage

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

Where this comes from

Reported directly by United Bankshares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: United Bankshares’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:11 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-339565
(Dollars in thousands, except per share data)Three Months Ended June 30 / 2026Three Months Ended June 30 / 2025Six Months Ended June 30 / 2026Six Months Ended June 30 / 2025
Interest on short-term borrowings1,4251,4882,8642,938
Interest on long-term borrowings5,3196,01510,56611,869
Total interest expense132,885146,659266,299290,251
Net interest income285,312274,537567,827534,592
Provision for credit losses4,9615,88912,73734,992
Net interest income after provision for credit losses280,351268,648555,090499,600
Other income
Fees from trust services5,1904,93110,0479,713

Item 1. FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is United Bankshares's net interest income?
United Bankshares (UBSI) reported net interest income of $285.31M in Q2 2026.
How has United Bankshares's net interest income changed year-over-year?
United Bankshares's net interest income increased by 3.9% year-over-year, from $274.54M to $285.31M.
What is the long-term trend for United Bankshares's net interest income?
Over 4 years (2021 to 2025), United Bankshares's net interest income has grown at a 10.4% compound annual growth rate (CAGR), from $742.73M to $1.1B.
What does net interest income mean?
Net interest income is the difference between the interest earned on assets, such as loans and securities, and the interest paid on liabilities, such as deposits and debt. It is the fundamental driver of profitability for a banking institution. This metric highlights the core margin generated from the bank's primary lending and deposit-taking activities.

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