20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
United Bankshares Inc (UBSI) operates in the BANKS - REGIONAL industry and is headquartered in Charleston, United States with about 2,740 employees. Its market capitalization is roughly $6 billion. In the fiscal year ended 2025-12-31, UBSI reported $1.8B in revenue and $465M in net income.
United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $1.8B | $1.8B | $1.6B | $1.5B | $1.1B | $1.1B | $1.1B | $911M | $841M | $754M | $539M | $496M | $489M | $371M | $387M | $366M | $382M | $435M | $497M | $496M | $450M |
| Gross Profit | $1.2B | $1.2B | $1.0B | $1.0B | $1.0B | $1.0B | $923M | $705M | $690M | $650M | $469M | $434M | $424M | $316M | $323M | $293M | $283M | $268M | $295M | $278M | $267M |
| Gross Margin % | 67.8% | 65.3% | 62.0% | 66.5% | 89.1% | 97.3% | 81.1% | 77.4% | 82.0% | 86.3% | 87.1% | 87.5% | 86.8% | 85.0% | 83.5% | 80.1% | 74.1% | 61.7% | 59.3% | 56.0% | 59.4% |
| Operating Income (EBIT) | $613M | $590M | $465M | $464M | $476M | $463M | $360M | $324M | $327M | $285M | $223M | $203M | $195M | $125M | $121M | $110M | $104M | $78M | $124M | $130M | $130M |
| Operating Margin % | 34.0% | 32.4% | 28.7% | 30.3% | 41.5% | 43.7% | 31.6% | 35.6% | 38.9% | 37.8% | 41.3% | 41.0% | 39.8% | 33.7% | 31.4% | 30.1% | 27.3% | 18.0% | 24.9% | 26.2% | 28.9% |
| Net Income | $515M | $465M | $373M | $366M | $380M | $368M | $289M | $260M | $256M | $151M | $147M | $138M | $130M | $86M | $83M | $76M | $72M | $67M | $87M | $91M | $89M |
| Net Margin % | 28.6% | 25.5% | 23.0% | 24.0% | 33.1% | 34.7% | 25.4% | 28.6% | 30.5% | 20.0% | 27.3% | 27.8% | 26.6% | 23.1% | 21.3% | 20.6% | 18.8% | 15.5% | 17.5% | 18.3% | 19.9% |
| EBITDA | $615M | $590M | $475M | $487M | $499M | $471M | $343M | $304M | $306M | $263M | $214M | $204M | $196M | $137M | $131M | $118M | $111M | $85M | $131M | $138M | $140M |
| Earnings Per Share (EPS) | $3.66 | $3.30 | $2.75 | $2.72 | $2.81 | $2.84 | $2.41 | $2.55 | $2.46 | $1.54 | $1.99 | $1.98 | $1.92 | $1.70 | $1.64 | $1.61 | $1.65 | $1.55 | $2.00 | $2.15 | $2.13 |
| Shares Outstanding (M) | 140M | 141M | 136M | 135M | 135M | 130M | 120M | 102M | 104M | 98M | 74M | 70M | 68M | 50M | 50M | 47M | 44M | 43M | 43M | 42M | 42M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $418M | $448M | $461M | $475M | $452M | $433M | $404M | $414M |
| Gross Profit | $285M | $306M | $318M | $312M | $300M | $260M | $254M | $254M |
| Gross Margin % | 68.2% | 68.5% | 69.1% | 65.7% | 66.2% | 60.1% | 62.9% | 61.5% |
| Operating Income (EBIT) | $126M | $156M | $167M | $164M | $152M | $107M | $121M | $120M |
| Operating Margin % | 30.0% | 34.8% | 36.2% | 34.6% | 33.6% | 24.7% | 29.9% | 29.0% |
| Net Income | $131M | $124M | $129M | $131M | $121M | $84M | $94M | $95M |
| Net Margin % | 31.4% | 27.8% | 28.0% | 27.5% | 26.7% | 19.5% | 23.3% | 23.0% |
| EBITDA | $127M | $156M | $167M | $164M | $152M | $107M | $121M | $120M |
| Earnings Per Share (EPS) | $0.94 | $0.89 | $0.91 | $0.92 | $0.85 | $0.59 | $0.70 | $0.70 |
| Shares Outstanding (M) | 140M | 140M | 141M | 142M | 142M | 143M | 136M | 136M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $556M | $499M | $445M | $435M | $761M | $610M | $140M | $148M | $294M | $254M | $171M | $175M | $153M | $142M | $129M | $119M | $101M | $54M | $114M | $81M | $89M |
| Capital Expenditures (CapEx) | $30M | $18M | $12M | $12M | $17M | $15M | $19M | $11M | $6M | $14M | $7M | $5M | $9M | $6M | $5M | $8M | $3M | $5M | $2M | $3M | $3M |
| Free Cash Flow (FCF) | $526M | $481M | $433M | $424M | $744M | $594M | $121M | $137M | $288M | $240M | $163M | $170M | $144M | $136M | $124M | $111M | $98M | $49M | $112M | $78M | $86M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $212M | $209M | $201M | $195M | $193M | $181M | $163M | $139M | $142M | $121M | $96M | $89M | $82M | $62M | $62M | $54M | $52M | $50M | $50M | $46M | $45M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $105M | $161M | $139M | $151M | $89M | $120M | $136M | $124M |
| Capital Expenditures (CapEx) | $5M | $5M | $12M | $8M | $4M | $4M | $3M | $2M |
| Free Cash Flow (FCF) | $100M | $156M | $127M | $143M | $85M | $116M | $133M | $122M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $53M | $53M | $52M | $53M | $53M | $50M | $50M | $50M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $33.8B | $33.7B | $30.0B | $29.9B | $29.5B | $29.3B | $26.2B | $19.7B | $19.2B | $19.1B | $14.5B | $12.6B | $12.3B | $8.7B | $8.4B | $8.5B | $7.2B | $7.8B | $8.1B | $8.0B | $6.7B |
| Cash & Cash Equivalents | $2.1B | $2.5B | $2.3B | $1.6B | $1.2B | $3.8B | $2.2B | $837M | $1.0B | $1.7B | $1.4B | $857M | $752M | $416M | $431M | $635M | $461M | $449M | $205M | $213M | $240M |
| Total Liabilities | $28.2B | $28.2B | $25.0B | $25.2B | $25.0B | $24.6B | $21.9B | $16.3B | $16.0B | $15.8B | $12.3B | $10.9B | $10.7B | $7.7B | $7.4B | $7.5B | $6.4B | $7.0B | $7.4B | $7.2B | $6.1B |
| Total Debt (Short + Long-Term) | $700M | $730M | $717M | $2.0B | $2.4B | $946M | $422M | $361M | $411M | $570M | $484M | $587M | $711M | $414M | $413M | $458M | $377M | $610M | $1.4B | $1.4B | $1.1B |
| Total Shareholders' Equity | $5.5B | $5.5B | $5.0B | $4.8B | $4.5B | $4.7B | $4.3B | $3.4B | $3.3B | $3.2B | $2.2B | $1.7B | $1.7B | $1.0B | $992M | $969M | $793M | $762M | $737M | $761M | $634M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive UBSI viewer.
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