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Balance Sheet
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Income Overview
Revenue
$5,190K
Net Income
$131,377K
Net Profit Margin
2531.35%
EPS
$0.95
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Revenue from contract-Service Other
5,190
4,857
4,911*
4,970
Revenue from contract-Fiduciary And Trust
6,764
7,403
6,040*
6,264
Revenue from contract-Deposit Account
10,069
9,577
9,120*
10,145
Revenue from contract-Credit Card
2,367
1,977
1,973*
1,858
Revenue from contract-Financial Service Other
1,226
1,099
1,124*
1,183
Revenue from contract-Mortgage Banking
2,922
2,555
2,082*
2,495
Income from bank-owned life insurance
3,134
2,994
2,582*
3,460
Mortgage loan servicing income
-
-
0*
0
Net investment securities losss
2,785
2,265
-5,130*
10,442
Other income
4,049
1,336
458*
2,387
Total other income
38,506
34,063
23,158*
43,204
Interest and fees on loans and leases
369,591
367,950
339,938*
378,193
Interest on federal funds sold and other short-term investments
17,881
20,710
23,671*
24,053
Taxable
29,535
26,082
25,943*
27,509
Tax-exempt
1,190
1,187
1,154*
1,202
Total interest income
418,197
415,929
390,705*
430,957
Interest on deposits
126,141
126,728
130,590*
143,445
Interest on short-term borrowings
1,425
1,439
1,439*
1,420
Interest on long-term borrowings
5,319
5,247
5,409*
5,977
Total interest expense
132,885
133,414
137,438*
150,842
Net interest income
285,312
282,515
253,267*
280,115
Provision for credit losses
4,961
7,776
26,890*
12,095
Net interest income after provision for credit losses
280,351
274,739
226,377*
268,020
Employee compensation
66,549
63,493
61,523*
64,092
Employee benefits
16,296
15,980
12,221*
14,641
Net occupancy expense
13,108
13,013
12,275*
12,488
Other real estate owned ('oreo') expense
516
475
237*
201
Net losses on the sales of oreo properties
-37
0
172*
0
Equipment expense
9,435
8,740
9,281*
8,540
Data processing expense
7,148
7,001
8,492*
8,135
Mortgage loan servicing expense and impairment
-
-
0*
0
Bankcard processing expense
631
623
596*
576
Fdic insurance expense
4,550
4,476
3,707*
4,345
Other expense
36,445
39,013
49,754*
33,723
Total other expense
154,715
152,814
157,911*
146,741
Income before income taxes
164,142
155,988
91,624*
164,483
Income taxes
32,765
31,788
21,144*
33,735
Net income
131,377
124,200
70,480
130,748
Basic EPS
0.95
0.89
0.501
0.92
Diluted EPS
0.95
0.89
0.5
0.92
Basic Average Shares
137,982,273
139,566,209
140,737,392
141,547,684
Diluted Average Shares
138,417,644
140,092,196
141,076,975
141,960,608
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
and leases
$369,591K
(-0.28%↓ Y/Y)
Taxable
$29,535K
(10.59%↑ Y/Y)
Interest on federal funds
sold and other...
$17,881K
(-21.00%↓ Y/Y)
Tax-exempt
$1,190K
(-1.90%↓ Y/Y)
Total interest income
$418,197K
(-0.71%↓ Y/Y)
Net interest income
$285,312K
(3.92%↑ Y/Y)
Revenue from
contract-Deposit Account
$10,069K
(4.19%↑ Y/Y)
Revenue from
contract-Fiduciary And Trust
$6,764K
(39.12%↑ Y/Y)
Revenue from
contract-Service Other
$5,190K
(5.25%↑ Y/Y)
Other income
$4,049K
(92.72%↑ Y/Y)
Income from bank-owned
life insurance
$3,134K
(-13.38%↓ Y/Y)
Revenue from
contract-Mortgage Banking
$2,922K
(12.26%↑ Y/Y)
Net investment
securities losss
$2,785K
(555.29%↑ Y/Y)
Revenue from
contract-Credit Card
$2,367K
(12.61%↑ Y/Y)
Revenue from
contract-Financial Service Other
$1,226K
(6.24%↑ Y/Y)
Total interest
expense
$132,885K
(-9.39%↓ Y/Y)
Net interest income
after provision for...
$280,351K
(4.36%↑ Y/Y)
Total other income
$38,506K
(22.40%↑ Y/Y)
Provision for credit
losses
$4,961K
(-15.76%↓ Y/Y)
Interest on deposits
$126,141K
(-9.35%↓ Y/Y)
Interest on long-term
borrowings
$5,319K
(-11.57%↓ Y/Y)
Interest on short-term
borrowings
$1,425K
(-4.23%↓ Y/Y)
Income before income
taxes
$164,142K
(7.93%↑ Y/Y)
Total other expense
$154,715K
(4.52%↑ Y/Y)
Net income
$131,377K
(8.83%↑ Y/Y)
Income taxes
$32,765K
(4.46%↑ Y/Y)
Employee compensation
$66,549K
(5.75%↑ Y/Y)
Other expense
$36,445K
(-2.18%↓ Y/Y)
Employee benefits
$16,296K
(21.30%↑ Y/Y)
Net occupancy
expense
$13,108K
(4.65%↑ Y/Y)
Equipment expense
$9,435K
(10.34%↑ Y/Y)
Data processing
expense
$7,148K
(-10.11%↓ Y/Y)
Fdic insurance
expense
$4,550K
(0.40%↑ Y/Y)
Bankcard processing
expense
$631K
(7.31%↑ Y/Y)
Other real estate
owned ('oreo')...
$516K
(118.64%↑ Y/Y)
Net losses on the
sales of oreo...
-$37K
(-131.25%↓ Y/Y)
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UNITED BANKSHARES INC WV (UBSI)
UNITED BANKSHARES INC WV (UBSI)