United Bankshares, Inc. (UBSI)

Nasdaq: UBSI · State Commercial Banks · Charleston, WV · filing with the SEC since 1994

Grade6.5

◀ Past 6.7● Present 6.0▶ Future 6.7

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Feb 27, 2026	Feb 28, 2025	Feb 29, 2024	Mar 1, 2023	Mar 1, 2022	Mar 1, 2021	Mar 2, 2020	Mar 1, 2019	Mar 1, 2018	Mar 1, 2017
Revenue	·	·	·	311,957	330,958	263,249	276,625	239,684	·	·
For lenders
Interest and dividend income	1,685,853	1,502,121	1,401,320	1,001,990	795,117	798,382	762,562	717,715	623,806	470,341
Interest expense on deposits and borrowings	583,689	591,053	481,396	105,559	·	·	·	·	·	·
Net interest income	1,102,164	911,068	919,924	896,431	742,734	689,773	577,922	588,645	548,997	425,331
Provision for credit losses	53,866	25,153	31,153	18,822	-23,970	106,562	1,984	4,218^r	28,406	1,676,000^r
Net interest income after provision	1,048,298	885,915	888,771	877,609	766,704	583,211	556,609	566,632	520,591	400,822
Noninterest income	135,154	123,695	135,258	153,261	278,128^r	354,775^r	150,484	128,712	131,645	70,032
Noninterest expense	600,052	545,031	560,224	555,087	581,979^r	578,246^r	382,654	368,179	367,409	248,196
Interest expense	·	·	481,396	105,559	52,383	108,609	184,640	129,070	74,809	45,010
Income before income taxes	583,400	464,579	463,805	475,783	462,853	359,740	324,439	327,165	284,827	222,658
Income tax expense	118,797	91,583	97,492	96,156	95,115	70,717	64,340	70,823	134,246	75,575
Net income including non-controlling interests	464,603	372,996	366,313	379,627	367,738	289,023	260,099	256,342	150,581	147,083
Net income	464,603	372,996	366,313	379,627	367,738	289,023	260,099	256,342	150,581	147,083
Net income to common shareholders	463,569	372,162	365,434	378,624	366,696	288,282	259,504	255,878	150,343	146,827
Earnings per share, basic	3.28	2.76	2.72	2.81	2.84	2.40	2.55	2.46	1.54	2.00
Earnings per share, diluted	3.27	2.75	2.71	2.80	2.83	2.40	2.55	2.45	1.54	1.99
Weighted average shares, basic	141,497,205	134,947,592	134,505,058	134,776,241	129,276,452	120,017,247	101,585,599	104,015,976	97,502,633	73,531,992
Weighted average shares, diluted	141,827,360	135,225,417	134,753,820	135,117,512	129,512,853	120,090,232	101,852,577	104,298,825	97,890,078	73,893,127

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:Revenues

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses
us-gaap:ProvisionForLoanLossesExpensed

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton UBSI · research, not advice