Compared to Estimates, United Bankshares (UBSI) Q3 Earnings: A Look at Key Metrics

For the quarter ended September 2025, United Bankshares (UBSI) reported revenue of $324.1 million, up 23.2% over the same period last year. EPS came in at $0.92, compared to $0.70 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $309.79 million, representing a surprise of +4.62%. The company delivered an EPS surprise of +12.2%, with the consensus EPS estimate being $0.82.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how United Bankshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 45.4% versus the three-analyst average estimate of 48.8%.
• Earning assets-Average balance: $29.42 billion compared to the $29.3 billion average estimate based on three analysts.
• Net interest margin: 3.8% versus the three-analyst average estimate of 3.7%.
• Net Charge-off (% of Average Loans): 0.3% versus 0.1% estimated by two analysts on average.
• Income from mortgage banking operations: $2.5 million versus the three-analyst average estimate of $3.11 million.
• Total Noninterest Income: $43.2 million versus $31.87 million estimated by three analysts on average.
• Income from bank-owned life insurance: $3.46 million versus $3.62 million estimated by two analysts on average.
• Other income: $2.39 million versus $2.11 million estimated by two analysts on average.
• Fees from deposit services: $10.15 million versus the two-analyst average estimate of $9.78 million.
• Other service charges, commissions, and fees: $1.18 million versus $1.13 million estimated by two analysts on average.
• Bankcard fees and merchant discounts: $1.86 million compared to the $2.11 million average estimate based on two analysts.
• Net Interest Income (Taxable Equivalent): $280.9 million versus $277.99 million estimated by two analysts on average.

View all Key Company Metrics for United Bankshares here>>>

Shares of United Bankshares have returned -5.6% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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