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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United Bankshares, Inc. (UBSI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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