United Bankshares, Inc.

DB:UNK Stock Report

Market Cap: €5.7b

United Bankshares Past Earnings Performance

Past criteria checks 5/6

United Bankshares has been growing earnings at an average annual rate of 3.9%, while the Banks industry saw earnings growing at 14.3% annually. Revenues have been growing at an average rate of 2% per year. United Bankshares's return on equity is 9.2%, and it has net margins of 40.9%.

Key information

3.89%

Earnings growth rate

2.07%

EPS growth rate

Banks Industry Growth10.63%
Revenue growth rate2.02%
Return on equity9.19%
Net Margin40.87%
Last Earnings Update30 Jun 2026

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How United Bankshares makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:UNK Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 261,2325034370
31 Dec 251,2024644310
30 Sep 251,1444294220
30 Jun 251,0883944120
31 Mar 251,0403704040
31 Dec 241,0103724020
30 Sep 241,0123573990
30 Jun 241,0133583990
31 Mar 241,0133544000
31 Dec 231,0243653940
30 Sep 231,0353863920
30 Jun 231,0443923910
31 Mar 231,0503953950
31 Dec 221,0313794010
30 Sep 221,0083534100
30 Jun 221,0023424170
31 Mar 221,0023424230
31 Dec 211,0453674390
30 Sep 211,0693854420
30 Jun 211,1153974580
31 Mar 211,0713554650
31 Dec 209382884270
30 Sep 208432593840
30 Jun 207172223360
31 Mar 206872362940
31 Dec 197072602860
30 Sep 197022602800
30 Jun 196992592760
31 Mar 196922582760
31 Dec 186952562790
30 Sep 187052102820
30 Jun 187112022850
31 Mar 187001732830
31 Dec 176521502770
30 Sep 175961712330
30 Jun 175381562050
31 Mar 174821511780
31 Dec 164711471750
30 Sep 164561411730
30 Jun 164421351700
31 Mar 164381381690
31 Dec 154351381680
30 Sep 154401381660

Quality Earnings: UNK has high quality earnings.

Growing Profit Margin: UNK's current net profit margins (40.9%) are higher than last year (35.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UNK's earnings have grown by 3.9% per year over the past 5 years.

Accelerating Growth: UNK's earnings growth over the past year (36.2%) exceeds its 5-year average (3.9% per year).

Earnings vs Industry: UNK earnings growth over the past year (36.2%) exceeded the Banks industry 1.1%.

Return on Equity

High ROE: UNK's Return on Equity (9.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/23 23:42
End of Day Share Price 2026/07/23 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

United Bankshares, Inc. is covered by 12 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Daniel CardenasBrean Capital Historical (Janney Montgomery)
David DarstGuggenheim Securities, LLC
David BishopHovde Group, LLC