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United Bankshares, Inc.

UBSI Finance Major Banks
$48.46
▲ +2.8% Today
as of Oct 22, 16:53 ET
Last 30 days +1.61% Sep 14 → Oct 22
$45.09 $46.00 $46.90 $47.80 $48.71 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$46.88
High
$48.61
Low
$46.88
Volume
$1M
Avg Vol
$914,084
Mkt Cap
$6.2B
P/E (TTM)
25.38
Beta
—
52w High
$49.62
52w Low
$34.68
Div Yield
—
Shares Out
—

Recent Press Releases & News last 60 days · 18 items

Oct 22 · 12:10 MT Newswires
United Bankshares' Q3 Earnings, Revenue Rise
Oct 22 · 12:00 Zacks
United Bankshares (UBSI) Q3 Earnings Meet Estimates
Oct 22 · 11:56 Associated Press
United Bankshares: Q3 Earnings Snapshot
▸ Show all 18 press releases & news Free account →

UBSI earnings at a glance

The options market is pricing a move of about ±7.7% after the report, a range of roughly $44.73 to $52.19 from today's $48.46. Over its last 6 reports the stock rose the next day 2 times and fell 4, moving ±0.6% on average; after the most recent report on Jul 23, 2026 it moved +1.0%. That means options currently expect more movement than UBSI has typically delivered. UBSI beat the consensus EPS estimate in 5 of its last 6 reported quarters. Implied volatility is currently 58%. The share price of $48.46 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$35
$50
92% of range
Avg surprise (last 6)
+4.9%
Avg reaction (last 6)
+0.1%
33% positive
Latest IV / EM
58%
EM ±7.7% · $45 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.59$0.68$0.77$0.86$0.95 Actual $0.59Est $0.66Actual $0.85Est $0.77Actual $0.92Est $0.82Actual $0.91Est $0.86Actual $0.89Est $0.85Actual $0.95Est $0.89 Mar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$34M$69M$103M$138M Mar 25Jun 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 23, 2026Jun/2026 $0.95 $0.89 +6.7% +4.7% +1.0% earnings
Thu Apr 23, 20268K 2026-04-23 $0.89 $0.85 +4.7% — +1.2% earnings
Thu Jan 22, 20268K 2026-01-22 $0.91 $0.86 +5.8% — -0.1% earnings
Thu Oct 23, 2025Sep/2025 $0.92 $0.82 +12.2% — -0.8% earnings
Thu Jul 24, 2025Jun/2025 $0.85 $0.77 +10.4% — -0.7% earnings
Thu Apr 24, 2025Mar/2025 $0.59 $0.66 -10.6% — -0.0% earnings

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$131M$124M——$121M$84M——
EPS (diluted)$0.95$0.89——$0.85$0.59——

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$33.75B$33.71B$33.66B$33.41B$32.78B$32.79B$30.02B$29.86B
Long-term debt———$250M$250M$250M—$260M
Total liabilities$28.24B$28.22B$28.16B$27.96B$27.42B$27.47B$25.03B$24.90B
Total equity$5.51B$5.49B$5.50B$5.45B$5.36B$5.31B$4.99B$4.97B

Implied volatility — last 90 days

5%72%140%207%274% Jun 07 — IV 37% · EM ±5.1%Jun 08 — IV 37% · EM ±4.9%Jun 09 — IV 32% · EM ±4.0%Jun 10 — IV 20% · EM ±2.3%Jun 11 — IV 45% · EM ±5.0%Jun 12 — IV 40% · EM ±4.1%Jun 15 — IV 88% · EM ±6.4%Jun 16 — IV 96% · EM ±5.7%Jun 17 — IV 24% · EM ±1.0%Jun 22 — IV 22% · EM ±4.6%Jun 23 — IV 28% · EM ±5.6%Jun 24 — IV 36% · EM ±7.1%Jun 25 — IV 39% · EM ±7.6%Jun 26 — IV 29% · EM ±5.5%Jun 29 — IV 33% · EM ±5.9%Jun 30 — IV 33% · EM ±5.7%Jul 01 — IV 39% · EM ±6.5%Jul 02 — IV 40% · EM ±6.5%Jul 03 — IV 41% · EM ±6.5%Jul 06 — IV 48% · EM ±6.7%Jul 07 — IV 48% · EM ±6.3%Jul 09 — IV 49% · EM ±5.8%Jul 10 — IV 54% · EM ±6.0%Jul 13 — IV 70% · EM ±5.8%Jul 14 — IV 78% · EM ±5.6%Jul 15 — IV 114% · EM ±6.8%Jul 16 — IV 216% · EM ±9.0%Jul 20 — IV 47% · EM ±11.1%Jul 21 — IV 55% · EM ±12.8%Jul 22 — IV 56% · EM ±12.8%Jul 23 — IV 54% · EM ±12.2%Jul 24 — IV 28% · EM ±6.1%Jul 27 — IV 26% · EM ±5.4%Jul 28 — IV 15% · EM ±3.2%Jul 29 — IV 16% · EM ±3.2%Jul 30 — IV 26% · EM ±5.0%Jul 31 — IV 25% · EM ±4.8%Aug 03 — IV 15% · EM ±2.7%Aug 04 — IV 14% · EM ±2.4%Aug 05 — IV 14% · EM ±2.3%Aug 06 — IV 26% · EM ±4.3%Aug 07 — IV 29% · EM ±4.5%Aug 10 — IV 60% · EM ±8.3%Aug 11 — IV 64% · EM ±8.5%Aug 12 — IV 30% · EM ±3.8%Aug 13 — IV 5% · EM ±0.6%Aug 18 — IV 95% · EM ±6.9%Aug 19 — IV 128% · EM ±7.5%Aug 20 — IV 256% · EM ±10.7%Aug 24 — IV 58% · EM ±12.1%Aug 25 — IV 56% · EM ±11.5%Aug 26 — IV 60% · EM ±12.1%Aug 27 — IV 51% · EM ±9.9%Aug 28 — IV 63% · EM ±12.0%Aug 31 — IV 62% · EM ±11.0%Sep 01 — IV 59% · EM ±10.1%Sep 02 — IV 73% · EM ±12.3%Sep 03 — IV 75% · EM ±12.1%Sep 04 — IV 75% · EM ±11.7%Sep 07 — IV 85% · EM ±11.7%Sep 08 — IV 80% · EM ±10.6%Sep 09 — IV 78% · EM ±9.8%Sep 10 — IV 65% · EM ±7.7%Sep 11 — IV 92% · EM ±10.2%Sep 14 — IV 124% · EM ±10.4%Sep 15 — IV 121% · EM ±8.8%Sep 16 — IV 190% · EM ±11.2%Sep 17 — IV 275% · EM ±11.5%Sep 21 — IV 59% · EM ±12.3%Sep 22 — IV 32% · EM ±6.5%Sep 23 — IV 51% · EM ±10.3%Sep 24 — IV 48% · EM ±9.5%Sep 25 — IV 57% · EM ±10.9%Sep 28 — IV 62% · EM ±11.0%Sep 29 — IV 52% · EM ±8.9%Sep 30 — IV 47% · EM ±7.9%Oct 01 — IV 59% · EM ±9.6%Oct 02 — IV 64% · EM ±10.0%Oct 06 — IV 58% · EM ±7.7%

Sector peers

FNB
F.N.B. Corporation
$6.0B $18.18+2.9%
HWC
Hancock Whitney Corporation
$5.7B $73.48-0.9%
GBCI
Glacier Bancorp, Inc.
$5.6B $45.99+3.4%
AUB
Atlantic Union Bankshares Corporation
$5.4B $40.10+5.0%
ASB
Associated Banc-Corp
$5.4B $29.81+2.5%
ABCB
Ameris Bancorp
$5.3B $82.37+2.1%

UBSI earnings FAQ

What is UBSI's expected move for earnings?

Options currently price a move of about ±7.7%, or $3.73 per share either way from $48.46.

How does UBSI stock usually react to earnings?

Across the last 6 reports the average next-day move was ±0.6%, up 2 times and down 4 times.

What is UBSI's implied volatility?

UBSI's at-the-money implied volatility is about 58% based on the latest options snapshot.

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