For the quarter ended June 2025, United Bankshares (UBSI Quick QuoteUBSI - Free Report) reported revenue of $306.79 million, up 19.5% over the same period last year. EPS came in at $0.85, compared to $0.71 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $298 million, representing a surprise of +2.95%. The company delivered an EPS surprise of +10.39%, with the consensus EPS estimate being $0.77.

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: 48.4% versus the three-analyst average estimate of 50%.
• Earning assets-Average balance: $28.95 billion versus $29.18 billion estimated by three analysts on average.
• Net interest margin: 3.8% compared to the 3.7% average estimate based on three analysts.
• Net Charge-off (% of Average Loans): 0.1% versus the two-analyst average estimate of 0.1%.
• Income from mortgage banking operations: $2.6 million compared to the $3.28 million average estimate based on three analysts.
• Total Noninterest Income: $31.46 million compared to the $30.44 million average estimate based on three analysts.
• Income from bank-owned life insurance: $3.62 million versus $2.94 million estimated by two analysts on average.
• Other income: $2.1 million versus the two-analyst average estimate of $2.01 million.
• Fees from deposit services: $9.66 million compared to the $9.79 million average estimate based on two analysts.
• Other service charges, commissions, and fees: $1.15 million compared to the $1 million average estimate based on two analysts.
• Bankcard fees and merchant discounts: $2.1 million compared to the $1.89 million average estimate based on two analysts.
• Net Interest Income (Taxable Equivalent): $275.33 million versus $266.03 million estimated by two analysts on average.

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

Shares of United Bankshares have returned +2.2% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.