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Here's What Key Metrics Tell Us About United Bankshares (UBSI) Q2 Earnings
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For the quarter ended June 2026, United Bankshares (UBSI - Free Report) reported revenue of $324.61 million, up 5.8% over the same period last year. EPS came in at $0.95, compared to $0.85 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $321.44 million, representing a surprise of +0.99%. The company delivered an EPS surprise of +6.74%, with the consensus EPS estimate being $0.89.
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: 47.8% versus the three-analyst average estimate of 48.1%.
Earning assets-Average balance: $30.1 billion compared to the $30.48 billion average estimate based on three analysts.
Net interest margin: 3.8% compared to the 3.8% 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: $2.92 million versus the three-analyst average estimate of $2.86 million.
Total Noninterest Income: $38.51 million compared to the $32.54 million average estimate based on three analysts.
Income from bank-owned life insurance: $3.13 million versus the two-analyst average estimate of $3.3 million.
Fees from deposit services: $10.07 million versus $10.06 million estimated by two analysts on average.
Other service charges, commissions, and fees: $1.23 million versus $1.13 million estimated by two analysts on average.
Bankcard fees and merchant discounts: $2.37 million compared to the $2.03 million average estimate based on two analysts.
Net Interest Income (Taxable Equivalent): $286.1 million compared to the $288.74 million average estimate based on two analysts.
Net Interest Income: $285.31 million versus the two-analyst average estimate of $287.93 million.
Shares of United Bankshares have returned +2.7% over the past month versus the Zacks S&P 500 composite's +0.4% 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.
View the Zacks #1 Rank List
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Here's What Key Metrics Tell Us About United Bankshares (UBSI) Q2 Earnings
For the quarter ended June 2026, United Bankshares (UBSI - Free Report) reported revenue of $324.61 million, up 5.8% over the same period last year. EPS came in at $0.95, compared to $0.85 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $321.44 million, representing a surprise of +0.99%. The company delivered an EPS surprise of +6.74%, with the consensus EPS estimate being $0.89.
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:View all Key Company Metrics for United Bankshares here>>>
Shares of United Bankshares have returned +2.7% over the past month versus the Zacks S&P 500 composite's +0.4% 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.