Filing Flows › United Bankshares (UBSI) › Q3 2026 › vs Q3 2025
United Bankshares (UBSI) Q3 2026 vs Q3 2025 (year over year)
United Bankshares's revenue rose $1.8M (+0.5%) from $323M in Q3 2025 to $325M in Q3 2026. The biggest changes: Net interest income +$14.1M (+5%); Noninterest income −$12.4M (-29%). Operating margin 49.9% against 50.9% (-1.0 pts).
United Bankshares, Q3 2026: revenue $325M (+0.5% year over year), operating margin 49.9%, net earnings $129M, operating cash flow $168M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 49.9% | 50.9% | -1.0 pts |
| Net margin | 39.6% | 40.4% | -0.8 pts |
| Free cash flow margin | 50.0% | 45.3% | +4.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $294M | $280M | $14.1M | +5% |
| Noninterest income | $30.8M | $43.2M | −$12.4M | -29% |
| Revenue | $325M | $323M | $1.8M | +0.5% |
| Operating profit | $162M | $164M | −$2.3M | -1% |
| Costs & expenses | $163M | $159M | $4.1M | +3% |
| Pre-tax earnings | $162M | $164M | −$2.3M | -1% |
| Credit loss provision | $6.2M | $12.1M | −$5.9M | -48% |
| Noninterest expense | $157M | $147M | $10.0M | +7% |
| Net earnings | $129M | $131M | −$2.0M | -2% |
| Income tax | $33.4M | $33.7M | −$298K | -0.9% |
| Share-based compensation | $3.9M | $3.4M | $418K | +12% |
| Working capital & other | $35.2M | $16.5M | $18.7M | +114% |
| Operating cash flow | $168M | $151M | $17.1M | +11% |
| Free cash flow (OCF − capex) | $163M | $146M | $16.3M | +11% |
| Capital expenditures | $5.1M | $4.2M | $839K | +20% |
Questions
How much did United Bankshares's revenue grow year over year in Q3 2026?
United Bankshares's revenue rose $1.8M (+0.5%) from $323M in Q3 2025 to $325M in Q3 2026.
What drove United Bankshares's revenue change in Q3 2026?
Net interest income +$14.1M (+5%); Noninterest income −$12.4M (-29%).