Filing Flows › United Bankshares (UBSI) › How it makes money
How United Bankshares (UBSI) makes money
United Bankshares (UBSI) made $325M of revenue in the third quarter 2026 (Q3 2026), +0.5% from a year earlier. Net interest income brought in $294M (91%); Noninterest income brought in $30.8M (9%). Of every dollar of revenue, 50¢ was left as operating profit, 40¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $294M | 90.5% | +3% | +5% |
| Noninterest income | $30.8M | 9.5% | -20% | -29% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $325M | 100.0% |
| Operating profit | $162M | 49.9% |
| Income tax | $33.4M | 10.3% |
| Net earnings | $129M | 39.6% |
| Operating cash flow | $168M | 51.6% |
| Free cash flow | $163M | 50.0% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $325M | +0.5% |
From United Bankshares' 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does United Bankshares make money?
United Bankshares (UBSI) made $325M of revenue in the third quarter 2026 (Q3 2026), +0.5% from a year earlier. Net interest income brought in $294M (91%); Noninterest income brought in $30.8M (9%). Of every dollar of revenue, 50¢ was left as operating profit, 40¢ was left as net earnings.
What is United Bankshares' biggest business?
Net interest income: $294M in the third quarter 2026, 91% of revenue, +5% from a year earlier.
What is United Bankshares' profit margin?
Net earnings were $129M, 39.6% of revenue, in the third quarter 2026; the operating margin was 49.9%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.