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United Bankshares vs Ameris Bancorp: UBSI and ABCB compared
United Bankshares is the larger company: $325M of revenue in its latest quarter (Q3 2026) against $322M for Ameris Bancorp (Q3 2026). Ameris Bancorp is growing faster (+2% against +0.5% a year earlier). United Bankshares is more profitable, with an operating margin of 49.9% against 46.8%.
Where the money goes: UBSI and ABCB
United Bankshares (UBSI) · Q3 2026
United Bankshares, Q3 2026: revenue $325M (+0.5% year over year), operating margin 49.9%, net earnings $129M, operating cash flow $168M. The chart follows the revenue to costs, profit and cash.
Ameris Bancorp (ABCB) · Q3 2026
Ameris Bancorp, Q3 2026: revenue $322M (+2% year over year), operating margin 46.8%, net earnings $116M, operating cash flow $220M. The chart follows the revenue to costs, profit and cash.
| United Bankshares (UBSI) | Ameris Bancorp (ABCB) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $325M | $322M |
| Revenue growth, Y/Y | +0.5% | +2% |
| Operating margin | 49.9% | 46.8% |
| Net earnings | $129M | $116M |
| Net margin | 39.6% | 36.1% |
| Operating cash flow | $168M | $220M |
| Free cash flow | $163M | $214M |
| Market value | $6.3B | $5.3B |
| P/E | 12.3× | 13.7× |
| Analysts’ mean target | $51.67 | $93.00 |
Where the revenue comes from
United Bankshares
- Net interest income: $294M (91%)
- Noninterest income: $30.8M (9%)
Ameris Bancorp
- Net interest income: $258M (80%)
- Noninterest income: $64.2M (20%)
Questions
Which is bigger, United Bankshares or Ameris Bancorp?
United Bankshares is the larger company: $325M of revenue in its latest quarter (Q3 2026) against $322M for Ameris Bancorp (Q3 2026).
Is United Bankshares or Ameris Bancorp growing faster?
Ameris Bancorp is growing faster (+2% against +0.5% a year earlier).
Which is more profitable, United Bankshares or Ameris Bancorp?
United Bankshares is more profitable, with an operating margin of 49.9% against 46.8%.
More: United Bankshares earnings · how United Bankshares makes money · Ameris Bancorp earnings · how Ameris Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.