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United Bankshares vs Hilltop Holdings: UBSI and HTH compared
United Bankshares is the larger company: $325M of revenue in its latest quarter (Q3 2026) against $310M for Hilltop Holdings (Q3 2026). United Bankshares is growing faster (+0.5% against -6% a year earlier). United Bankshares is more profitable, with an operating margin of 49.9% against 11.4%.
Where the money goes: UBSI and HTH
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.
Hilltop Holdings (HTH) · Q3 2026
Hilltop Holdings, Q3 2026: revenue $310M (-6% year over year), operating margin 11.4%, net earnings $24.9M, operating cash flow $508M. The chart follows the revenue to costs, profit and cash.
| United Bankshares (UBSI) | Hilltop Holdings (HTH) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $325M | $310M |
| Revenue growth, Y/Y | +0.5% | -6% |
| Operating margin | 49.9% | 11.4% |
| Net earnings | $129M | $24.9M |
| Net margin | 39.6% | 8.0% |
| Operating cash flow | $168M | $508M |
| Free cash flow | $163M | $504M |
| Market value | $6.3B | — |
| P/E | 12.3× | — |
| Analysts’ mean target | $51.67 | — |
Where the revenue comes from
United Bankshares
- Net interest income: $294M (91%)
- Noninterest income: $30.8M (9%)
Hilltop Holdings
- Noninterest income: $187M (60%)
- Net interest income: $122M (40%)
Questions
Which is bigger, United Bankshares or Hilltop Holdings?
United Bankshares is the larger company: $325M of revenue in its latest quarter (Q3 2026) against $310M for Hilltop Holdings (Q3 2026).
Is United Bankshares or Hilltop Holdings growing faster?
United Bankshares is growing faster (+0.5% against -6% a year earlier).
Which is more profitable, United Bankshares or Hilltop Holdings?
United Bankshares is more profitable, with an operating margin of 49.9% against 11.4%.
More: United Bankshares earnings · how United Bankshares makes money · Hilltop Holdings earnings · how Hilltop Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Oct 23, 2026). Fiscal quarters can end on different dates. Not investment advice.