Compared to Estimates, United Bankshares (UBSI) Q3 Earnings: A Look at Key Metrics

For the quarter ended September 2025, United Bankshares (UBSI) reported revenue of $324.1 million, up 23.2% over the same period last year. EPS came in at $0.92, compared to $0.70 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $309.79 million, representing a surprise of +4.62%. The company delivered an EPS surprise of +12.2%, with the consensus EPS estimate being $0.82.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: 45.4% versus the three-analyst average estimate of 48.8%.Earning assets-Average balance: $29.42 billion compared to the $29.3 billion average estimate based on three analysts.Net interest margin: 3.8% versus the three-analyst average estimate of 3.7%.Net Charge-off (% of Average Loans): 0.3% versus 0.1% estimated by two analysts on average.Income from mortgage banking operations: $2.5 million versus the three-analyst average estimate of $3.11 million.Total Noninterest Income: $43.2 million versus $31.87 million estimated by three analysts on average.Income from bank-owned life insurance: $3.46 million versus $3.62 million estimated by two analysts on average.Other income: $2.39 million versus $2.11 million estimated by two analysts on average.Fees from deposit services: $10.15 million versus the two-analyst average estimate of $9.78 million.Other service charges, commissions, and fees: $1.18 million versus $1.13 million estimated by two analysts on average.Bankcard fees and merchant discounts: $1.86 million compared to the $2.11 million average estimate based on two analysts.Net Interest Income (Taxable Equivalent): $280.9 million versus $277.99 million estimated by two analysts on average.View all Key Company Metrics for United Bankshares here>>>Shares of United Bankshares have returned -5.6% over the past month versus the Zacks S&P 500 composite's +0.2% 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.Radical New Technology Could Hand Investors Huge GainsQuantum Computing is the next technological revolution, and it could be even more advanced than AI.While some believed the technology was years away, it is already present and moving fast. Large hyperscalers, such as Microsoft, Google, Amazon, Oracle, and even Meta and Tesla, are scrambling to integrate quantum computing into their infrastructure.Senior Stock Strategist Kevin Cook reveals 7 carefully selected stocks poised to dominate the quantum computing landscape in his report, Beyond AI: The Quantum Leap in Computing Power.Kevin was among the early experts who recognized NVIDIA's enormous potential back in 2016. Now, he has keyed in on what could be "the next big thing" in quantum computing supremacy. Today, you have a rare chance to position your portfolio at the forefront of this opportunity.See Top Quantum Stocks Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report United Bankshares, Inc. (UBSI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks