United Bankshares (UBSI) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Financial Performance - For the quarter ended December 2024, United Bankshares (UBSI) reported revenue of $262.72 million, down 0.6% year-over-year [1] - EPS for the quarter was $0.69, an increase from $0.66 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $261.09 million, resulting in a surprise of +0.63% [1] - The company delivered an EPS surprise of +1.47%, with the consensus EPS estimate being $0.68 [1] Key Metrics - Efficiency Ratio was reported at 51.2%, better than the average estimate of 52.7% based on two analysts [4] - Average balance of earning assets was $26.69 billion, compared to the estimated $26.26 billion [4] - Net interest margin was reported at 3.5%, matching the average estimate of 3.5% [4] - Net Charge-off as a percentage of Average Loans was 0.1%, consistent with the average estimate [4] - Total Noninterest Income was $29.32 million, below the estimated $30.68 million [4] - Income from mortgage banking operations was $2.31 million, significantly lower than the average estimate of $4.30 million [4] Stock Performance - Shares of United Bankshares have returned -0.3% over the past month, while the Zacks S&P 500 composite increased by +2.5% [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]