NASDAQ$UBSI

United Bankshares Inc/WV · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Reported an increase in earnings compared to the previous quarter and year prior, driven by increases in profitability, capital, loans, and deposits, as well as decreases in expenses and non-performing assets.

United Bankshares, Inc. reported earnings of $96.5 million, or $0.71 per diluted share, for the second quarter of 2024. The company saw increases in profitability, capital, loans, and deposits, as well as decreases in expenses and non-performing assets. The company also announced a merger agreement with Piedmont Bancorp, Inc., expected to close late in the fourth quarter of 2024 or early in the first quarter of 2025.

  • Earnings for the second quarter of 2024 were $96.5 million, or $0.71 per diluted share.
  • Annualized returns on average assets, average equity and average tangible equity were 1.32%, 7.99% and 13.12%, respectively.
  • Net interest income increased $3.2 million, or 1%, from the first quarter of 2024.
  • Noninterest expense decreased $6.0 million, or 4%, from the first quarter of 2024.

Headline financials

Total Revenue

$256M

Previous: $263M-2.6%
EPS

$0.71

Previous: $0.68+4.4%
Net Interest Margin

3.5%

Previous: 3.5%-0.3%
Return on Avg Assets

1.3%

Previous: 1.3%+4.8%
ROE

8.0%

No prior period
Price / Book Ratio

0.9

No prior period
Capital Expenditures

-$7.75M

Previous: -$6.73M-15.2%
Free Cash Flow

$88.8M

Previous: $85.7M+3.5%
Net Income

$96.5M

Previous: $92.5M+4.4%
Operating Income

$23.5M

Previous: $66M-64.5%
Gross Profit

$250M

Previous: $263M-4.8%
Cash & Equivalents

$1.86B

Previous: $1.69B+9.8%
Total Assets

$30B

Previous: $29.7B+0.9%

Revenue & EPS history

United Bankshares · Revenue · Quarterly

$256M

Q2 2024-2.6%vs Q2 2023
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

The merger is expected to close late in the fourth quarter of 2024 or early in the first quarter of 2025, subject to satisfaction of customary closing conditions.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2024

Historical avgQ2 2024

-0.1%

Avg return

Earnings day

+0.0%

Avg return

5 days after

+2.0%

Avg return

30 days after

45%

31 / 69 earnings

Positive

+8.3%

Q3 2023

Best reaction

-6.5%

Q2 2017

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.2%+1.6%-0.3%
Q4 2025-0.1%-2.8%+3.5%
Q3 2025-0.7%+3.1%+5.1%
Q2 2025-0.3%-1.7%-1.1%
Q1 2025+2.1%+1.6%+4.8%
Q4 2024+0.2%-0.1%-7.3%
Q3 2024+0.5%+3.3%+16.0%
Q2 2024+6.2%+5.1%+4.5%
Q1 2024-4.1%-6.6%-5.9%
Q4 2023+1.7%-3.0%-6.9%
Q3 2023+8.3%+8.3%+28.4%
Q2 2023-0.4%-0.3%-12.2%
Q1 2023-0.4%-2.4%-8.3%
Q4 2022+1.3%+3.5%+5.4%
Q3 2022+8.2%+10.9%+10.6%
Q2 2022+1.3%+0.7%-0.2%
Q1 2022-1.7%-3.4%+7.3%
Q4 2021-3.6%-0.5%+0.4%
Q3 2021-5.8%-1.3%+3.7%
Q2 2021-1.5%-0.2%+3.0%
Q1 2021+2.7%+2.6%+8.8%
Q4 2020-2.0%+4.5%+14.3%
Q3 2020+0.5%-3.1%+13.4%
Q2 2020-2.0%-0.1%-6.2%
Q1 2020-6.5%-11.7%-6.6%
Q4 2019-1.5%-3.5%-18.8%
Q3 2019-0.1%+1.8%-4.4%
Q2 2019-0.1%+0.2%-6.2%
Q1 2019+1.3%+1.1%-4.1%
Q4 2018+0.7%+2.3%+9.6%
Q3 2018+0.6%+5.2%+9.8%
Q2 2018+3.4%+1.9%+9.0%
Q1 2018-1.1%-1.9%+5.9%
Q4 2017+2.1%+0.7%-1.5%
Q3 2017+1.6%-2.2%-4.6%
Q2 2017-6.5%-6.6%-8.8%
Q1 2017-4.5%-4.5%-7.1%
Q4 2016-0.5%+1.1%+1.4%
Q3 2016+0.5%+1.9%+27.0%
Q2 2016-2.4%-4.8%-1.2%
Q1 2016+0.3%
Q4 2015-0.5%
Q3 2015-3.1%
Q2 2015-2.9%
Q1 2015+2.5%
Q4 2014-2.3%
Q3 2014+1.1%
Q2 2014+5.4%
Q1 2014-1.2%
Q4 2013+2.0%
Q3 2013+0.3%
Q2 2013-1.8%
Q1 2013-2.1%
Q4 2012-2.7%
Q3 2012-0.2%
Q2 2012-0.7%
Q1 2012+0.9%
Q4 2011+1.2%
Q3 2011+3.4%
Q2 2011-0.3%
Q1 2010-1.7%
Q1 2011+1.7%
Q4 2008+2.7%
Q4 2010+2.7%
Q3 2009-1.0%
Q3 2010-1.0%
Q2 2010-2.7%
Q2 2009-2.7%
Q4 2009-2.7%

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