NASDAQ$UBSI

United Bankshares Inc/WV · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Earnings increased compared to the previous quarter but decreased compared to the same quarter last year, with growth and profitability acceleration and strong capital, liquidity, and asset quality positions maintained.

United Bankshares, Inc. reported Q3 2023 earnings of $96.2 million, or $0.71 per diluted share. This compares to $92.5 million, or $0.68 per diluted share, for the second quarter of 2023, and $102.6 million, or $0.76 per diluted share, for the third quarter of 2022. The results reflect accelerated growth and profitability, while maintaining strong capital, liquidity, and asset quality positions.

  • Earnings for Q3 2023 were $96.2 million, or $0.71 per diluted share.
  • Annualized return on average assets was 1.31%, average equity was 8.14%, and average tangible equity was 13.71%.
  • Net interest income increased by $992 thousand from the second quarter of 2023.
  • Noninterest income decreased by $1.5 million from the second quarter of 2023, primarily due to a decrease in mortgage loan servicing income.

Headline financials

Total Revenue

$262M

Previous: $273M-4.1%
EPS (adj)

$0.71

Previous: $0.76-6.6%
Net Interest Margin

3.5%

No prior period
Return on Avg Assets

1.3%

No prior period
ROE

8.1%

No prior period
Return on Tangible Equity

13.7%

No prior period
Capital Expenditures

-$8.48M

Previous: -$11.9M+28.5%
Free Cash Flow

$87.7M

Previous: $90.7M-3.4%
Net Income

$96.2M

Previous: $103M-6.3%
Operating Income

$50.4M

Previous: $171M-70.5%
Gross Profit

$262M

Previous: $273M-4.1%
Cash & Equivalents

$1.18B

Previous: $1.36B-12.7%
Total Assets

$29.2B

Previous: $29B+0.6%

Revenue & EPS history

United Bankshares · Revenue · Quarterly

$262M

Q3 2023-4.1%vs Q3 2022
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

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 Q3 2023

Historical avgQ3 2023

-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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