NASDAQ$UBSI

United Bankshares Inc/WV · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

United Bankshares' earnings increased slightly, driven by strong profitability metrics and well-controlled expenses.

United Bankshares reported earnings of $95.3 million, or $0.70 per diluted share, for the third quarter of 2024. The company's profitability metrics remained strong, growth trends continued upward, and expenses were well-controlled. Asset quality, liquidity, and capital levels also remain a source of strength.

  • Earnings for Q3 2024 were $95.3 million, or $0.70 per diluted share.
  • Annualized return on average assets was 1.28%.
  • Annualized return on average equity was 7.72%.
  • Net interest income increased by $4.5 million, or 2%, from the second quarter of 2024.

Headline financials

Total Revenue

$262M

Previous: $262M+0.0%
EPS

$0.70

Previous: $0.71-1.4%
Net Interest Margin

3.5%

Previous: 3.5%-0.6%
Return on Avg Assets

1.3%

Previous: 1.3%-2.3%
ROE

7.7%

Previous: 8.1%-5.2%
Return on Tangible Equity

12.6%

Previous: 13.7%-8.2%
Efficiency Ratio

51.6%

No prior period
Capital Expenditures

-$9.33M

Previous: -$8.48M-10.0%
Free Cash Flow

$85.9M

Previous: $87.7M-2.0%
Net Income

$95.3M

Previous: $96.2M-0.9%
Operating Income

$24.1M

Previous: $50.4M-52.2%
Gross Profit

$255M

Previous: $262M-2.6%
Cash & Equivalents

$1.91B

Previous: $1.18B+61.3%
Total Assets

$29.9B

Previous: $29.2B+2.2%

Revenue & EPS history

United Bankshares · Revenue · Quarterly

$262M

Q3 2024+0%vs Q3 2023
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

United Bankshares expects the merger with Piedmont Bancorp to close late in the fourth quarter of 2024 or early in the first quarter of 2025.

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 2024

Historical avgQ3 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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