How United Bankshares (UBSI) Makes Money: A Visual Guide
United Bankshares (UBSI) generated $1.83B in revenue, earning $507.98M in net profit (27.7% margin). Its largest revenue source is Deposit Account (36.7% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
In TTM through Q1 2026, United Bankshares (UBSI) generated revenue across 6 reportable product segments; the largest contributor was Deposit Account at 36.7%, followed by Fiduciary and Trust (24.3%) and Service, Other (18.5%).
United Bankshares (UBSI) Income Statement Flow — TTM through Q1 2026
Calculated from the four most recent reported quarters, ending (reported ).
United Bankshares (UBSI) Revenue by Product Segment — TTM through Q1 2026
Revenue contribution by product segment for United Bankshares (UBSI) in TTM through Q1 2026.
Deposit Account
- Revenue
- $671.61M
- % of total
- 36.7%
Fiduciary and Trust
- Revenue
- $445.27M
- % of total
- 24.3%
Service, Other
- Revenue
- $338.20M
- % of total
- 18.5%
Mortgage Banking
- Revenue
- $159.73M
- % of total
- 8.7%
Credit Card
- Revenue
- $136.97M
- % of total
- 7.5%
Financial Service, Other
- Revenue
- $79.25M
- % of total
- 4.3%
Total
- Revenue
- $1.83B
- % of total
- 100%
| Segment | Revenue | % of total |
|---|---|---|
| Deposit Account | $671.61M | 36.7% |
| Fiduciary and Trust | $445.27M | 24.3% |
| Service, Other | $338.20M | 18.5% |
| Mortgage Banking | $159.73M | 8.7% |
| Credit Card | $136.97M | 7.5% |
| Financial Service, Other | $79.25M | 4.3% |
| Total | $1.83B | 100% |
Frequently asked questions
How does United Bankshares (UBSI) make money?
United Bankshares (UBSI) primarily makes money through Deposit Account, which accounts for 36.7% of total revenue. For TTM through Q1 2026, United Bankshares generated $1.83B in total revenue with a net profit margin of 27.7%.
What is United Bankshares (UBSI) gross profit margin?
United Bankshares (UBSI) reported a gross profit margin of 67.9% for TTM through Q1 2026, equivalent to $1.24B in gross profit. This means United Bankshares retains 67.9% of each revenue unit after direct costs of production.
What is United Bankshares (UBSI) operating profit margin?
United Bankshares (UBSI) reported an operating profit margin of 35.1% for TTM through Q1 2026, equivalent to $643.13M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is United Bankshares (UBSI) net profit margin?
United Bankshares (UBSI) reported a net profit margin of 27.7% for TTM through Q1 2026, equivalent to $507.98M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does United Bankshares (UBSI) spend on capital expenditures?
United Bankshares (UBSI) spent $12.90M on capital expenditures in TTM through Q1 2026 (0.7% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is United Bankshares (UBSI) free cash flow?
United Bankshares (UBSI) generated $526.88M in free cash flow for TTM through Q1 2026 (28.8% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is United Bankshares (UBSI) effective tax rate?
United Bankshares (UBSI) had an effective tax rate of 20.2% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.
What are United Bankshares (UBSI) main revenue segments?
United Bankshares (UBSI) reports revenue across 6 reportable product segments, led by Deposit Account at 36.7% of total revenue in TTM through Q1 2026. The full segment-by-segment breakdown is shown in the revenue-by-segment table on this page.
Data & methodology
What is a Sankey diagram?
A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
Where do segment and geographic numbers come from?
Product-segment shares come from the same TTM income statement that powers the Sankey chart. Geographic splits are first rebuilt from the four most recent quarterly geographic-segmentation filings so they align with the same TTM window; if quarterly geo data is missing, we fall back to the latest annual disclosure (the table heading shows which one is in use).
When was this data last updated?
Based on company filings through TTM through Q1 2026.
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