How United Bankshares (UBSI) Makes Money: A Visual Guide
United Bankshares (UBSI) generated $1.82B in revenue (TTM through Q4 2025), earning $464.60M in net profit (25.5% margin). Its largest revenue source is Deposit Account (37.6% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
United Bankshares (UBSI) Income Statement Flow
Frequently asked questions
How does United Bankshares (UBSI) make money?
- United Bankshares (UBSI) primarily makes money through Deposit Account, which accounts for 37.6% of total revenue. For TTM through Q4 2025, United Bankshares generated $1.82B in total revenue with a net profit margin of 25.5%.
What is United Bankshares (UBSI) gross profit margin?
- United Bankshares (UBSI) reported a gross profit margin of 65.4% for TTM through Q4 2025, equivalent to $1.19B in gross profit. This means United Bankshares retains 65.4% 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 32.4% for TTM through Q4 2025, equivalent to $590.18M 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 25.5% for TTM through Q4 2025, equivalent to $464.60M 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 $11.96M on capital expenditures in TTM through Q4 2025 (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 $486.95M in free cash flow for TTM through Q4 2025 (26.7% 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 20.4% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
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.
When was this data last updated?
- Based on company filings through TTM through Q4 2025.
Explore more
UBSI — Overview
Company profile, financial tools, and key metrics
Explore
UBSI — Revenue Counter
See revenue per second, minute, hour, and day
Explore
UBSI — Earnings Counter
See earnings per second, minute, hour, and day
Explore
UBSI — Economic Scale
Compare revenue to country GDP
Explore
Full revenue rankings
Companies ranked by revenue
Explore