UBSI Q3 EPS $0.94, Record NII; Guides 4Q NII to $296-301M
UBSI sits 34% above its 52-week low of $34.684.
Summary
United Bankshares earned $0.94 per share in Q3 on record net interest income of $294.3 million and a 3.86% margin, and guided 4Q26 net interest income to $296-301 million while announcing a Florida expansion.
Key Events · Earnings and Guidance · UBSI
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Q3 EPS $0.94, Net Income $128.7M
Diluted EPS of $0.94 versus $0.95 in 2Q26 and $0.92 in 3Q25; net income of $128.7 million versus $131.4 million linked-quarter.
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Record Net Interest Income, Margin 3.86%
Net interest income rose $8.9 million, or 3%, to a record $294.3 million, and the net interest margin widened to 3.86% from 3.81%.
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4Q26 Guidance: NII $296-301M
Full-year 2026 net interest income guided to $1.158-1.163 billion; 4Q26 provision expense planning assumption $8.5 million and noninterest expense $155-159 million.
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Buybacks Continue, 5.1M Shares Left
Repurchased 2.1 million shares for $98.7 million in 3Q26 and another 368 thousand shares for $17.0 million from 10/01/26 through 10/21/26, leaving 5.1 million shares available under the approved plan.
Analysis · UBSI · Finance
Third-quarter EPS of $0.94 came in a penny below the $0.95 reported for the second quarter, and net income of $128.7 million was down from $131.4 million, largely because noninterest income fell $7.7 million after a $2.8 million securities gain in 2Q flipped to a $0.3 million loss. The core bank is still growing: net interest income hit a record $294.3 million as the margin widened to 3.86% from 3.81%, loans grew about 7.5% annualized and deposits about 7.9%. What is new for investors is the forward guide — 4Q26 net interest income of $296-301 million and full-year $1.158-1.163 billion, with provision expense stepping up to $8.5 million in 4Q — plus a de novo Florida branch announcement and continued buyback activity (2.1 million shares for $98.7 million in the quarter, 5.1 million still authorized).
How filings like this one have moved
In the 30 days to Oct 22, 2026, 29.4% of the 1560 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.47%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, UBSI was trading at $46.50 on NASDAQ in the Finance sector, with a market capitalization of approximately $6.4B. The 52-week trading range was $34.68 to $49.62. This filing was assessed with neutral market sentiment and an importance score of 7 out of 10.