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United Bankshares UBSI Allowance for credit losses

Allowance for credit losses at other companies

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Truist FinancialTFC
$5.03B—
PNC Financial Services logo
PNC Financial ServicesPNC
$4.66B+2.6%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$327.89M+46.2%
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Old National BancorpONB
$574.36M+42.9%
ServisFirst Bancshares logo
ServisFirst BancsharesSFBS
$173.91M+5.4%
International Bancshares logo
International BancsharesIBOC
$160.44M+1.1%

Other financials

Income statement

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Revenue$316.6M+9.3%
Net income$124.2M+47.3%
EPS (diluted)$0.89+50.8%

Balance sheet

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Cash & equivalents$2.3B-11.7%
Total debt$542.3M-4.6%
Total equity$5.5B+3.3%
Total assets$33.7B+2.8%

Cash flow

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Operating cash flow$160.9M+34.1%
CapEx$4.8M+24.3%
Free cash flow$156.0M+34.4%

Valuation

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Market cap$6.12B+16.3%
Enterprise value$4.36B+37.2%
P/E12.1×-2.1×
P/S4.8×-0.1×

Profitability

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Net margin39.9%+5.3pp
FCF margin41.2%+1.0pp

Returns & leverage

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Return on equity9.3%+2.0pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by United Bankshares in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLosses.

The official record: United Bankshares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Bankshares's allowance for credit losses?
United Bankshares (UBSI) reported allowance for credit losses of $299.6M in Q1 2026.
How has United Bankshares's allowance for credit losses changed year-over-year?
United Bankshares's allowance for credit losses decreased by 3.5% year-over-year, from $310.42M to $299.6M.
What is the long-term trend for United Bankshares's allowance for credit losses?
Over 5 years (2020 to 2025), United Bankshares's allowance for credit losses has grown at a 4.8% compound annual growth rate (CAGR), from $235.83M to $297.52M.
What does allowance for credit losses mean?
Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.