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United Bankshares UBSI Financing Receivables

Financing Receivables at other companies

First United logo
First UnitedFUNC
$1.57B+4.6%
Northwest Bancshares logo
Northwest BancsharesNWBI
$13.23B+16.6%
BankUnited logo
BankUnitedBKU
$405M-98.3%
Center Bancorp logo
Center BancorpCNOB
$11.74B+44.6%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$6.84B+20.3%
United Community Banks logo
United Community BanksUCB

Other financials

Income statement

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Revenue$323.8M+5.8%
Net income$131.4M+8.8%
EPS (diluted)$0.95+11.8%

Balance sheet

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Cash & equivalents$2.1B-10.1%
Total debt$549.4M-1.7%
Total equity$5.5B+2.7%
Total assets$33.8B+3.0%

Cash flow

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Operating cash flow$105.2M+17.7%
CapEx$7.2M+71.7%
Free cash flow$98.0M+15.0%

Valuation

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Market cap$6.62B+30.2%
Enterprise value$5.09B+52.9%
P/E12.8×0.0×
P/S5.2×+0.6×

Profitability

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Net margin40.2%+4.9pp
FCF margin41.6%+0.8pp

Returns & leverage

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Return on equity9.5%+1.8pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by United Bankshares in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableNet.

The source filing: United Bankshares’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:11 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-339565
(Dollars in thousands, except par value)June 30 2026December 31 2025
Less: Unearned income(11,714)(11,498)
Loans and leases, net of unearned income24,994,52424,709,122
Less: Allowance for loan and lease losses(299,504)(297,518)
Net loans and leases24,695,02024,411,604
Bank premises and equipment211,289208,831
Operating lease right-of-use assets92,77289,312
Goodwill2,018,8482,018,848
Bank-owned life insurance (“BOLI”)558,032547,127

Item 1. FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is United Bankshares's financing receivables?
United Bankshares (UBSI) reported financing receivables of $24.7B in Q2 2026.
How has United Bankshares's financing receivables changed year-over-year?
United Bankshares's financing receivables increased by 4.0% year-over-year, from $23.74B to $24.7B.
What is the long-term trend for United Bankshares's financing receivables?
Over 2 years (2023 to 2025), United Bankshares's financing receivables has grown at a 7.6% compound annual growth rate (CAGR), from $21.1B to $24.41B.
What does financing receivables mean?
Receivables arising from financing activities, such as loans or lease receivables.

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