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United Bankshares UBSI Bank Owned Life Insurance

Bank Owned Life Insurance at other companies

Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$309.36M+50.1%
Old National Bancorp logo
Old National BancorpONB
$1.05B+22.8%
ServisFirst Bancshares logo
ServisFirst BancsharesSFBS
$436.27M+44.5%
Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
$675.82M+36.0%
F.N.B. Corporation logo
F.N.B. CorporationFNB
$671M+1.4%
Ameris Bancorp logo
Ameris BancorpABCB
$424.16M+3.2%

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:BankOwnedLifeInsurance.

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 bank owned life insurance?
United Bankshares (UBSI) reported bank owned life insurance of $551.31M in Q1 2026.
How has United Bankshares's bank owned life insurance changed year-over-year?
United Bankshares's bank owned life insurance increased by 2.3% year-over-year, from $538.73M to $551.31M.
What is the long-term trend for United Bankshares's bank owned life insurance?
Over 4 years (2021 to 2025), United Bankshares's bank owned life insurance has grown at a 3.4% compound annual growth rate (CAGR), from $478.07M to $547.13M.
What does bank owned life insurance mean?
This represents the cash surrender value of life insurance policies purchased by the bank on the lives of its employees or executives. It is often used as a tax-advantaged investment vehicle to offset the costs of employee benefit programs.