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United Bankshares UBSI Reserve For Lending Related Commitments

Reserve For Lending Related Commitments at other companies

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Rockwell AutomationROK
$470M+21.8%
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$322M-13.0%
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Northern TrustNTRS
$169.7M-2.8%
Bank of America logo
Bank of AmericaBAC
$1.16B+4.6%
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Wells Fargo & CompanyWFC
$510M-2.5%
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Bank of AmericaBAC
$1.16B+4.6%

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 ubsi:ReserveForLendingRelatedCommitments.

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 reserve for lending related commitments?
United Bankshares (UBSI) reported reserve for lending related commitments of $37.05M in Q1 2026.
How has United Bankshares's reserve for lending related commitments changed year-over-year?
United Bankshares's reserve for lending related commitments increased by 1.3% year-over-year, from $36.57M to $37.05M.
What is the long-term trend for United Bankshares's reserve for lending related commitments?
Over 5 years (2020 to 2025), United Bankshares's reserve for lending related commitments has grown at a 12.7% compound annual growth rate (CAGR), from $19.25M to $35.08M.
What does reserve for lending related commitments mean?
This represents the estimated liability for off-balance sheet credit exposures, such as unfunded loan commitments and letters of credit. It reflects the bank's assessment of potential future losses on commitments that have not yet been fully drawn by borrowers.