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United Bankshares UBSI Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

ServisFirst Bancshares logo
ServisFirst BancsharesSFBS
$16K+167%
First Financial Bankshares logo
First Financial BanksharesFFIN
-$7.86M+17.3%
SouthState logo
SouthStateSSB
-$2.6M-7.0%
Commerce Bancshares logo
Commerce BancsharesCBSH
$1.79M-52.1%
BOK Financial logo
BOK FinancialBOKF
$12.41M-1.7%

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:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The official record: United Bankshares’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Bankshares's accretion (amortization) of discounts and premiums, investments?
United Bankshares (UBSI) reported accretion (amortization) of discounts and premiums, investments of -$3.86M in Q4 2025.
How has United Bankshares's accretion (amortization) of discounts and premiums, investments changed year-over-year?
United Bankshares's accretion (amortization) of discounts and premiums, investments decreased by 1.0% year-over-year, from -$3.82M to -$3.86M.
What is the long-term trend for United Bankshares's accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), United Bankshares's accretion (amortization) of discounts and premiums, investments has grown at a 4.9% compound annual growth rate (CAGR), from -$12.72M to -$15.42M.
What does accretion (amortization) of discounts and premiums, investments mean?
This metric tracks the adjustment of the carrying value of investment securities to their par value over the remaining term to maturity. It reflects the impact of market interest rate fluctuations on the yield of the investment portfolio. Understanding this helps investors distinguish between core interest income and adjustments driven by accounting conventions.