Skip to content
Screener

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

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

Chain Bridge Bancorp logo
Chain Bridge BancorpCBNA
$623K-46.4%
Northwest Bancshares logo
Northwest BancsharesNWBI
$54K+5.9%
Center Bancorp logo
Center BancorpCNOB
$224K+221%
First Community Bankshares logo
First Community BanksharesFCBC
$11.42M+3,268%
Union Bankshares logo
Union BanksharesUNB
-$22K+84.6%
Midland States Bancorp logo
Midland States BancorpMSBI
$4.39M+52.5%

Other financials

Income statement

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

Balance sheet

See full
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

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

Valuation

See full
Market cap$6.55B+28.8%
Enterprise value$5.01B+50.7%
P/E12.7×-0.2×
P/S5.1×+0.6×

Profitability

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

Returns & leverage

See full
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:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The source filing: United Bankshares’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 1:06 PM EST
Fiscal year
FY2025
Accession
0001193125-26-081470
(Dollars in thousands)Year Ended December 31 / 2025Year Ended December 31 / 2024Year Ended December 31 / 2023
Stock-based compensation13,08912,13012,463
Excess tax benefits from stock-based compensation arrangements83258128
Deferred income tax expense (benefit)16,645(3,368)(2,921)
Amortization of tax credit investments15,42415,27715,238
Originations of mortgage servicing rights00(715)
Gain on sale of mortgage servicing rights0(7,086)(8,306)
Increase in cash surrender value of bank-owned life insurance policies(14,489)(14,150)(9,267)
(Amortization) accretion of net periodic pension costs(2,257)10159

Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

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.

Ask your AI about United Bankshares's accretion (amortization) of discounts and premiums, investments.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude