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United Bankshares UBSI Amortization And Accretion

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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:AmortizationAndAccretion.

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 amortization and accretion?
United Bankshares (UBSI) reported amortization and accretion of $7.47M in Q4 2025.
How has United Bankshares's amortization and accretion changed year-over-year?
United Bankshares's amortization and accretion increased by 462.1% year-over-year, from $1.33M to $7.47M.
What is the long-term trend for United Bankshares's amortization and accretion?
Over 4 years (2021 to 2025), United Bankshares's amortization and accretion has grown at a 36.2% compound annual growth rate (CAGR), from $8.67M to $29.86M.
What does amortization and accretion mean?
This metric represents the non-cash adjustments to income resulting from the systematic allocation of discounts or premiums on financial instruments over their expected life. It reflects the gradual recognition of interest income or expense adjustments that do not involve immediate cash flows. Investors use this to understand the underlying yield adjustments on the company's investment and loan portfolios.