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United Bankshares UBSI Gain (Loss) on Sales of Loans, Net

Gain (Loss) on Sales of Loans, Net at other companies

Valley National Bank logo
Valley National BankVLY
$3.09M+40.6%
Prosperity Bancshares logo
Prosperity BancsharesPB

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:GainLossOnSalesOfLoansNet.

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 gain (loss) on sales of loans, net?
United Bankshares (UBSI) reported gain (loss) on sales of loans, net of $2.39M in Q4 2025.
How has United Bankshares's gain (loss) on sales of loans, net changed year-over-year?
United Bankshares's gain (loss) on sales of loans, net decreased by 40.4% year-over-year, from $4.02M to $2.39M.
What is the long-term trend for United Bankshares's gain (loss) on sales of loans, net?
Over 4 years (2021 to 2025), United Bankshares's gain (loss) on sales of loans, net has grown at a -50.6% compound annual growth rate (CAGR), from $161.11M to $9.57M.
What does gain (loss) on sales of loans, net mean?
This metric measures the net profit or loss realized from selling loans into the secondary market, calculated as the difference between the sale proceeds and the carrying value of the loans. It reflects the profitability of the mortgage banking segment and the company's ability to price loans competitively. Consistent gains indicate effective risk management and favorable market conditions for loan sales.