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United Bankshares UBSI Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

First United logo
First UnitedFUNC
$377K+8.0%
HOM
Home BancSharesHOMB
$1.55M+9.8%
Northwest Bancshares logo
Northwest BancsharesNWBI
$2.01M+41.7%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$1.54M+28.0%
Midland States Bancorp logo
Midland States BancorpMSBI
$2.08M-11.1%
National Bankshares logo
National BanksharesNKSH
$306K+3.0%

Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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Market cap$6.65B+31.6%
Enterprise value$5.12B+55.2%
P/E12.9×+0.1×
P/S5.2×+0.7×

Profitability

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

Returns & leverage

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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:BankOwnedLifeInsuranceIncome.

The source filing: United Bankshares’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:11 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-339565
(Dollars in thousands, except per share data)Three Months Ended June 30 / 2026Three Months Ended June 30 / 2025Six Months Ended June 30 / 2026Six Months Ended June 30 / 2025
Fees from deposit services10,0699,66419,64618,971
Bankcard fees and merchant discounts2,3672,1024,3443,853
Other service charges, commissions, and fees1,2261,1542,3252,235
Income from bank-owned life insurance3,1343,6186,1286,988
Income from mortgage banking activities2,9222,6035,4775,082
Net investment securities gains2,7854255,050946
Other income4,0492,1015,3852,719
Total other income38,50631,46072,56961,014

Item 1. FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is United Bankshares's bank owned life insurance income?
United Bankshares (UBSI) reported bank owned life insurance income of $3.13M in Q2 2026.
How has United Bankshares's bank owned life insurance income changed year-over-year?
United Bankshares's bank owned life insurance income decreased by 13.4% year-over-year, from $3.62M to $3.13M.
What is the long-term trend for United Bankshares's bank owned life insurance income?
Over 4 years (2021 to 2025), United Bankshares's bank owned life insurance income has grown at a 17.9% compound annual growth rate (CAGR), from $6.84M to $13.2M.
What does bank owned life insurance income mean?
This metric tracks the income generated from bank-owned life insurance policies, which are typically held to offset the costs of employee benefit plans. It represents a non-interest income stream that provides tax-advantaged returns. It is a common tool used by financial institutions to manage long-term benefit liabilities.

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