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United Bankshares UBSI Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

Old National Bancorp logo
Old National BancorpONB
$7.56M+40.5%
F.N.B. Corporation logo
F.N.B. CorporationFNB
$4M-20.0%
HOM
Home BancSharesHOMB
$1.37M-25.7%
SouthState logo
SouthStateSSB
Flagstar Bank
 logo
Flagstar Bank FLG

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:BankOwnedLifeInsuranceIncome.

The official record: United Bankshares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Bankshares's bank owned life insurance income?
United Bankshares (UBSI) reported bank owned life insurance income of $2.99M in Q1 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 11.2% year-over-year, from $3.37M to $2.99M.
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.