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United Bankshares UBSI Bankcard Processing Expense

Bankcard Processing Expense at other companies

First Financial Bankshares logo
First Financial BanksharesFFIN
$3.11M-7.9%
Fifth Third Bank logo
Fifth Third BankFITB
$79M+276%
Fifth Third Bank logo
Fifth Third BankFITB
$19M+11.8%
Fifth Third Bank logo
Fifth Third BankFITB
$29M+867%
UMB Financial logo
UMB FinancialUMBF
$11.84M-7.5%
UMB Financial logo
UMB FinancialUMBF
$2.51M-30.0%

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:BankcardProcessingExpense.

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 bankcard processing expense?
United Bankshares (UBSI) reported bankcard processing expense of $623K in Q1 2026.
How has United Bankshares's bankcard processing expense changed year-over-year?
United Bankshares's bankcard processing expense increased by 3.8% year-over-year, from $600K to $623K.
What is the long-term trend for United Bankshares's bankcard processing expense?
Over 4 years (2021 to 2025), United Bankshares's bankcard processing expense has grown at a 8.2% compound annual growth rate (CAGR), from $1.71M to $2.34M.
What does bankcard processing expense mean?
This metric measures the direct costs associated with processing credit and debit card transactions for customers. It includes fees paid to payment networks, interchange costs, and third-party vendor expenses required to maintain card services. Tracking this expense is essential for evaluating the profitability of the bank's retail payment and card-issuing business lines.