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United Bankshares UBSI Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans

Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans at other companies

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$1.7B+88.9%

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:FinancingReceivableDeferredIncome.

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 unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans?
United Bankshares (UBSI) reported unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans of $11.6M in Q1 2026.
How has United Bankshares's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans changed year-over-year?
United Bankshares's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans increased by 5.4% year-over-year, from $11.01M to $11.6M.
What is the long-term trend for United Bankshares's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans?
Over 2 years (2023 to 2025), United Bankshares's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans has grown at a -9.7% compound annual growth rate (CAGR), from $14.1M to $11.5M.
What does unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans mean?
This represents the net impact of unearned income, deferred loan fees, and premiums or discounts associated with the loan portfolio. It is a critical accounting adjustment that reconciles the cash flows of lending activities with the recognition of interest income over the life of the loans.