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United Bankshares UBSI Provision for Credit Losses

Provision for Credit Losses at other companies

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$395M-19.1%
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First UnitedFUNC
$781K-9.2%
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Chain Bridge BancorpCBNA
-$379K-483%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$6.76M-11.1%
Northwest Bancshares logo
Northwest BancsharesNWBI
$6.64M-24.1%
International Bancshares logo
International BancsharesIBOC
$11.11M+153%

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:ProvisionForLoanLeaseAndOtherLosses.

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
Interest on long-term borrowings5,3196,01510,56611,869
Total interest expense132,885146,659266,299290,251
Net interest income285,312274,537567,827534,592
Provision for credit losses4,9615,88912,73734,992
Net interest income after provision for credit losses280,351268,648555,090499,600
Other income
Fees from trust services5,1904,93110,0479,713
Fees from brokerage services6,7644,86214,16710,507

Item 1. FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is United Bankshares's provision for credit losses?
United Bankshares (UBSI) reported provision for credit losses of $4.96M in Q2 2026.
How has United Bankshares's provision for credit losses changed year-over-year?
United Bankshares's provision for credit losses decreased by 15.8% year-over-year, from $5.89M to $4.96M.
What is the long-term trend for United Bankshares's provision for credit losses?
Over 4 years (2021 to 2025), United Bankshares's provision for credit losses has grown at a 22.4% compound annual growth rate (CAGR), from -$23.97M to $53.87M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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