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United Bankshares UBSI Provision for Credit Losses

Provision for Credit Losses at other companies

ServisFirst Bancshares logo
ServisFirst BancsharesSFBS
$10.64M+60.4%
International Bancshares logo
International BancsharesIBOC
$3.02M-9.2%
First Financial Bankshares logo
First Financial BanksharesFFIN
$2.29M-35.1%
HOM
Home BancSharesHOMB
$1.5M
SouthState logo
SouthStateSSB
$10.81M-89.3%
Commerce Bancshares logo
Commerce BancsharesCBSH
$10.96M-24.3%

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:ProvisionForLoanLeaseAndOtherLosses.

The official record: United Bankshares’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Bankshares's provision for credit losses?
United Bankshares (UBSI) reported provision for credit losses of $6.78M in Q4 2025.
How has United Bankshares's provision for credit losses changed year-over-year?
United Bankshares's provision for credit losses increased by 1.3% year-over-year, from $6.69M to $6.78M.
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?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.