{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-118934","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2022-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.500124+00:00","generated_at":"2026-06-26T04:50:51.312851+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"United Bankshares Q1 2022 EPS $0.60, up 7% from Q4; loan growth 11% annualized","bullets":["Net income $81.7M ($0.60 diluted EPS) vs $73.9M ($0.56) in Q4 2021.","Net interest income $191.5M, flat YoY; net interest margin 2.99% (+5 bps linked quarter).","Annualized loan growth 11% ex-PPP; provision benefit of $3.4M vs expense of $0.1M a year ago.","Noninterest income fell 50% YoY to $46.0M on lower mortgage banking revenue.","Repurchased 711k shares at avg $35.15; all capital ratios well above well-capitalized thresholds."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-118934","json":"https://secwatch.observer/filing/0001193125-22-118934.json","markdown":"https://secwatch.observer/filing/0001193125-22-118934.md","text":"https://secwatch.observer/filing/0001193125-22-118934.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312522118934/0001193125-22-118934-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312522118934/d622297d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:50:51.312851+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}