---
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"
generated_at: "2026-06-26T04:50:51.312851+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# United Bankshares Q1 2022 EPS $0.60, up 7% from Q4; loan growth 11% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-118934
- JSON: https://secwatch.observer/filing/0001193125-22-118934.json
- Plain text: https://secwatch.observer/filing/0001193125-22-118934.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.