{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-270382","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2022-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.391829+00:00","generated_at":"2026-06-23T00:24:49.766646+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Bankshares Q3 EPS $0.76 beats Q2 $0.71; NIM 3.78%, loan growth 16% annualized","bullets":["Net income $102.6M, diluted EPS $0.76; up from $95.6M ($0.71) in Q2 2022 and $92.2M ($0.71) in Q3 2021.","Net interest margin of 3.78% expands 40 bps QoQ; net interest income +12% QoQ to $239.5M.","Annualized loan growth (ex-PPP) 16% in Q3 and 15% YTD; non-performing loans at low 0.35% of total loans.","Mortgage banking income down $35.6M YoY; company recorded $5.0M litigation accrual for former commercial customer.","Capital well above well-capitalized thresholds: risk-based capital 14.4%, CET1 12.4%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-270382","json":"https://secwatch.observer/filing/0001193125-22-270382.json","markdown":"https://secwatch.observer/filing/0001193125-22-270382.md","text":"https://secwatch.observer/filing/0001193125-22-270382.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312522270382/0001193125-22-270382-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312522270382/d363136d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:24:49.766646+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":[{"claim_id":"3a535ab952eb9d2591220926296a523814e553eb","claim":"UNITED BANKSHARES INC/WV reported the third quarter and first nine months of 2022 results: net income $102.6 million, EPS $0.76 per diluted share.","evidence_excerpt":"On October 27, 2022 United Bankshares, Inc. (“United”) announced its financial results for the third quarter and first nine months of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/729986/000119312522270382/0001193125-22-270382-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter and first nine months of 2022"},{"label":"Net income","value":"$102.6 million"},{"label":"EPS","value":"$0.76 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}