{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-015713","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.920044+00:00","generated_at":"2026-06-20T08:45:44.821628+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 reports record 2022 net income of $379.6M; EPS $2.80","bullets":["Q4 2022 net income $99.8M ($0.74 EPS), down from Q3 2022's $102.6M ($0.76 EPS).","Full-year 2022 net interest income record $896.4M, up 21% YoY; NIM expanded 41 bps to 3.50%.","Annualized loan growth (ex-PPP) 16% for 2022; net charge-offs ultra-low at 0.02% in Q4.","Non-performing loans fell to 0.29% of total loans at Dec. 31, 2022 from 0.50% a year earlier.","Repurchased ~2.3M shares in 2022 at avg $34.69; all regulatory capital ratios well above well-capitalized thresholds."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-015713","json":"https://secwatch.observer/filing/0001193125-23-015713.json","markdown":"https://secwatch.observer/filing/0001193125-23-015713.md","text":"https://secwatch.observer/filing/0001193125-23-015713.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312523015713/0001193125-23-015713-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312523015713/d649757d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:45:44.821628+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":"b9b86a271ff2b4a9fe1d415edba9fa5275baad66","claim":"UNITED BANKSHARES INC/WV reported the year of 2022 results: net income $379.6 million, EPS $2.80 per diluted share.","evidence_excerpt":"today reported record earnings for the year of 2022 of $379.6 million as compared to earnings of $367.7 million for the year of 2021. Earnings per diluted share for the year of 2022 were $2.80 as compared to earnings per diluted share of $2.83 for the year of 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/729986/000119312523015713/0001193125-23-015713-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year of 2022"},{"label":"Net income","value":"$379.6 million"},{"label":"EPS","value":"$2.80 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f9628a2c929298141b4375881b4d8ecb2ff2283b","claim":"UNITED BANKSHARES INC/WV reported the fourth quarter of 2022 results: net income $99.8 million, EPS $0.74 per diluted share.","evidence_excerpt":"Earnings for the fourth quarter of 2022 were $99.8 million, or $0.74 per diluted share, as compared to earnings of $102.6 million, or $0.76 per diluted share, for the third quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/729986/000119312523015713/0001193125-23-015713-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2022"},{"label":"Net income","value":"$99.8 million"},{"label":"EPS","value":"$0.74 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"}