{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-116883","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2023-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.098803+00:00","generated_at":"2026-06-16T14:26:00.638096+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"United Bankshares Q1 2023 EPS $0.73, net income $98.3M, NIM 3.63%","bullets":["Q1 2023 net income $98.3M ($0.73 diluted EPS) vs $99.8M ($0.74) Q4 2022 and $81.7M ($0.60) Q1 2022.","Net interest margin 3.63%, down 24 bps QoQ but up 64 bps YoY; net interest income down 6% QoQ on higher deposit costs.","Noninterest income $32.7M, down 29% YoY driven by lower mortgage banking income.","Provision for credit losses $6.9M vs $16.4M Q4 2022; non-performing loans 0.21% of loans, allowance 1.17%.","Capital well-capitalized: risk-based capital 14.7%, CET1 12.5%; no share repurchases in Q1 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-116883","json":"https://secwatch.observer/filing/0001193125-23-116883.json","markdown":"https://secwatch.observer/filing/0001193125-23-116883.md","text":"https://secwatch.observer/filing/0001193125-23-116883.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312523116883/0001193125-23-116883-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312523116883/d477064d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T14:26:00.638096+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":"2bb4c2f2e48a3816549408293d4a8aa8b55d42b3","claim":"UNITED BANKSHARES INC/WV reported first quarter of 2023 results: net income $98.3 million, EPS $0.73 per diluted share.","evidence_excerpt":"United Bankshares, Inc. (NASDAQ: UBSI) (“United”), today reported earnings for the first quarter of 2023 of $98.3 million, or $0.73 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/729986/000119312523116883/0001193125-23-116883-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2023"},{"label":"Net income","value":"$98.3 million"},{"label":"EPS","value":"$0.73 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"}