{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-195366","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2023-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.528073+00:00","generated_at":"2026-06-13T01:22:46.170168+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"United Bankshares Q2 EPS $0.68, down from $0.73 Q1 and $0.71 YoY","bullets":["Net income $92.5M; diluted EPS $0.68 vs $0.73 in Q1 2023 and $0.71 in Q2 2022.","Net interest margin 3.51% vs 3.63% Q1; provision for credit losses $11.4M vs $6.9M Q1.","Sold MSRs on $2.0B UPB for $8.1M gain; sold $187M AFS securities at $7.2M loss.","Non-performing loans 0.20% of loans vs 0.29% at Dec 2022; allowance 1.21% vs 1.14%.","No share repurchases in H1 2023; capital ratios well above well-capitalized minimums."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-195366","json":"https://secwatch.observer/filing/0001193125-23-195366.json","markdown":"https://secwatch.observer/filing/0001193125-23-195366.md","text":"https://secwatch.observer/filing/0001193125-23-195366.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312523195366/0001193125-23-195366-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312523195366/d474390d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T01:22:46.170168+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":"b1bf30207f591317e030637646f354dc9661509a","claim":"UNITED BANKSHARES INC/WV reported the second quarter of 2023 results: net income $92.5 million, EPS $0.68 per diluted share.","evidence_excerpt":"United Bankshares, Inc. (NASDAQ: UBSI) (\"United\"), today reported earnings for the second quarter of 2023 of $92.5 million, or $0.68 per diluted share, as compared to earnings of $98.3 million, or $0.73 per diluted share, for the first quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/729986/000119312523195366/0001193125-23-195366-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of 2023"},{"label":"Net income","value":"$92.5 million"},{"label":"EPS","value":"$0.68 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"}