{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-262294","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.849442+00:00","generated_at":"2026-06-09T12:20:01.324055+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"UBSI Q3 2023 EPS $0.71, up from $0.68 QoQ but down from $0.76 YoY","bullets":["Net income of $96.2M ($0.71 diluted EPS) vs $92.5M ($0.68) in Q2 2023 and $102.6M ($0.76) in Q3 2022.","Net interest margin expanded to 3.54% from 3.51% QoQ; net interest income up $992K.","Provision for credit losses dropped to $5.9M from $11.4M QoQ on lower qualitative adjustments.","Non-performing loans were 0.20% of total loans; capital ratios well above well-capitalized thresholds.","No share repurchases in first nine months of 2023; asset quality remains sound."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-262294","json":"https://secwatch.observer/filing/0001193125-23-262294.json","markdown":"https://secwatch.observer/filing/0001193125-23-262294.md","text":"https://secwatch.observer/filing/0001193125-23-262294.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312523262294/0001193125-23-262294-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312523262294/d524571d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T12:20:01.324055+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":"b1d8ae11c2016be2ea6782642a748ddac7d397cc","claim":"UNITED BANKSHARES INC/WV reported third quarter of 2023 results: net income $96.2 million, EPS $0.71 per diluted share.","evidence_excerpt":"United Bankshares, Inc. Announces Earnings for the Third Quarter and First Nine Months of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/729986/000119312523262294/0001193125-23-262294-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of 2023"},{"label":"Net income","value":"$96.2 million"},{"label":"EPS","value":"$0.71 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"}