{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-016144","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2024-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.786140+00:00","generated_at":"2026-06-06T16:56:16.140921+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"United Bankshares Q4 2023 EPS $0.59 vs $0.74 YoY; net income $79.4M","bullets":["Net interest income decreased 8% YoY; net interest margin 3.55% vs 3.87%.","Average loans grew $903.6M (4%) from Q4 2022; deposit rate repricing pressured NIM.","Noninterest expense rose 11% YoY, including $12.0M FDIC special assessment.","Non-performing loans were 0.21% of loans at Dec 31, 2023, down from 0.29%.","Estimated risk-based capital ratio 15.4%; well-capitalized status maintained."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-016144","json":"https://secwatch.observer/filing/0001193125-24-016144.json","markdown":"https://secwatch.observer/filing/0001193125-24-016144.md","text":"https://secwatch.observer/filing/0001193125-24-016144.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312524016144/0001193125-24-016144-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312524016144/d720965d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T16:56:16.140921+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":"d11fd17c6f4fe353db16c6199bd00d1e056fac46","claim":"UNITED BANKSHARES INC/WV reported the fourth quarter and year of 2023 results: net income $79.4 million, or $0.59 per diluted share (for Q4); $366.3 million, or $2.71 per diluted share (for full year), EPS $0.59 per diluted share (Q4); $2.71 per diluted share (full year).","evidence_excerpt":"United Bankshares, Inc. (NASDAQ: UBSI) (“United”), today reported earnings for the fourth quarter of 2023 of $79.4 million, or $0.59 per diluted share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/729986/000119312524016144/0001193125-24-016144-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and year of 2023"},{"label":"Net income","value":"$79.4 million, or $0.59 per diluted share (for Q4); $366.3 million, or $2.71 per diluted share (for full year)"},{"label":"EPS","value":"$0.59 per diluted share (Q4); $2.71 per diluted share (full year)"},{"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"}