{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-242303","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.933586+00:00","generated_at":"2026-05-30T10:45:24.408754+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 Q3 EPS $0.70; net income $95.3M, down slightly YoY; Piedmont merger on track","bullets":["Diluted EPS $0.70 vs $0.71 YoY and QoQ; net income $95.3M, down from $96.2M in Q3 2023.","Net interest income $230.3M, +2% QoQ; NIM of 3.52% vs 3.50% in Q2 2024.","Sold remaining MSRs ($1.1B UPB) for $7.1M gain; sold $196.7M AFS securities at $6.9M loss.","Merger with Piedmont Bancorp expected to close late Q4 2024 or early Q1 2025; combined $32B assets.","Credit quality sound: NPLs 0.30% of loans; ALLL 1.25%; risk-based capital ratio 16.2%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-242303","json":"https://secwatch.observer/filing/0001193125-24-242303.json","markdown":"https://secwatch.observer/filing/0001193125-24-242303.md","text":"https://secwatch.observer/filing/0001193125-24-242303.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312524242303/0001193125-24-242303-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312524242303/d830710d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:45:24.408754+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}