{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-011811","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2025-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.220852+00:00","generated_at":"2026-05-27T12:27:10.580876+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"United Bankshares Q4 EPS $0.69, full-year $2.75; closes $2.4B asset acquisition of Piedmont","bullets":["Q4 2024 net income $94.4M ($0.69 diluted EPS) vs $0.59 in Q4 2023; full-year $373.0M ($2.75) vs $366.3M ($2.71).","Net interest margin 3.49% (down 3 bps QoQ, 6 bps YoY); net interest income $232.6M, up 1% YoY.","Non-performing loans $73.4M (0.34% of loans) vs $45.5M (0.21%) a year ago; net charge-offs 0.10% annualized.","Completed acquisition of Piedmont Bancorp (Atlanta) on Jan 10, 2025 with $2.4B assets, $2.1B loans, $2.1B deposits.","Capital well above well-capitalized levels; no share repurchases in 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-011811","json":"https://secwatch.observer/filing/0001193125-25-011811.json","markdown":"https://secwatch.observer/filing/0001193125-25-011811.md","text":"https://secwatch.observer/filing/0001193125-25-011811.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312525011811/0001193125-25-011811-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312525011811/d834938d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T12:27:10.580876+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"}