---
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"
generated_at: "2026-05-27T12:27:10.580876+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# United Bankshares Q4 EPS $0.69, full-year $2.75; closes $2.4B asset acquisition of Piedmont

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-011811
- JSON: https://secwatch.observer/filing/0001193125-25-011811.json
- Plain text: https://secwatch.observer/filing/0001193125-25-011811.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.