{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-092288","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.122993+00:00","generated_at":"2026-05-23T07:32:39.592151+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Bankshares Q1 EPS $0.59; record NII $260.1M, Piedmont deal closed","bullets":["Net income $84.3M ($0.59 diluted EPS) vs. $86.8M ($0.64) Q1 2024; revenue up on Piedmont acquisition.","Record net interest income $260.1M (+12% linked qtr); NIM expanded 20bp to 3.69%.","Merger-related charges $30.0M (noninterest expense + provision) from Piedmont acquisition.","Repurchased 567k shares at avg $34.93; capital ratios well above well-capitalized thresholds.","Nonperforming loans 0.29% of loans; allowance for loan losses 1.30%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-092288","json":"https://secwatch.observer/filing/0001193125-25-092288.json","markdown":"https://secwatch.observer/filing/0001193125-25-092288.md","text":"https://secwatch.observer/filing/0001193125-25-092288.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312525092288/0001193125-25-092288-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312525092288/d926428d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:32:39.592151+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"}