---
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"
generated_at: "2026-05-23T07:32:39.592151+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Bankshares Q1 EPS $0.59; record NII $260.1M, Piedmont deal closed

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-092288
- JSON: https://secwatch.observer/filing/0001193125-25-092288.json
- Plain text: https://secwatch.observer/filing/0001193125-25-092288.txt

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