{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-163847","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.250527+00:00","generated_at":"2026-05-18T02:51:55.988566+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Bankshares posts record Q2 net income of $120.7M, diluted EPS $0.85","bullets":["Net income of $120.7M ($0.85 EPS) vs $96.5M ($0.71) in Q2 2024, up 25% YoY.","Record net interest income of $274.5M, +22% YoY, driven by Piedmont acquisition and organic growth.","Provision for credit losses was $5.9M, stable vs $5.8M YoY; net charge-offs 0.14% annualized.","Asset quality sound: NPLs 0.28% of loans; risk-based capital ratio 15.8%, well above well-capitalized thresholds.","Repurchased ~981k shares at avg $33.17 in Q2; total 1.5M shares in H1 2025 at avg $33.81."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-163847","json":"https://secwatch.observer/filing/0001193125-25-163847.json","markdown":"https://secwatch.observer/filing/0001193125-25-163847.md","text":"https://secwatch.observer/filing/0001193125-25-163847.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312525163847/0001193125-25-163847-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312525163847/d897897d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:51:55.988566+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"}