---
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"
generated_at: "2026-05-18T02:51:55.988566+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Bankshares posts record Q2 net income of $120.7M, diluted EPS $0.85

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/729986/000119312525163847/0001193125-25-163847-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/729986/000119312525163847/d897897d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-163847
- JSON: https://secwatch.observer/filing/0001193125-25-163847.json
- Plain text: https://secwatch.observer/filing/0001193125-25-163847.txt

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