{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-018696","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.604716+00:00","generated_at":"2026-05-16T09:07:19.317046+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"United Bankshares posts record FY2025 earnings of $464.6M ($3.27 EPS); Q4 EPS $0.91","bullets":["Record annual net income $464.6M ($3.27 EPS) in FY2025, up 24.5% from FY2024's $373.0M ($2.75 EPS).","Q4 net income $128.8M ($0.91 EPS) vs $94.4M ($0.69) a year ago; net interest margin expanded 34bps to 3.83%.","Net interest income record $287.5M in Q4, up 3% linked quarter; provision for credit losses fell to $6.8M from $12.1M.","Piedmont Bancorp acquisition (Jan 2025) drove loan growth and added $18.7M non-PCD provision; merger expenses $12.7M in FY2025.","Credit quality: NPLs declined to $101.5M (0.41% of loans); Q4 annualized net charge-offs 0.15%. Repurchased 1.3M shares in Q4 at $36.49 avg."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-018696","json":"https://secwatch.observer/filing/0001193125-26-018696.json","markdown":"https://secwatch.observer/filing/0001193125-26-018696.md","text":"https://secwatch.observer/filing/0001193125-26-018696.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312526018696/0001193125-26-018696-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312526018696/d74461d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:07:19.317046+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"}