---
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"
generated_at: "2026-05-16T09:07:19.317046+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# United Bankshares posts record FY2025 earnings of $464.6M ($3.27 EPS); Q4 EPS $0.91

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-018696
- JSON: https://secwatch.observer/filing/0001193125-26-018696.json
- Plain text: https://secwatch.observer/filing/0001193125-26-018696.txt

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