{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-171886","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.687940+00:00","generated_at":"2026-05-15T04:43:06.405718+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"UBSI Q1 net income $124.2M ($0.89), up 47% YoY; repurchased 1.7M shares at $39.92","bullets":["Q1 2026 diluted EPS $0.89 vs $0.59 YoY and $0.91 in Q4 2025; net income $124.2M.","Net interest income $282.5M, down 2% QoQ; NIM 3.80% vs 3.83% Q4 2025.","Repurchased ~1.7M shares at avg $39.92 under existing plan; risk-based capital ratio 15.5%.","Nonperforming loans 0.41% of loans; ALLL 1.20%; net charge-offs 0.09% annualized.","No merger-related expenses in Q1 2026 vs $30M in Q1 2025 from Piedmont acquisition."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-171886","json":"https://secwatch.observer/filing/0001193125-26-171886.json","markdown":"https://secwatch.observer/filing/0001193125-26-171886.md","text":"https://secwatch.observer/filing/0001193125-26-171886.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312526171886/0001193125-26-171886-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312526171886/d33010d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:43:06.405718+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":[{"claim_id":"b64109793a26fdc8a302bcc5dc8ec40d00f297b2","claim":"UNITED BANKSHARES INC/WV reported the first quarter of 2026 results: net income $124.2 million, or $0.89 per diluted share, EPS $0.89 per diluted share.","evidence_excerpt":"United Bankshares, Inc. (NASDAQ: UBSI) (“United”), today reported earnings for the first quarter of 2026 of $124.2 million, or $0.89 per diluted share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/729986/000119312526171886/0001193125-26-171886-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2026"},{"label":"Net income","value":"$124.2 million, or $0.89 per diluted share"},{"label":"EPS","value":"$0.89 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}