---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-313364"
form_type: "8-K"
ticker: "UBSI"
cik: "0000729986"
company_name: "UNITED BANKSHARES INC/WV"
filed_at: "2026-07-23T12:00:07+00:00"
generated_at: "2026-07-23T12:05:40.391821+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Bankshares reports record Q2 2026 earnings of $0.95 EPS, net income $131.4M

## Summary
- Record Q2 2026 EPS of $0.95, up from $0.89 in Q1 2026 and $0.85 in Q2 2025; net income $131.4M.
- Net interest income $285.3M (+1% QoQ, +4% YoY); net interest margin stable at 3.81%.
- Provision for credit losses $5.0M, down from $7.8M in Q1 2026; net charge-offs $5.1M (0.08% annualized).
- Non-performing loans $110.6M (0.44% of loans); allowance for loan losses 1.20% of loans.
- Repurchased 1.5M shares at avg $43.93 in Q2; 3.2M shares in H1 2026 at avg $41.78.

## SEC filing metadata
- accession: 0001193125-26-313364
- form_type: 8-K
- ticker: UBSI
- cik: 0000729986
- company_name: UNITED BANKSHARES INC/WV
- filed_at: 2026-07-23T12:00:07+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/729986/000119312526313364/0001193125-26-313364-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/729986/000119312526313364/d139267d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-313364
- JSON: https://secwatch.observer/filing/0001193125-26-313364.json
- Plain text: https://secwatch.observer/filing/0001193125-26-313364.txt

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