{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-428347","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2026-10-22T12:00:15+00:00","discovered_at":"2026-10-22T12:05:00.267765+00:00","generated_at":"2026-10-22T12:05:12.133529+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"United Bankshares Q3 EPS $0.94 vs $0.92 a year ago; record net interest income of $294.3M","bullets":["Q3 2026 net income $128.7M, or $0.94 per diluted share, vs $130.7M ($0.92) in Q3 2025 and $131.4M ($0.95) in Q2 2026.","Record net interest income $294.3M, up 3% QoQ and 5% YoY; net interest margin 3.86% vs 3.81% in Q2 2026 and 3.80% in Q3 2025.","Noninterest income fell 20% QoQ and 29% YoY to $30.8M, driven by $348K securities losses vs $2.8M Q2 gains and $10.4M year-ago gains.","Provision for credit losses $6.2M vs $5.0M in Q2 and $12.1M a year ago; net charge-offs $11.6M (0.18% annualized); NPLs 0.43% of loans.","Repurchased 2.1M shares at average $46.84 in Q3 (5.4M at $43.77 YTD); CET1 12.9%, leverage 11.1%, ROTCE 14.68%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-428347","json":"https://secwatch.observer/filing/0001193125-26-428347.json","markdown":"https://secwatch.observer/filing/0001193125-26-428347.md","text":"https://secwatch.observer/filing/0001193125-26-428347.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312526428347/0001193125-26-428347-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312526428347/d41860d8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T12:05:12.133529+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"}