---
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"
generated_at: "2026-10-22T12:05:12.133529+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# United Bankshares Q3 EPS $0.94 vs $0.92 a year ago; record net interest income of $294.3M

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-428347
- JSON: https://secwatch.observer/filing/0001193125-26-428347.json
- Plain text: https://secwatch.observer/filing/0001193125-26-428347.txt

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