United Bankshares, Inc. filings document the formal reporting record for a West Virginia financial holding company whose common stock trades on the Nasdaq Global Select Market under UBSI. Current reports furnish quarterly and annual results, including operating performance, profitability measures, credit-loss provisions, balance-sheet trends, noninterest expense, and merger-related effects from completed bank acquisitions.
Proxy and governance filings cover annual meeting matters, board oversight, executive compensation, and shareholder voting procedures. Other 8-K disclosures record capital-structure and governance actions, including common-stock repurchase authorization, registered common stock details, and change-in-control agreements with senior executives.
United Bankshares, Inc. (UBSI) reported third-quarter net income of $128.7 million, compared with $130.7 million a year earlier, while net interest income was $294.3 million versus $280.1 million. The provision for credit losses was $6.2 million, compared with $12.1 million. For the first nine months, net income was $384.3 million versus $335.8 million, and net interest income was $862.1 million versus $814.7 million.
At September 30, 2026, total assets were $34.2 billion, net loans and leases were $25.2 billion, and deposits were $27.7 billion. Operating cash flow for the nine months was $433.7 million, compared with $360.0 million a year earlier. Gross unrealized losses on available-for-sale securities were $322.0 million across 971 of 1,042 securities; management said these losses generally resulted from rising interest rates. Third-quarter comprehensive income was $49.0 million, compared with $156.7 million, including an $83.5 million after-tax loss on available-for-sale securities.
United Bankshares (UBSI) director P. Clinton Winter purchased 52 shares of phantom stock on November 5, 2026, at $50.06 per share; the phantom stock is on a 1-for-1 basis with common stock. After the purchase, he held 59,879 shares of phantom stock, which are payable in cash following his termination of employment with UBSI. The form also lists 458,658 common shares held directly, 36,800 held indirectly through Bray & Oakley Insurance, and 1,000 held indirectly by his spouse. No Rule 10b5-1 plan is reported.
United Bankshares Inc/WV (UBSI) is named in a notice reporting that Matthew L. Humphrey, a former Executive VP & Head of Wealth Management, proposes to sell 41,343 common shares. The approximate sale date is November 3, 2026, through Citigroup Global Markets, Inc.; the stated aggregate market value is $2,030,768.16, and NASDAQ is listed as the exchange.
The notice also reports that Humphrey sold 4,587 common shares on October 30, 2026, for $220,914.
United Bankshares Inc. director P. Clinton Winter purchased 50 shares of Phantom Stock at $49.46 per share on November 2, 2026. His reported Phantom Stock position following the purchase was 59,827 shares. Phantom Stock is payable in cash following his termination of employment with UBSI, and no Rule 10b5-1 plan is reported.
United Bankshares Inc. (UBSI) reports that Executive Vice President Matthew L. Humphrey held 24,114 shares directly and 4,588 shares through the UBSI 401(k) plan as of October 28, 2026. The report also lists five directly held stock-option positions. A footnote states that 13,571 unvested restricted stock awards were forfeited back to the issuer in connection with Humphrey’s resignation from employment.
United Bankshares, Inc. reported third-quarter 2026 net income of $128.7 million, or $0.94 per diluted share, compared with $131.4 million and $0.95 in the second quarter and $130.7 million and $0.92 a year earlier. Net interest income reached a record $294.3 million, up $8.9 million, or 3%, from Q2; net interest margin was 3.86%, versus 3.81%. First-nine-month net income was $384.3 million, compared with $335.8 million, and net interest income rose 6% to $862.1 million.
Third-quarter noninterest income fell 29% year over year to $30.8 million, while noninterest expense rose 7% to $156.7 million. Net charge-offs were $11.6 million, or 0.18% on an annualized basis as a percentage of average loans and leases, net of unearned income. At September 30, 2026, nonperforming assets were $121.1 million, or 0.35% of total assets, and estimated Common Equity Tier 1 capital was 12.9%. United repurchased 2.1 million shares at an average price of $46.84 in Q3 and announced a new plan for up to 6.8 million shares.
For Q4 2026, United expects non-FTE net interest income of $296 million to $301 million, assuming one 25 bps rate increase in Q4; the current provision-expense planning assumption is $8.5 million. United also announced plans to establish a full-service banking office in Palm Beach, Florida.
United Bankshares Inc. (UBSI) director P. Clinton Winter purchased 490 shares of phantom stock at $46.05 per share on October 1, 2026; his reported phantom stock position afterward was 59,777 shares. The phantom stock is payable in cash on a one-for-one basis following his termination of employment with UBSI. No Rule 10b5-1 plan is reported.
As of October 1, 2026, his reported common-stock holdings included 458,658 shares held directly, 36,800 held indirectly through Bray & Oakley Insurance, and 1,000 held indirectly by his spouse.
UNITED BANKSHARES INC/WV (UBSI) reported an insider transaction by director Mark R. Nesselroad. On September 1, 2026, an entity associated with him sold 3,200 shares of UBSI common stock at $46.42 per share, held as indirect ownership by his spouse. Following this sale, his spouse’s indirect holdings were 32,224 shares. He also reported 16,621 shares held directly in his own name and a further 18,358 shares held indirectly through a corporation.
UNITED BANKSHARES INC/WV (UBSI) received a Rule 144 notice relating to a planned sale of its common stock. A revocable trust for Peggy A. Nesselroad, spouse of Mark R. Nesselroad, filed to sell 3,200 shares of UBSI common stock held at The Charles Schwab Corporation.
The shares were originally acquired on 09/15/2009 through a Restricted Stock Award from the issuer. As of the notice date, 136,212,571 shares of UBSI common stock were outstanding. The filing indicates the planned sale is through NASDAQ with an approximate market value of $148,734.40 for the 3,200 shares.
For UNITED BANKSHARES INC/WV (UBSI), director WINTER P CLINTON reported purchasing 609 units of Phantom Stock on 2026-08-31 at $47.18 per unit, each representing 1-for-1 with UBSI common stock. These phantom shares are payable in cash after the reporting person’s termination of employment. Following this transaction, the filing reports 59,287 phantom stock units held directly, plus direct common stock holdings of 458,658 shares and indirect common stock holdings of 36,800 shares through Bray & Oakley Insurance and 1,000 shares held by spouse.