Welcome to our dedicated page for UNITED BANKSHARES INC/WV SEC filings (Ticker: UBSI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Our SEC filing database is enhanced with expert analysis from Rhea-AI, providing insights into the potential impact of each filing on UNITED BANKSHARES INC/WV's stock performance. Each filing includes a concise AI-generated summary, sentiment and impact scores, and end-of-day stock performance data showing the actual market reaction. Navigate easily through different filing types including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, proxy statements (DEF 14A), and Form 4 insider trading disclosures.
Designed for fundamental investors and regulatory compliance professionals, our page simplifies access to critical SEC filings. By combining real-time EDGAR feed updates, Rhea-AI's analytical insights, and historical stock performance data, we provide comprehensive visibility into UNITED BANKSHARES INC/WV's regulatory disclosures and financial reporting.
United Bankshares, Inc. generated higher profitability for the first half of 2026. Net income for the six months ended June 30, 2026 was $255,577 (dollars in thousands) versus $205,027 a year earlier, and basic earnings per share rose from $1.44 to $1.84. For the second quarter, net income was $131,377 with basic EPS of $0.95, up from $120,721 and $0.85 in 2025. Net interest income for the six-month period increased to $567,827, while the provision for credit losses declined to $12,737, and other income improved to $72,569.
The balance sheet remained broadly stable. Total assets were $33,751,832 at June 30, 2026, with net loans and leases of $24,695,020 and total deposits of $27,170,747. Shareholders’ equity was $5,510,537. The allowance for loan and lease losses stood at $299,504, and nonaccrual loans totaled $99,301. Securities available for sale had an amortized cost of $3,531,722 and fair value of $3,319,750, reflecting $218,489 of gross unrealized losses, which the company attributes primarily to rising interest rates rather than credit issues.
United Bankshares director Winter P. Clinton reported buying 51 units of Phantom Stock on August 4, 2026 at $48.77 per unit. Each unit tracks one share of UBSI common stock on a 1-for-1 basis and is payable in cash after his termination of employment. Following this transaction he holds 58,678 phantom stock units, 458,658 shares of common stock directly, and additional indirect holdings of 36,800 shares through Bray & Oakley Insurance and 1,000 shares held by his spouse.
WINTER P CLINTON reported reported purchase transactions in this Form 4 filing.
United Bankshares Inc. director Winter P. Clinton acquired 158.0000 units of Phantom Stock tied 1-for-1 to common stock on July 30, 2026 at $48.5600 per unit. This phantom stock is payable in cash after termination of employment. Following the transaction he holds 58,627 phantom units, 458,658 common shares directly, 36,800 shares indirectly through Bray & Oakley Insurance, and 1,000 shares indirectly through a spouse.
United Bankshares, Inc. reported record Q2 2026 net income of $131.4 million, or $0.95 per diluted share. Returns on average assets and shareholders’ equity were 1.56% and 9.53%, with return on average tangible common equity of 15.15%. First‑half 2026 net income was $255.6 million, or $1.83 per diluted share, compared with $205.0 million, or $1.44 per diluted share, in the first half of 2025.
Q2 net interest income was $285.3 million and the fully tax‑equivalent net interest margin was 3.81%. The provision for credit losses was $5.0 million, down from $7.8 million in Q1, while noninterest income was $38.5 million and noninterest expense was $154.7 million. Asset quality remained sound, with non‑performing assets of $120.9 million, or 0.36% of total assets, and an allowance for loan and lease losses of $299.5 million, or 1.20% of loans and leases. Estimated total risk‑based capital was 15.6%, with Common Equity Tier 1 and Tier 1 ratios of 13.3% and a leverage ratio of 11.3%. The company returned capital via a $0.38 quarterly dividend and repurchased approximately 1.5 million shares at an average price of $43.93 in Q2 2026.
UNITED BANKSHARES INC/WV director Clinton P. Winter reported an open-market purchase of 470 shares of Phantom Stock at $46.3658 per unit. Each phantom share corresponds 1-for-1 to common stock and is payable in cash after his termination of employment with UBSI.
Following this transaction, he holds 58,469 phantom stock units directly. He also reports direct ownership of 458,658 shares of common stock, plus indirect holdings of 1,000 common shares through his spouse and 36,800 common shares through Bray & Oakley Insurance. The filing primarily updates his total direct and indirect economic exposure to UBSI rather than signaling a large position change.
UNITED BANKSHARES INC/WV director WINTER P CLINTON reported a small open-market purchase of derivative phantom stock linked to company shares. On 2026-06-01, the director bought 7 units of phantom stock at $42.31 per unit, each tied 1-for-1 to common stock and payable in cash after employment ends.
Following this transaction, reported holdings include 458,658 shares of common stock held directly, plus 1,000 shares held indirectly by a spouse and 36,800 shares held indirectly through Bray & Oakley Insurance. The director also now holds 57,999 units of phantom stock as a cash-settled, stock-based award.
United Bankshares, Inc. reported the results of its Annual Meeting of Shareholders held on May 13, 2026. Shareholders elected all fourteen nominated directors to one-year terms expiring at the 2027 Annual Meeting, with each nominee receiving over 98 million votes in favor.
Investors also ratified Ernst & Young LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2026, with 118,925,575 votes for and 3,680,997 against. On an advisory basis, shareholders approved the compensation of United’s named executive officers, with 100,970,987 votes for and 3,536,801 against, while 17,740,845 were broker non-votes.
UNITED BANKSHARES INC/WV director WINTER P CLINTON reported a small net purchase tied to company stock. He acquired 744 units of Phantom Stock, a cash-settled derivative equal to 1-for-1 with UBSI common stock, at $42.0559 per unit. After this, he holds 57,992 Phantom Stock units, 458,658 common shares directly, and additional indirect holdings through his spouse and Bray & Oakley Insurance.
United Bankshares, Inc. reported stronger quarterly results for the three months ended March 31, 2026, driven by higher net interest income and lower credit costs. Net income rose to $124.2 million from $84.3 million a year earlier, and diluted earnings per share increased to $0.89 from $0.59.
Net interest income improved to $282.5 million as loan interest and fee income increased while deposit and borrowing costs declined. The provision for credit losses fell to $7.8 million from $29.1 million, reflecting stable credit quality and modest growth in the allowance for loan and lease losses to $299.6 million.
Total assets were $33.7 billion, with net loans and leases of $24.6 billion and deposits of $27.1 billion. Operating cash flow was strong at $160.9 million, while the company continued returning capital through cash dividends of $0.38 per share and share repurchases, which increased treasury stock and slightly reduced total shareholders’ equity to $5.49 billion.
United Bankshares Inc. ownership report: Vanguard Capital Management discloses beneficial ownership of 7,425,788 shares of Common Stock, representing 5.32% of the class as of 03/31/2026. The filing shows sole voting power for 1,080,898 shares and sole dispositive power over 7,425,788 shares. The statement covers securities held for Vanguard funds and managed accounts and lists affiliated business divisions that exercise voting or dispositive power.