UBSI at a glance
UNITED BANKSHARES INC/WV (UBSI, SEC CIK 729986) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 24, 2026 and Form 4 insider filings as recently as October 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), UNITED BANKSHARES INC/WV (UBSI) reported revenue of $1.7 billion (up 12.2% from FY2024) and net income of $464.6 million. Diluted EPS was $3.27.
- As of June 30, 2026, 34 institutional investment managers tracked by SignalX reported holding UNITED BANKSHARES INC/WV (UBSI) shares worth $2.9 billion in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by WINTER P CLINTON on October 1, 2026 of 490 shares at $46.05 per share.
- In the last 90 days, UBSI insiders reported 0 open-market purchases ($0) and 1 open-market sale ($149K) on Form 4, a net sale of $149K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.7B
- +12.2% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$149K
- 13F holders
- 34 funds
- $2.9B · −1 vs prior quarter
- Latest 8-K
- Aug 24, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional bank providing lending, deposit, and mortgage services regulated by federal and state authorities
- Emphasis on compliance with Basel III capital requirements fully effective Jan 1, 2019, requiring minimum capital ratios plus 2.5% conservation buffer
- Risk management focus on CECL model for credit losses, incorporating macroeconomic forecasts and increased subjectivity in allowance estimates
- Potential liquidity and financial impact from mortgage loan repurchase obligations and indemnifications to buyers
- Regulatory capital constraints now more likely to affect dividends, share repurchases, and executive compensation based on capital shortfalls
Risk Factors
- Regulatory oversight from Board Risk Committee focusing on cybersecurity, vendor management, and business continuity planning
- Cybersecurity program based on NIST CSF and CIS Benchmarks with quarterly reporting on incidents to Board Risk Committee
- Dependence on Chief Risk & Information Officer and CISO with 24+ years experience for risk management and cybersecurity leadership
- Integration of Information Security with vendor management, disaster recovery, and incident response creating operational complexity
Management Discussion & Analysis
- Revenue details not explicitly disclosed; total assets up $3.64B (12.11%) to $33.66B driven by Piedmont acquisition adding $2.4B in assets
- Portfolio loans up $3.04B (14.01%), deposits up $3.10B (12.93%), shareholders’ equity up $502.76M (10.07%)
- Consolidated operations with Piedmont Bancorp acquisition; commercial loans best segment with $2.39B (20.14%) increase mainly in commercial real estate
- Cash and cash equivalents rose $250.01M (10.91%); net cash from operating activities $498.91M, financing $650.41M, investing used $899.31M; no buybacks/dividends detailed
- Management cautious on economic/trade policy uncertainties and tariffs; no material impact expected from new legislation (OBBBA); ongoing evaluation of credit losses and market conditions
AI summary of the UBSI 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $131.38M, up from $120.72M YoY; diluted EPS $0.95 vs $0.85
- Net interest income $285.31M vs $274.54M; provision for credit losses $4.96M vs $5.89M
- Return on average assets 1.56% vs 1.49%; return on average equity 9.53% vs 9.05%
- Cash and equivalents down $460.95M, or 18.13%, from year-end 2025
- Operating cash flow $266.02M; share repurchases $135.43M for 3,241,721 shares
Risk Factors
- No material risk-factor changes disclosed; 10-K risks incorporated by reference
- No newly triggered risk factor identified for quarter ended June 30, 2026
- Regulatory compliance: no changes to security-holder nominee procedures
- Capital allocation: 1,502,220 shares repurchased under 2025 Plan
- Liquidity exposure: 1,558,279 shares remaining under repurchase authorization
AI summary of the UBSI 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Third-quarter dividend approved at $0.38 per share, supporting shareholder income
- New repurchase authorization for up to 6.8 million shares, approximately 5% of shares outstanding
Item 2.02: Results of Operations and Financial Condition
- Second-quarter and first-half 2026 results announced July 23, 2026
- Detailed financial results available in Exhibit 99.1, the furnished earnings release
Item EX-99.1: Item EX-99.1
- Record Q2 2026 net income $131.4M, or $0.95 diluted EPS, up from $120.7M and $0.85 year-over-year
- First-half earnings $255.6M, or $1.83 diluted EPS, versus $205.0M and $1.44 in 2025
Item 5.07: Submission of Matters to a Vote of Security Holders
- All 14 director nominees elected to one-year terms expiring at the 2027 annual meeting
- Ernst & Young LLP ratified as independent auditor for fiscal 2026, with 118,925,575 votes for
AI summaries of UBSI 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for UBSI
Don't miss the next UBSI filing
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- Fund moves. Which tracked funds opened, added or cut UBSI, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| WINTER P CLINTON | Buy | Oct 1, 2026 | 490 | $46.05 |
| NESSELROAD MARK R | Sell | Sep 1, 2026 | 3,200 | $46.42 |
| WINTER P CLINTON | Buy | Aug 31, 2026 | 609 | $47.18 |
| WINTER P CLINTON | Buy | Aug 4, 2026 | 51 | $48.77 |
| WINTER P CLINTON | Buy | Jul 30, 2026 | 158 | $48.56 |
| WINTER P CLINTON | Buy | Jul 1, 2026 | 470 | $46.37 |
| WINTER P CLINTON | Buy | Jun 1, 2026 | 7 | $42.31 |
| WINTER P CLINTON | Buy | May 15, 2026 | 744 | $42.06 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.4B | $1.5B | $1.7B |
| Net Income | $366.3M | $373.0M | $464.6M |
| Net Margin | 26.1% | 24.8% | 27.6% |
| Balance Sheet | |||
| Total Assets | $29.9B | $30.0B | $33.7B |
| Equity | $4.8B | $5.0B | $5.5B |
| ROE | 7.7% | 7.5% | 8.5% |
| Per Share | |||
| EPS | - | $2.75 | $3.27 |
| Cash Flow | |||
| Operating CF | $435.2M | $445.5M | $498.9M |
| CapEx | $11.7M | $12.1M | $17.7M |
Source: XBRL data in UNITED BANKSHARES INC/WV (UBSI)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate UBSI share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 34 | $2.94B |
| Q1 2026 | 35 | $2.65B |
| Q4 2025 | 33 | $2.41B |
| Q3 2025 | 33 | $2.38B |
| Q2 2025 | 32 | $2.30B |
| Q1 2025 | 27 | $1.40B |
| Q4 2024 | 22 | $1.38B |
| Q3 2024 | 19 | $783.6M |
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- M&T Bank−6.7K
Source: 13F-HR filings on SEC EDGAR (aggregated from 235 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
UBSI filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Aug 31, 2026 | - | - | - |
| 8-K | Aug 24, 2026 | - | Analysis | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Jul 30, 2026 | - | - | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jun 2, 2026 | - | - | |
| 8-K | May 18, 2026 | - | Analysis | |
| 4 | May 15, 2026 | - | - | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| SC 13G | Apr 30, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - | |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 4 | Apr 1, 2026 | - | - | - |
| 4 | Mar 5, 2026 | - | - | - |
| 10-K | Feb 27, 2026 | Dec 31, 2025 | Analysis | |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Feb 25, 2026 | - | - | - |
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UBSI SEC filings: frequently asked questions
Are UBSI insiders buying or selling?
In the last 90 days, UNITED BANKSHARES INC/WV (UBSI) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $148,544 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold UBSI stock?
As of June 30, 2026, the largest UNITED BANKSHARES INC/WV (UBSI) holders among the 13F filers tracked by SignalX were BlackRock ($925.2 million), State Street Corp ($399.1 million), Dimensional Fund Advisors ($352.5 million), Vanguard Portfolio Management LLC ($333.7 million), Vanguard Capital Management LLC ($286.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was UBSI's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), UNITED BANKSHARES INC/WV (UBSI) reported revenue of $1.7 billion (up 12.2% from FY2024) and net income of $464.6 million. Diluted EPS was $3.27. The figures come from the XBRL data in the 10-K.
What are the main risks in UBSI's latest 10-K?
In the 10-K filed February 27, 2026, UNITED BANKSHARES INC/WV (UBSI) flagged: Regulatory oversight from Board Risk Committee focusing on cybersecurity, vendor management, and business continuity planning. Cybersecurity program based on NIST CSF and CIS Benchmarks with quarterly reporting on incidents to Board Risk Committee. (AI summary of the Risk Factors section.)
What did UBSI report in its latest 8-K?
UNITED BANKSHARES INC/WV (UBSI) filed an 8-K on August 24, 2026 reporting Item 8.01 (Other Events). Third-quarter dividend approved at $0.38 per share, supporting shareholder income.
What are the latest UBSI SEC filings?
UNITED BANKSHARES INC/WV (UBSI) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 24, 2026 and a Form 4 insider filing on October 2, 2026.
What is UBSI's SEC CIK number?
UNITED BANKSHARES INC/WV (UBSI)'s SEC Central Index Key (CIK) is 729986. EDGAR lists every UBSI filing under that number.
Ask anything about UBSI
The research agent reads UBSI's filings, financials, insider trades and 13F holders, then answers with sources.