UBSI UNITED BANKSHARES INC/WV

company

SEC Filings & Insider Trading Activity 2026

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
• • No specific disclosed geopolitical, competitive, or financial risk detailed in this section

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

What are the latest UBSI SEC filings in 2026?

UNITED BANKSHARES INC/WV (UBSI) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on July 23, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did UBSI file its most recent 10-K annual report?

UNITED BANKSHARES INC/WV (UBSI) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view UBSI 10-Q quarterly reports?

UNITED BANKSHARES INC/WV (UBSI)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every UBSI 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has UBSI filed recently?

UNITED BANKSHARES INC/WV (UBSI)'s most recent 8-K was filed on July 23, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find UBSI insider trading activity (Form 4)?

SignalX aggregates every UBSI Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does UBSI file with the SEC?

UNITED BANKSHARES INC/WV (UBSI) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new UBSI filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for UNITED BANKSHARES INC/WV (UBSI).

What is UBSI's SEC CIK number?

UNITED BANKSHARES INC/WV (UBSI)'s SEC CIK (Central Index Key) number is 729986. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 729986 to look up all UBSI filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find UBSI return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from UNITED BANKSHARES INC/WV (UBSI) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.