Short answer
UNITED BANKSHARES INC/WV (UBSI) filed its fiscal 2025 10-K annual report with the SEC on Feb 27, 2026. It reported revenue of $1.7B (+12.2% year over year) and net income of $465M.
- Top risk flagged: Regulatory oversight from Board Risk Committee focusing on cybersecurity, vendor management, and business continuity planning
FY2025 key financial metrics · XBRL
- Revenue
- $1.7B
- +12.2% YoY
- Net income
- $465M
- +24.6% YoY
- EPS (diluted)
- $3.27
- +18.9% YoY
- ROE
- 8.5%
- +1.0 pp YoY
- Operating cash flow
- $499M
- +12.0% YoY
Source: XBRL data from the UNITED BANKSHARES INC/WV (UBSI) FY2025 10-K on SEC EDGAR. USD.
UNITED BANKSHARES INC/WV FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
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
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
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