UBSI UNITED BANKSHARES INC/WV
FY2025 10-K
UNITED BANKSHARES INC/WV (UBSI) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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%)
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
Financial SummaryXBRL
Revenue
$1.7B
Net Income
$465M
Net Margin
27.6%
ROE
8.5%
Total Assets
$33.7B
EPS (Diluted)
$3.27
Operating Cash Flow
$499M
Source: XBRL data from UNITED BANKSHARES INC/WV FY2025 10-K filing on SEC EDGAR. All figures in USD.
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