UNITED BANKSHARES INC/WV (UBSI) FY2025 10-K Annual Report
UNITED BANKSHARES INC/WV (UBSI) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
UNITED BANKSHARES INC/WV FY2025 10-K Analysis
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
UNITED BANKSHARES INC/WV FY2025 Key Financial MetricsXBRL
Revenue
$1.7B
▲ +12.2% YoY
Net Income
$465M
▲ +24.6% YoY
Net Margin
27.6%
▲ +273bp YoY
ROE
8.5%
▲ +98bp YoY
Total Assets
$33.7B
▲ +12.1% YoY
EPS (Diluted)
$3.27
▲ +18.9% YoY
Operating Cash Flow
$499M
▲ +12.0% YoY
Source: XBRL data from UNITED BANKSHARES INC/WV FY2025 10-K filing on SEC EDGAR. All figures in USD.
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