UBSI is the ticker symbol for UNITED BANKSHARES INC/WV, a publicly traded Financials sector company listed on Nasdaq. 13F Pro tracks UBSI with AI-powered analysis, a 32-signal quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is UBSI a good stock to buy?

13F Pro's AI ranking engine scores UBSI at 66.4/100, ranked #417 of 2,960 stocks based on 32 fundamental signals including profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for UBSI is available at https://13fpro.ai/company/UBSI. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source UBSI data?

All UNITED BANKSHARES INC/WV fundamentals and ownership data come directly from SEC EDGAR. UNITED BANKSHARES INC/WV files with the SEC under CIK 729986. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

UNITED BANKSHARES INC/WV(UBSI)— Stock Profile, AI Score & Financials

Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated 2026-06-30.

UNITED BANKSHARES INC/WV (UBSI) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores UBSI at 66.4/100 on a 32-signal composite quality model, placing it at rank #417 of 2,960 stocks — the top 25% of the AI-ranked universe. UBSI scores in the top quartile across profitability (97.0), free cash flow (91.8). Areas of concern include earnings quality (39.1), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), UNITED BANKSHARES INC/WV reports quarterly revenue of $323.8M, net income of $131.4M, an operating margin of 50.7%. Top institutional holders of UBSI by reported 13-F value include BlackRock, STATE STREET, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. UBSI trades on the Nasdaq exchange and files with the SEC under CIK 729986. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UBSI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UNITED BANKSHARES INC/WV directly from SEC EDGAR.

AI Quality Score

66.4/100

AI Rank

#417

Revenue

$323.8M

Net Income

$131.4M

Free Cash Flow

$98.0M

Operating Margin

50.7%

UBSI key financials by period

UNITED BANKSHARES INC/WV reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Operating margin
FY 2025	10-K	$1.2B	$464.6M	47.1%
FY 2024	10-K	$1.0B	$373.0M	44.9%
FY 2023	10-K	$1.1B	$366.3M	44.0%
FY 2022	10-K	$312.0M	$379.6M	152.5%
FY 2021	10-K	$331.0M	$367.7M	139.8%
FY 2020	10-K	$263.2M	$289.0M	136.7%

Institutions holding UBSI

Institutional investors reporting a position in UNITED BANKSHARES INC/WV on SEC Form 13F.
Institution	Shares	Value	Reported
BlackRock	20,187,911	$925.2M	2026-06-30
STATE STREET	8,640,931	$399.1M	2026-06-30
DIMENSIONAL FUND ADVISORS	7,691,387	$352.5M	2026-06-30
VANGUARD PORTFOLIO MANAGEMENT	7,280,922	$333.7M	2026-06-30
VANGUARD CAPITAL MANAGEMENT	6,246,820	$286.3M	2026-06-30
GEODE CAPITAL MANAGEMENT	4,108,797	$188.3M	2026-06-30
EARNEST PARTNERS	3,970,649	$182.0M	2026-06-30
VICTORY CAPITAL MANAGEMENT	2,947,138	$135.1M	2026-06-30
AQR CAPITAL MANAGEMENT	2,289,566	$104.4M	2026-06-30
NORTHERN	1,707,953	$78.3M	2026-06-30

SEC EDGAR: CIK 729986 →

UNITED BANKSHARES INC/WV

UBSI

NasdaqMid CapFinancials

13F Pro Quality Score

66.4/100

Rank #417 of 2,960 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

63.3/100

Profitability

97.0/100

Balance Sheet

49.7/100

Earnings Quality

39.1/100

Free Cash Flow

91.8/100

Institutional Flow

60.2/100

Revenue Scale

54.8/100

Dilution Risk

55.4/100

Price Chart

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What's Driving UBSI's Business? Latest 10-Q Breakdown

AI-extracted from the 10-Q filed 2026-08-07 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Biggest Revenue Drivers

Interest and fees on loans$369.6M-0.3% YoY

Yield on average net loans decreased 27 basis points YoY, partially offset by $970.6M increase in average net loans.

Interest on federal funds and short-term investments$17.9M-21.0% YoY

Decrease reflects lower short-term interest rates and reduced average balances of short-term investments.

Biggest Revenue Drivers

Total revenue: $418.2M-0.7% YoY

Interest and fees on loans$369.6M-0.3% YoY

Yield on average net loans decreased 27 basis points YoY, partially offset by $970.6M increase in average net loans.

Interest on federal funds and short-term investments$17.9M-21.0% YoY

Decrease reflects lower short-term interest rates and reduced average balances of short-term investments.

Fees from trust, brokerage, deposit and card services$18.3M

Increased from Q2 2025 driven by higher brokerage fees (+39.1%) and deposit services fees.

Largest Expense Items

Interest on deposits$126.1M-9.4% YoY

Rate paid on average interest-bearing deposits decreased 38 basis points YoY despite 4.59% increase in average balances.

Employee compensation$66.5M+5.75% YoY

Increase driven by higher salaries, brokerage commissions, employee incentives and stock-based compensation costs.

Employee benefits$16.3M+21.3% YoY

Primarily due to higher postretirement benefit costs.

Interest on short-term and long-term borrowings$6.7M-8.8% YoY

Lower rates on short-term and long-term borrowings as interest rate environment continues to decline.

Margins: Net interest margin remained stable at 3.81% in Q2 2026 versus Q2 2025. Fully tax-equivalent net interest income increased 3.91% YoY, driven primarily by lower deposit costs (38 bps decrease) and 4.10% growth in average net loans, partially offset by 27 bps yield compression on loans and 5.51% increase in average interest-bearing deposit balances.

Watch Items from the Filing

Commercial real estate nonowner-occupied loans represent $8.72B (34.8% of total loans); nonaccrual loans in this segment increased to $71.2M at June 30, 2026 from $71.0M at December 31, 2025.
Nonperforming loans increased 9.0% to $110.6M at June 30, 2026 from $101.5M at year-end 2025; nonperforming asset ratio increased to 0.36% from 0.34%.
Allowance for loan and lease losses declined to 270.68% of nonperforming loans from 293.22% at December 31, 2025, driven by 8.9% increase in nonaccrual loans.
Return on average tangible common equity improved to 15.15% in Q2 2026 from 14.67% in Q2 2025; return on average equity at 9.53% versus 9.05% YoY, indicating strong capital efficiency.
Well-capitalized regulatory position maintained with Common Equity Tier 1 ratio of 13.30% (requirement 6.5%) and risk-based capital ratio of 15.57% (requirement 10.0%).

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →