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, an AI 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 66.2/100, ranked #424 of 2,925 stocks on a composite quality score built from its SEC filings, covering 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

NasdaqMid CapFinancials

13F Pro quality score

Rank #424 of 2,925TOP 25%

Why it scores 66 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$323.82M

Quarter to Jun 30

Net income

$131.38M

Quarter to Jun 30

Free cash flow

$98.01M

Quarter to Jun 30

Operating margin

50.7%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$4.72B total

BlackRock, Inc.

$925.21M+0.1%

STATE STREET CORP

$399.13M+8.4%

DIMENSIONAL FUND ADVISORS LP

$352.50M+0.4%

VANGUARD PORTFOLIO MANAGEMENT LLC

$333.68M0.0%

VANGUARD CAPITAL MANAGEMENT LLC

$286.29M-1.5%

GEODE CAPITAL MANAGEMENT, LLC

$188.33M+4.2%

EARNEST PARTNERS LLC

$181.97M-4.0%

VICTORY CAPITAL MANAGEMENT INC

$135.07M-5.5%

AQR CAPITAL MANAGEMENT LLC

$104.36M-3.6%

NORTHERN TRUST CORP

$78.28M+3.6%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$76.39M-1.7%

NORGES BANK

$72.00M--

GOLDMAN SACHS GROUP INC

$71.91M0.0%

SILVERCREST ASSET MANAGEMENT GROUP LLC

$71.35M-6.0%

MORGAN STANLEY

$68.55M-7.0%

BANK OF AMERICA CORP /DE/

$64.80M-13.4%

Fisher Asset Management, LLC

$63.97M+15.2%

Bank of New York Mellon Corp

$60.97M-2.3%

FULLER & THALER ASSET MANAGEMENT, INC.

$58.40M-4.0%

VAUGHAN NELSON INVESTMENT MANAGEMENT, L.P.

$52.22M+36.9%

BNP Paribas Asset Management Holding S.A.

$45.04M-0.2%

VANGUARD FIDUCIARY TRUST CO

$41.98M+1.2%

ProShare Advisors LLC

$35.54M-0.4%

Nuveen, LLC

$35.52M-14.1%

UNITED BANK

$32.68M+0.3%

See all 452 institutional holders →

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 →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

Debt/Equity

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

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Earnings Per Share

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UNITED BANKSHARES INC/WV reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating 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	$1.0B	$379.6M	45.3%
FY 2021	10-K	$1.0B	$367.7M	45.3%
FY 2020	10-K	$1.0B	$289.0M	34.4%

About UNITED BANKSHARES INC/WV (UBSI): stock profile, AI score and financials

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 66.2/100 on a composite quality score built from its SEC filings, placing it at rank #424 of 2,925 stocks — the top 25% of the AI-ranked universe. UBSI scores in the top quartile across profitability (96.6), free cash flow (92.2). Areas of concern include earnings quality (38.4), 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.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 729986 →

UNITED BANKSHARES INC/WV UBSI

Top Institutional Holders

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

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

UBSI key financials by period

UBSI insiders

Congress trading in UBSI

About UNITED BANKSHARES INC/WV (UBSI): stock profile, AI score and financials

UNITED BANKSHARES INC/WV UBSI

Top Institutional Holders

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

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

UBSI key financials by period

Companies similar to UBSI

UBSI insiders

Congress trading in UBSI

About UNITED BANKSHARES INC/WV (UBSI): stock profile, AI score and financials