What is the 13F Pro Quality Score for UBSI?

13F Pro ranks UNITED BANKSHARES INC/WV (UBSI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UBSI's current score at https://13fpro.ai/research/UBSI (free sign-up required for the full ranking).

Which hedge funds own the most UBSI stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of UBSI include BlackRock,, STATE STREET, DIMENSIONAL FUND ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/UBSI as soon as new 13F filings post.

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.

What sector is UBSI in?

UNITED BANKSHARES INC/WV (UBSI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is UBSI research updated on 13F Pro?

UBSI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UNITED BANKSHARES INC/WV(UBSI)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaq

Institutional-grade research for retail investors

SEC EDGAR: CIK 729986 UBSI stock profile & AI dashboard →

13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

UBSI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for UNITED BANKSHARES INC/WV (UBSI), a Financials sector company. UBSI is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), UNITED BANKSHARES INC/WV reports quarterly revenue of $316.6M, net income of $124.2M, an operating margin of 49.3%. 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. UNITED BANKSHARES INC/WV's 13F Pro composite quality score has ranged between 33 and 36 since 2023, currently 34.6 — a stable long-term trajectory across 8 quarterly and live scoring snapshots.

Revenue

Q1 2026

$316.6M

Net Income

Q1 2026

$124.2M

Free Cash Flow

Q1 2026

$156.0M

Operating Margin

Q1 2026

49.3%

D/E Ratio

Q1 2026

0.03

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

—FY 2025

FY22 $312.0MFY23 —FY24 —FY25 —

Net Income

+24.6% YoY

$464.6MFY 2025

FY22 $379.6MFY23 $366.3MFY24 $373.0MFY25 $464.6M

EPS (Diluted)

+18.9% YoY

$3.27FY 2025

FY22 $2.80FY23 $2.71FY24 $2.75FY25 $3.27

Total Assets

+12.1% YoY

$33.66BFY 2025

FY22 $29.49BFY23 $29.93BFY24 $30.02BFY25 $33.66B

Total Debt

+1.9% YoY

$730.4MFY 2025

FY22 $2.36BFY23 $1.99BFY24 $716.5MFY25 $730.4M

Op. Cash Flow

+12.0% YoY

$498.9MFY 2025

FY22 $760.8MFY23 $435.2MFY24 $445.5MFY25 $498.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	—	—	—	$312.0M -5.7%	$331.0M +25.7%	$263.2M
Net Income	$464.6M +24.6%	$373.0M +1.8%	$366.3M -3.5%	$379.6M +3.2%	$367.7M +27.2%	$289.0M
EPS (Diluted)	$3.27 +18.9%	$2.75 +1.5%	$2.71 -3.2%	$2.80 -1.1%	$2.83 +17.9%	$2.40
Total Assets	$33.66B +12.1%	$30.02B +0.3%	$29.93B +1.5%	$29.49B +0.5%	$29.33B +12.0%	$26.18B
Total Debt	$730.4M +1.9%	$716.5M -63.9%	$1.99B -15.8%	$2.36B +149.2%	$946.2M -6.0%	$1.01B
Operating Cash Flow	$498.9M +12.0%	$445.5M +2.3%	$435.2M -42.8%	$760.8M +24.8%	$609.5M +334.0%	$140.4M

AI Insight: UBSI Financial Trends

Net income rebounded 32% from Q1 2025 lows, while operating cash flow strengthened and debt leverage compressed to multi-year lows.

• Net income recovered from $84M in Q1 2025 to $124M in Q1 2026, a 48% rebound over four quarters.

• Operating cash flow averaged $129M over trailing four quarters, up from $110M average in prior year, signaling improved operational liquidity.

• Total debt fell to $166M in Q1 2026, the lowest level since Q2 2024, while equity rose 13% to $5,488M year-over-year.

⚠ Operating cash flow declined 26% quarter-over-quarter from Q4 2025 to Q1 2026, from $139M to $161M; seasonal or structural shift unclear.

⚠ Net income volatility persists: Q1 2025 trough of $84M followed by Q3 2025 peak of $131M suggests earnings stability still in question.

AI Insight: UBSI Ratio Trends

UBSI rebounds to TTM ROE of 9.2% and ROIC of 11.2%, recovering from Q1 2025 weakness, with leverage compressed to near-zero.

• ROE improved from 6.3% in Q1 2025 to 9.0% in Q1 2026; TTM ROE now 9.2% vs. 8.0% in Q2 2024.

• ROIC expanded to 11.2% TTM and 11.0% in Q1 2026, up from 7.4% trough in Q1 2025.

• Debt-to-equity fell to 0.03 TTM from 0.29 in Q2 2024, indicating significant deleveraging.

⚠ ROA flat at 1.5% TTM despite ROE and ROIC gains—asset productivity unchanged; monitor capital deployment efficiency.

⚠ Q1 2026 ROE/ROIC slightly below Q3 2025 peaks (9.6%/11.2%); confirm whether trend stabilizing or rolling over.

Get alerted when UBSI's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for UNITED BANKSHARES INC/WV including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UBSI

BlackRock, Inc.
$835.3M20,166,538 sh
STATE STREET CORP
$333.2M7,974,217 sh
DIMENSIONAL FUND ADVISORS LP
$317.3M7,661,331 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$301.4M7,277,538 sh
VANGUARD CAPITAL MANAGEMENT LLC
$262.8M6,344,890 sh
EARNEST PARTNERS LLC
$171.3M4,134,503 sh
GEODE CAPITAL MANAGEMENT, LLC
$163.3M3,942,183 sh
VICTORY CAPITAL MANAGEMENT INC
$129.2M3,119,919 sh
AQR CAPITAL MANAGEMENT LLC
$98.1M2,374,689 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$70.2M1,694,830 sh

Fund	Value	Shares
BlackRock, Inc.	$835.3M	20,166,538
STATE STREET CORP	$333.2M	7,974,217
DIMENSIONAL FUND ADVISORS LP	$317.3M	7,661,331
VANGUARD PORTFOLIO MANAGEMENT LLC	$301.4M	7,277,538
VANGUARD CAPITAL MANAGEMENT LLC	$262.8M	6,344,890
EARNEST PARTNERS LLC	$171.3M	4,134,503
GEODE CAPITAL MANAGEMENT, LLC	$163.3M	3,942,183
VICTORY CAPITAL MANAGEMENT INC	$129.2M	3,119,919
AQR CAPITAL MANAGEMENT LLC	$98.1M	2,374,689
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$70.2M	1,694,830

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put UBSI on your watchlist

Track score changes the day UNITED BANKSHARES INC/WV files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is UBSI a good stock to buy?

13F Pro's AI-powered analysis of UNITED BANKSHARES INC/WV (UBSI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UBSI are available on the UBSI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own UBSI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UBSI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UNITED BANKSHARES INC/WV's investment landscape.