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/company/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/company/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.

What drives UBSI's revenue?

Per UNITED BANKSHARES INC/WV's latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Interest and fees on loans ($369.6M, -0.3% YoY); Interest on federal funds and short-term investments ($17.9M, -21.0% YoY); Fees from trust, brokerage, deposit and card services ($18.3M). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/UBSI.

What are UBSI's largest expenses?

UNITED BANKSHARES INC/WV's latest 10-Q reports these as the largest expense items: Interest on deposits ($126.1M, -9.4% YoY); Employee compensation ($66.5M, +5.75% YoY); Employee benefits ($16.3M, +21.3% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

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

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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

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Why UBSI Scores 66/100

exact factor attribution · 2026-09-11

UBSI's composite is driven by profitability and free cash flow, held back by earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.4 pts

97th pct

Free cash flow

+6.3 pts

92th pct

Revenue growth

+3.5 pts

63th pct

Earnings growth

+1.5 pts

72th pct

Scale

+1.0 pts

55th pct

Institutional flow

+0.7 pts

60th pct

Shareholder dilution

+0.4 pts

55th pct

Capital efficiency

-0.0 pts

50th pct

Earnings quality

-1.1 pts

39th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

UBSI Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for UNITED BANKSHARES INC/WV (UBSI), 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. UNITED BANKSHARES INC/WV's 13F Pro composite quality score has ranged between 33 and 66 since 2023, currently 66.4 — an improving long-term trajectory across 16 quarterly and live scoring snapshots.

✦

Fun facts about UNITED BANKSHARES INC/WV

Quirks, history, and lore behind UBSI — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. regional bank holding company · mid-cap · listed on Nasdaq · headquartered in West Virginia.
2
The Numbers
It holds roughly $30 billion in assets and operates well over 200 banking offices spread across the Mid-Atlantic and Southeast.
3
The History
Founded in the late 1800s, it has grown primarily through acquisitions — quietly gobbling up community banks across Virginia, North Carolina, and neighboring states for decades.
4
The Secret
It's one of the largest banks headquartered in West Virginia, a state not exactly known as a banking powerhouse — making it a surprisingly big fish in a small pond.
5
The Lore
The company has maintained a long streak of consecutive dividend payments, making it a quiet favorite among income-focused investors who appreciate boring over flashy.
6
The Giveaway
Its ticker is four letters starting with UBS — no, not that Swiss giant — this one calls Charleston, West Virginia home and has "Bankshares" right in the name.

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

AI-extracted from UNITED BANKSHARES INC/WV's 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 →Share on X

Revenue

Q2 2026

$323.8M

Net Income

Q2 2026

$131.4M

Free Cash Flow

Q2 2026

$98.0M

Operating Margin

Q2 2026

50.7%

ROIC

Q2 2026

11.6%

D/E Ratio

Q2 2026

0.03

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+19.6% YoY

$1.24BFY 2025

FY22 $312.0MFY23 $1.06BFY24 $1.03BFY25 $1.24B

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

Free Cash Flow

+11.0% YoY

$481.2MFY 2025

FY22 $744.0MFY23 $423.6MFY24 $433.3MFY25 $481.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.24B +19.6%	$1.03B -1.9%	$1.06B +238.2%	$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
Free Cash Flow	$481.2M +11.0%	$433.3M +2.3%	$423.6M -43.1%	$744.0M +25.2%	$594.2M +389.3%	$121.4M

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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.
$925.2M20,187,911 sh
STATE STREET CORP
$399.1M8,640,931 sh
DIMENSIONAL FUND ADVISORS LP
$352.5M7,691,387 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$333.7M7,280,922 sh
VANGUARD CAPITAL MANAGEMENT LLC
$286.3M6,246,820 sh
GEODE CAPITAL MANAGEMENT, LLC
$188.3M4,108,797 sh
EARNEST PARTNERS LLC
$182.0M3,970,649 sh
VICTORY CAPITAL MANAGEMENT INC
$135.1M2,947,138 sh
AQR CAPITAL MANAGEMENT LLC
$104.4M2,289,566 sh
NORTHERN TRUST CORP
$78.3M1,707,953 sh

Fund	Value	Shares
BlackRock, Inc.	$925.2M	20,187,911
STATE STREET CORP	$399.1M	8,640,931
DIMENSIONAL FUND ADVISORS LP	$352.5M	7,691,387
VANGUARD PORTFOLIO MANAGEMENT LLC	$333.7M	7,280,922
VANGUARD CAPITAL MANAGEMENT LLC	$286.3M	6,246,820
GEODE CAPITAL MANAGEMENT, LLC	$188.3M	4,108,797
EARNEST PARTNERS LLC	$182.0M	3,970,649
VICTORY CAPITAL MANAGEMENT INC	$135.1M	2,947,138
AQR CAPITAL MANAGEMENT LLC	$104.4M	2,289,566
NORTHERN TRUST CORP	$78.3M	1,707,953

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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. UBSI is classified as a mid company.

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.