Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

UNITED BANKSHARES INC/WV
Next earnings Jul 22, 2026 · consensus $0.90 EPS, $326M rev
Last earnings +1.2% on 2026-04-23
Conservative Mid-Atlantic regional bank growing EPS ~19% to $3.27, at a reasonable 13.6x with a solid dividend and resumed buybacks.
Sources: SEC EDGAR (CIK 0000729986, latest 10-Q filed 2026-05-08) · EODHD · analysis by claude-code · as of 6/21/2026, 8:55:11 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Quality fundamentals and an attractive price line up (~56% below fair value) — the rarer case where both the business and the entry look good.
United Bankshares is a conservative regional bank operating 237 offices across West Virginia, Virginia, the Carolinas, Georgia, Maryland and the DC metro. FY2025 was a strong year: net income grew 24.6% to $465M and diluted EPS rose 18.9% to $3.27, helped by a 2.6% reduction in shares. Total assets expanded 12.1% to $33.7B and stockholders' equity grew 10.1% to $5.50B, indicating both balance-sheet growth and internal capital generation. (Note: the headline revenue, P/S and net-margin figures are distorted by stale XBRL tagging and are not meaningful for a bank — the relevant lenses are EPS, ROE, P/E and dividend coverage.)
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
Unlock with Pro€15/mo · cancel anytime
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $331M | $312M | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $368M | $380M | $366M | $373M | $465M |
| Diluted EPS | $2.83 | $2.80 | $2.71 | $2.75 | $3.27 |
| Net margin | 111.1% | 121.7% | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
1482 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
| 2026-02-23 | Tatterson William Mark Executive Vice President | Award | 9.25K | |
| 2026-02-23 | Tatterson William Mark Executive Vice President | Tax | 1.33K @ $44.28 | $58.8K |
| 2026-02-23 | Tatterson William Mark Executive Vice President | Tax | 4.20K @ $44.28 | $186K |
| 2026-02-23 | Gurtis Julie R Executive Vice President | Tax | 898.00 @ $44.28 | $39.8K |
| 2026-02-23 | Humphrey Matthew L Executive Vice President | Tax | 1.02K @ $44.28 | $45.1K |
| 2026-02-23 | Draber Ross M Executive Vice President | Award | 3.70K | |
| 2026-02-23 | Draber Ross M Executive Vice President | Tax | 532.00 @ $44.28 | $23.6K |
| 2026-02-23 | Draber Ross M Executive Vice President | Tax | 1.80K @ $44.28 | $79.7K |
| 2026-02-22 | Tatterson William Mark Executive Vice President | Tax | 1.89K @ $44.28 | $83.6K |
| 2026-02-22 | Gurtis Julie R Executive Vice President | Tax | 996.00 @ $44.28 | $44.1K |
| 2026-02-22 | Humphrey Matthew L Executive Vice President | Tax | 1.14K @ $44.28 | $50.3K |
| 2026-02-22 | Draber Ross M Executive Vice President | Tax | 748.00 @ $44.28 | $33.1K |
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.