8-K ·Filed Apr 23, 2026
8-K Item 2.02: Earnings release
Actionable Insight • Neutral
Monitor Q2 earnings for signs of margin pressure as loan accretion income declines and deposit costs rise; the 3.80% net interest margin is near the lower end of recent range.
Final — all horizons settled through T+60d
UBSI ▲ +7.45% at T+60d
NEUTRAL call +7.45% · α vs SPY +2.43% · entry $43.91 → $47.18
T+1d
-0.96%
call -0.96% · α -1.74%
$43.49
settled 6mo ago
T+5d
-1.32%
call -1.32% · α -2.80%
$43.33
settled 6mo ago
T+20d
-1.75%
call -1.75% · α -6.39%
$43.14
settled 5mo ago
T+60d
+7.45%
call +7.45% · α +2.43%
$47.18
settled 3mo ago
Price Chart
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Executive Summary
United Bankshares reported Q1 2026 earnings of $0.89 per share, a 2.2% decline from Q4 2025's $0.91, driven by a $1 million drop in loan accretion income and a $1.1 million increase in FDIC insurance expense. Net interest margin held steady at 3.80%.
Key Financial Metrics
EPS
$0.89
est $0.85 · +4.7%
Revenue
$316.6M
est $318.0M · -0.4% · +9.0% YoY
Rating
in line
Key Facts
- Q1 2026 EPS: $0.89 (vs $0.91 in Q4 2025)
- Net interest income: $282.5 million (down 2% QoQ)
- Net interest margin: 3.80% (down from 3.83%)
- Provision for credit losses: $7.8 million (up from $6.8 million)
- Share repurchases: 1.7 million shares at $39.92 avg price ($69.4 million)
Financial Impact
$4.9 million decrease in net interest income QoQ
netInterestIncomeprovisionForCreditLossesnoninterestExpense
Risk Factors
- Declining loan accretion income
- Rising FDIC insurance costs
- Flat net interest margin
Market Snapshot
Exchange
Nasdaq
Sector
State Commercial Banks
Investment Themes
Traditional Finance
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-171886 |
| Document: d33010dex992.htm | 0001193125-26-171886 |
| Document: d33010d8k.htm | 0001193125-26-171886 |
| Document: 0001193125-26-171886-index-headers.html | 0001193125-26-171886 |
| Document: 0001193125-26-171886-index.html | 0001193125-26-171886 |
| Document: 0001193125-26-171886.txt | 0001193125-26-171886 |
| 8-K Data (Synthetic) | 0001193125-26-171886 |
6 reports for UBSI
Track record builds as more directional reports settle.
Filters
Rows
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | 8-K | $48.46 | awaiting T+60 | — | $48.52 (+0.12%) |
Sep 2, 2026 7w ago | Insider Cluster | $47.30 | awaiting T+60 | — | $48.52 (+2.58%) |
Aug 24, 2026 9w ago | 8-K | $47.80 | awaiting T+60 | — | $48.52 (+1.51%) |
Jul 23, 2026 13w ago | 8-K | $47.36 $46.60 | ▼ −1.60% | ▼ −6.16% | $48.52 (+2.45%) |
Apr 23, 2026 26w ago | 8-K | $43.91 $47.18 | ▲ +7.45% | ▲ +2.43% | $48.52 (+10.50%) |
Apr 1, 2026 29w ago | DEFA14A | $41.68 $45.72 | ▲ +9.69% | ▼ −3.69% | $48.52 (+16.41%) |
Showing 6 of 6
US Market Status
Market Closed — Opens Wed (< 1m)
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