United Bankshares, Inc. (NASDAQ: UBSI) is a bank holding company that provides commercial and retail banking services. The company makes money primarily through net interest income, the spread between interest earned on loans and investments and interest paid on deposits and borrowings, supplemented by noninterest income from fees and service charges. UBSI is listed on the NASDAQ Global Select Market and has common shares with a par value of $2.50 per share. The 10-K filed 2026-02-27 (accession 0001193125-26-081470) covers the fiscal year ended in that reporting cycle. The filing identifies UBSI as a well-known seasoned issuer. Beyond these registration-level details, the filing excerpts provided do not supply sufficient operational, financial, or competitive specifics to characterize segment revenue, branch counts, geographic footprint, leadership, founding history, or named competitors with source-backed precision.

Revenue model

Net interest income from the spread between loan and investment yields and deposit funding costs, plus noninterest income from banking fees and service charges. Specific revenue figures are not supported by the filing excerpts provided.

Products and services

Commercial banking, retail banking, and related financial services. Specific product lines, brand names, or segment breakdowns are not supported by the filing excerpts provided.

Customers and end markets

Commercial and retail banking customers. Specific customer counts, concentration data, or end-market breakdowns are not supported by the filing excerpts provided.

Value-chain role

Bank holding company and direct financial services provider to commercial and retail customers.

Geographic exposure

Not supported by the filing excerpts provided.

Source: SEC 10-K, filed 2026-02-27

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