United Bankshares (UBSI) risk factors

Item 1A of every United Bankshares Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
31 risks3 new3 dropped4 reworded
The company added specific focus on fraud, AI and technology adoption, and fintech competitors. Vendor risk and competitive pressures were updated.
Filed Feb 27, 2026
FY2024 10-K risk factors
31 risks
United Bankshares faces heavy banking regulation, interest rate sensitivity, credit risks in its loan portfolio, and reliance on IT infrastructure.
Filed Feb 28, 2025