GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

UBSI · Dec 31, 2023

UNITED BANKSHARES INC/WV. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001193125-24-053462Bank
Sequential deposit growth45thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

0.63% · CORE · VALID

Net-income growth25thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-3.51% · CORE · VALID

Interest-expense growth85thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

356.04% · CORE · VALID

Interest-income growth90thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

39.85% · CORE · VALID

Cash and equivalents58thOwn-history percentile · N=12
Evidence method

Level · gp.fundamentals.cash

$1.6B · CORE · VALID

Sequential loan growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.23% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History41 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
1.37%
Current
0.63%
Delta
-0.74%
Earnings Growth Increased
Previous
-6.27%
Current
-3.51%
Delta
2.76%
Funding Cost Growth Decreased
Previous
457.03%
Current
356.04%
Delta
-100.99%
Interest Income Growth Increased
Previous
35.36%
Current
39.85%
Delta
4.50%
Liquidity Increased
Previous
$1.2B
Current
$1.6B
Delta
$414.9M
Loan Growth Decreased
Previous
1.61%
Current
1.23%
Delta
-0.37%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.