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WESBANCO INC (WSBC) Stock Fundamental Analysis

NASDAQ:WSBC - Nasdaq - US9508101014 - Common Stock - Currency: USD

29.79  +0.01 (+0.03%)

Fundamental Rating

4

WSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and financial health of WSBC have multiple concerns. WSBC is not valued too expensively and it also shows a decent growth rate. WSBC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

WSBC had positive earnings in the past year.
WSBC had a positive operating cash flow in the past year.
In the past 5 years WSBC has always been profitable.
WSBC had a positive operating cash flow in each of the past 5 years.
WSBC Yearly Net Income VS EBIT VS OCF VS FCFWSBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

1.2 Ratios

WSBC's Return On Assets of 0.76% is in line compared to the rest of the industry. WSBC outperforms 43.47% of its industry peers.
WSBC has a Return On Equity of 5.07%. This is in the lower half of the industry: WSBC underperforms 75.88% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 5.07%
ROIC N/A
ROA(3y)0.89%
ROA(5y)0.95%
ROE(3y)6.15%
ROE(5y)6.28%
ROIC(3y)N/A
ROIC(5y)N/A
WSBC Yearly ROA, ROE, ROICWSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

WSBC's Profit Margin of 23.32% is in line compared to the rest of the industry. WSBC outperforms 50.50% of its industry peers.
WSBC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for WSBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.32%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.96%
PM growth 5Y-5.38%
GM growth 3YN/A
GM growth 5YN/A
WSBC Yearly Profit, Operating, Gross MarginsWSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

WSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WSBC has more shares outstanding
The number of shares outstanding for WSBC has been reduced compared to 5 years ago.
Compared to 1 year ago, WSBC has a worse debt to assets ratio.
WSBC Yearly Shares OutstandingWSBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
WSBC Yearly Total Debt VS Total AssetsWSBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

WSBC has a debt to FCF ratio of 2.35. This is a good value and a sign of high solvency as WSBC would need 2.35 years to pay back of all of its debts.
WSBC has a Debt to FCF ratio (2.35) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.17 indicates that WSBC is not too dependend on debt financing.
WSBC has a Debt to Equity ratio (0.17) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACCN/A
WACC12.09%
WSBC Yearly LT Debt VS Equity VS FCFWSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WSBC Yearly Current Assets VS Current LiabilitesWSBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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6

3. Growth

3.1 Past

The earnings per share for WSBC have decreased by -0.41% in the last year.
The Earnings Per Share has been decreasing by -5.30% on average over the past years.
WSBC shows a small growth in Revenue. In the last year, the Revenue has grown by 0.73%.
WSBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.25% yearly.
EPS 1Y (TTM)-0.41%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%17.86%
Revenue 1Y (TTM)0.73%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%68.76%

3.2 Future

Based on estimates for the next years, WSBC will show a very strong growth in Earnings Per Share. The EPS will grow by 30.94% on average per year.
Based on estimates for the next years, WSBC will show a very strong growth in Revenue. The Revenue will grow by 39.47% on average per year.
EPS Next Y44.63%
EPS Next 2Y30.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year73.53%
Revenue Next 2Y39.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
WSBC Yearly Revenue VS EstimatesWSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
WSBC Yearly EPS VS EstimatesWSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

WSBC is valuated correctly with a Price/Earnings ratio of 12.41.
WSBC's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 28.88. WSBC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.55, which indicates a rather cheap valuation of WSBC.
Based on the Price/Forward Earnings ratio, WSBC is valued cheaply inside the industry as 84.42% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.20, WSBC is valued rather cheaply.
Industry RankSector Rank
PE 12.41
Fwd PE 7.55
WSBC Price Earnings VS Forward Price EarningsWSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

WSBC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.2
EV/EBITDA N/A
WSBC Per share dataWSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

WSBC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
WSBC's earnings are expected to grow with 30.94% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y30.94%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.95%, WSBC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.52, WSBC pays a better dividend. On top of this WSBC pays more dividend than 85.43% of the companies listed in the same industry.
WSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 4.95%

5.2 History

The dividend of WSBC is nicely growing with an annual growth rate of 7.36%!
WSBC has been paying a dividend for at least 10 years, so it has a reliable track record.
WSBC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.36%
Div Incr Years13
Div Non Decr Years13
WSBC Yearly Dividends per shareWSBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

WSBC pays out 68.99% of its income as dividend. This is not a sustainable payout ratio.
WSBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP68.99%
EPS Next 2Y30.94%
EPS Next 3YN/A
WSBC Yearly Income VS Free CF VS DividendWSBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
WSBC Dividend Payout.WSBC Dividend Payout, showing the Payout Ratio.WSBC Dividend Payout.PayoutRetained Earnings

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WESBANCO INC

NASDAQ:WSBC (5/1/2025, 10:31:33 AM)

29.79

+0.01 (+0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners72.98%
Inst Owner Change0.69%
Ins Owners2.8%
Ins Owner Change1.72%
Market Cap2.85B
Analysts78.46
Price Target40.29 (35.25%)
Short Float %1.89%
Short Ratio2.3
Dividend
Industry RankSector Rank
Dividend Yield 4.95%
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP68.99%
Div Incr Years13
Div Non Decr Years13
Ex-Date03-10 2025-03-10 (0.37)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.25%
Min EPS beat(2)2.94%
Max EPS beat(2)27.55%
EPS beat(4)3
Avg EPS beat(4)5.11%
Min EPS beat(4)-10.09%
Max EPS beat(4)27.55%
EPS beat(8)4
Avg EPS beat(8)1.24%
EPS beat(12)6
Avg EPS beat(12)2.38%
EPS beat(16)9
Avg EPS beat(16)6.7%
Revenue beat(2)1
Avg Revenue beat(2)-4.07%
Min Revenue beat(2)-8.79%
Max Revenue beat(2)0.65%
Revenue beat(4)1
Avg Revenue beat(4)-4.98%
Min Revenue beat(4)-8.79%
Max Revenue beat(4)0.65%
Revenue beat(8)2
Avg Revenue beat(8)-1.82%
Revenue beat(12)6
Avg Revenue beat(12)6.34%
Revenue beat(16)10
Avg Revenue beat(16)10.81%
PT rev (1m)-3.32%
PT rev (3m)-0.18%
EPS NQ rev (1m)1.64%
EPS NQ rev (3m)1.72%
EPS NY rev (1m)-0.87%
EPS NY rev (3m)4.58%
Revenue NQ rev (1m)1.92%
Revenue NQ rev (3m)-7.73%
Revenue NY rev (1m)1.45%
Revenue NY rev (3m)3.54%
Valuation
Industry RankSector Rank
PE 12.41
Fwd PE 7.55
P/S 4.7
P/FCF 14.2
P/OCF 13.51
P/B 1.02
P/tB 1.71
EV/EBITDA N/A
EPS(TTM)2.4
EY8.06%
EPS(NY)3.94
Fwd EY13.24%
FCF(TTM)2.1
FCFY7.04%
OCF(TTM)2.21
OCFY7.4%
SpS6.34
BVpS29.17
TBVpS17.42
PEG (NY)0.28
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 5.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.32%
GM N/A
FCFM 33.1%
ROA(3y)0.89%
ROA(5y)0.95%
ROE(3y)6.15%
ROE(5y)6.28%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.96%
PM growth 5Y-5.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.35
Debt/EBITDA N/A
Cap/Depr 67.56%
Cap/Sales 1.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 141.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.09%
ROIC/WACCN/A
Cap/Depr(3y)95%
Cap/Depr(5y)80.47%
Cap/Sales(3y)2.27%
Cap/Sales(5y)1.9%
Profit Quality(3y)116.09%
Profit Quality(5y)106.61%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.41%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%17.86%
EPS Next Y44.63%
EPS Next 2Y30.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.73%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%68.76%
Revenue Next Year73.53%
Revenue Next 2Y39.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y36.68%
FCF growth 3Y-15.09%
FCF growth 5Y5.82%
OCF growth 1Y24.61%
OCF growth 3Y-14.39%
OCF growth 5Y5.25%