WSBC Fundamental Analysis - WESBANCO INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to WSBC. WSBC was compared to 392 industry peers in the Banks industry. WSBC has a bad profitability rating. Also its financial health evaluation is rather negative. WSBC has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! WSBC also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year WSBC was profitable.

In the past year WSBC had a positive cash flow from operations.

WSBC had positive earnings in each of the past 5 years.

WSBC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

WSBC has a worse Return On Assets (0.45%) than 76.53% of its industry peers.

The Return On Equity of WSBC (3.28%) is worse than 81.38% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.45%
ROE	3.28%
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

1.3 Margins

WSBC has a Profit Margin of 16.31%. This is in the lower half of the industry: WSBC underperforms 71.94% of its industry peers.

WSBC's Profit Margin has declined in the last couple of years.

WSBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	16.31%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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

WSBC has less shares outstanding than it did 5 years ago.

The debt/assets ratio for WSBC is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of WSBC is 2.46, which is a good value as it means it would take WSBC, 2.46 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 2.46, WSBC is in line with its industry, outperforming 44.13% of the companies in the same industry.

WSBC has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

WSBC has a better Debt to Equity ratio (0.12) than 63.78% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	2.46
Altman-Z	N/A

ROIC/WACCN/A

WACC12.15%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 28.77% over the past year.

WSBC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.30% yearly.

Looking at the last year, WSBC shows a very strong growth in Revenue. The Revenue has grown by 30.32%.

Measured over the past years, WSBC shows a small growth in Revenue. The Revenue has been growing by 3.25% on average per year.

EPS 1Y (TTM)28.77%

EPS 3Y-13.31%

EPS 5Y-5.3%

EPS Q2Q%85.71%

Revenue 1Y (TTM)30.32%

Revenue growth 3Y0.87%

Revenue growth 5Y3.25%

Sales Q2Q%85.05%

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 30.52% on average per year.

The Revenue is expected to grow by 41.30% on average over the next years. This is a very strong growth

EPS Next Y51.15%

EPS Next 2Y30.52%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year71.42%

Revenue Next 2Y41.3%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.96 indicates a reasonable valuation of WSBC.

WSBC's Price/Earnings ratio is a bit cheaper when compared to the industry. WSBC is cheaper than 68.88% of the companies in the same industry.

WSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.

A Price/Forward Earnings ratio of 7.89 indicates a rather cheap valuation of WSBC.

Based on the Price/Forward Earnings ratio, WSBC is valued cheaper than 85.20% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.71, WSBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.96
Fwd PE	7.89

4.2 Price Multiples

WSBC's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	15.84
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as WSBC's earnings are expected to grow with 30.52% in the coming years.

PEG (NY)0.21

PEG (5Y)N/A

EPS Next 2Y30.52%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.49%, WSBC is a good candidate for dividend investing.

WSBC's Dividend Yield is a higher than the industry average which is at 3.73.

WSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	4.49%

5.2 History

On average, the dividend of WSBC grows each year by 7.36%, which is quite nice.

WSBC has paid a dividend for at least 10 years, which is a reliable track record.

WSBC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)7.36%

Div Incr Years14

Div Non Decr Years14

5.3 Sustainability

91.76% of the earnings are spent on dividend by WSBC. This is not a sustainable payout ratio.

WSBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP91.76%

EPS Next 2Y30.52%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

WESBANCO INC

NASDAQ:WSBC (9/16/2025, 8:00:02 PM)

After market: 30.91 0 (0%)

30.91

-0.44 (-1.4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-29 2025-07-29/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners70.93%

Inst Owner Change3.43%

Ins Owners2.32%

Ins Owner Change7.81%

Market Cap2.97B

Analysts78.46

Price Target38.18 (23.52%)

Short Float %1.48%

Short Ratio2.67

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.49%

Yearly Dividend1.54

Dividend Growth(5Y)7.36%

DP91.76%

Div Incr Years14

Div Non Decr Years14

Ex-Date09-05 2025-09-05 (0.37)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)8.92%

Min EPS beat(2)3.57%

Max EPS beat(2)14.27%

EPS beat(4)4

Avg EPS beat(4)12.08%

Min EPS beat(4)2.94%

Max EPS beat(4)27.55%

EPS beat(8)5

Avg EPS beat(8)4.05%

EPS beat(12)7

Avg EPS beat(12)3.37%

EPS beat(16)9

Avg EPS beat(16)2.49%

Revenue beat(2)0

Avg Revenue beat(2)-2.88%

Min Revenue beat(2)-4.65%

Max Revenue beat(2)-1.1%

Revenue beat(4)1

Avg Revenue beat(4)-3.47%

Min Revenue beat(4)-8.79%

Max Revenue beat(4)0.65%

Revenue beat(8)1

Avg Revenue beat(8)-3.82%

Revenue beat(12)4

Avg Revenue beat(12)1.96%

Revenue beat(16)8

Avg Revenue beat(16)7.45%

PT rev (1m)0%

PT rev (3m)0.48%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-2.05%

EPS NY rev (1m)1.14%

EPS NY rev (3m)1.31%

Revenue NQ rev (1m)3.07%

Revenue NQ rev (3m)3.26%

Revenue NY rev (1m)0.04%

Revenue NY rev (3m)0.05%

Valuation

		Industry Rank	Sector Rank
PE	10.96
Fwd PE	7.89
P/S	3.87
P/FCF	15.84
P/OCF	14.35
P/B	0.78
P/tB	1.43
EV/EBITDA	N/A

EPS(TTM)2.82

EY9.12%

EPS(NY)3.92

Fwd EY12.68%

FCF(TTM)1.95

FCFY6.31%

OCF(TTM)2.15

OCFY6.97%

SpS8

BVpS39.79

TBVpS21.61

PEG (NY)0.21

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.45%
ROE	3.28%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	16.31%
GM	N/A
FCFM	24.4%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	2.46
Debt/EBITDA	N/A
Cap/Depr	127.72%
Cap/Sales	2.54%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	149.58%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC12.15%

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)28.77%

EPS 3Y-13.31%

EPS 5Y-5.3%

EPS Q2Q%85.71%

EPS Next Y51.15%

EPS Next 2Y30.52%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)30.32%

Revenue growth 3Y0.87%

Revenue growth 5Y3.25%

Sales Q2Q%85.05%

Revenue Next Year71.42%

Revenue Next 2Y41.3%

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 1Y21.53%

FCF growth 3Y-15.09%

FCF growth 5Y5.82%

OCF growth 1Y17.36%

OCF growth 3Y-14.39%

OCF growth 5Y5.25%

WESBANCO INC (WSBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens