34.8 USD
-0.47 (-1.33%)
34.8 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to WSBC. WSBC was compared to 388 industry peers in the Banks industry. WSBC may be in some trouble as it scores bad on both profitability and health. WSBC is growing strongly while it is still valued neutral. This is a good combination! WSBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
WSBC had positive earnings in the past year.
In the past year WSBC had a positive cash flow from operations.
WSBC had positive earnings in each of the past 5 years.
In the past 5 years WSBC always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.62%, WSBC is doing worse than 70.88% of the companies in the same industry.
WSBC has a worse Return On Equity (4.17%) than 81.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 4.17% | ||
| 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's Profit Margin of 19.52% is on the low side compared to the rest of the industry. WSBC is outperformed by 67.27% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.52% | ||
| 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
2. Health
2.1 Basic Checks
WSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
WSBC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for WSBC has been reduced compared to 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 1.92, which is an excellent value as it means it would take WSBC, only 1.92 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.92, WSBC perfoms like the industry average, outperforming 48.71% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that WSBC is not too dependend on debt financing.
The Debt to Equity ratio of WSBC (0.11) is better than 63.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 50.47% over the past year.
Measured over the past years, WSBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.30% on average per year.
The Revenue has grown by 48.59% in the past year. This is a very strong growth!
WSBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.25% yearly.
EPS 1Y (TTM)50.47%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%74.07%
Revenue 1Y (TTM)48.59%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%123.01%
3.2 Future
WSBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.91% yearly.
Based on estimates for the next years, WSBC will show a very strong growth in Revenue. The Revenue will grow by 27.49% on average per year.
EPS Next Y49.81%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
EPS Next 5YN/A
Revenue Next Year70.71%
Revenue Next 2Y39.2%
Revenue Next 3Y27.49%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.81, the valuation of WSBC can be described as reasonable.
Based on the Price/Earnings ratio, WSBC is valued a bit cheaper than 75.26% of the companies in the same industry.
When comparing the Price/Earnings ratio of WSBC to the average of the S&P500 Index (26.39), we can say WSBC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.04, the valuation of WSBC can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WSBC indicates a somewhat cheap valuation: WSBC is cheaper than 79.12% of the companies listed in the same industry.
WSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WSBC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.63 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as WSBC's earnings are expected to grow with 21.91% in the coming years.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y29.35%
EPS Next 3Y21.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.66%, WSBC is a good candidate for dividend investing.
WSBC's Dividend Yield is rather good when compared to the industry average which is at 2.74. WSBC pays more dividend than 93.81% of the companies in the same industry.
WSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
5.2 History
On average, the dividend of WSBC grows each year by 7.36%, which is quite nice.
WSBC has been paying a dividend for at least 10 years, so it has 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
WSBC pays out 75.15% 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.
DP75.15%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
34.8
-0.47 (-1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.63%
Inst Owner Change0.98%
Ins Owners2.33%
Ins Owner Change2.06%
Market Cap3.34B
Revenue(TTM)878.38M
Net Income(TTM)171.50M
Analysts78.33
Price Target37.74 (8.45%)
Short Float %1.87%
Short Ratio3.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP75.15%
Div Incr Years14
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.07%
Min EPS beat(2)3.57%
Max EPS beat(2)4.57%
EPS beat(4)4
Avg EPS beat(4)12.49%
Min EPS beat(4)3.57%
Max EPS beat(4)27.55%
EPS beat(8)6
Avg EPS beat(8)4.92%
EPS beat(12)7
Avg EPS beat(12)2.67%
EPS beat(16)10
Avg EPS beat(16)3.99%
Revenue beat(2)1
Avg Revenue beat(2)3.57%
Min Revenue beat(2)-1.1%
Max Revenue beat(2)8.25%
Revenue beat(4)2
Avg Revenue beat(4)0.79%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)8.25%
Revenue beat(8)2
Avg Revenue beat(8)-2.19%
Revenue beat(12)4
Avg Revenue beat(12)0.57%
Revenue beat(16)8
Avg Revenue beat(16)6.31%
PT rev (1m)0%
PT rev (3m)-1.15%
EPS NQ rev (1m)-3.04%
EPS NQ rev (3m)-6.23%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)-0.89%
Revenue NQ rev (1m)-4.12%
Revenue NQ rev (3m)-3.64%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.81 | ||
| Fwd PE | 9.04 | ||
| P/S | 3.81 | ||
| P/FCF | 13.63 | ||
| P/OCF | 12.71 | ||
| P/B | 0.81 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.22
EY9.25%
EPS(NY)3.85
Fwd EY11.06%
FCF(TTM)2.55
FCFY7.34%
OCF(TTM)2.74
OCFY7.87%
SpS9.15
BVpS42.86
TBVpS24.78
PEG (NY)0.22
PEG (5Y)N/A
Graham Number55.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 4.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.52% | ||
| GM | N/A | ||
| FCFM | 27.92% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 0.11 | ||
| Debt/FCF | 1.92 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 115.59% | ||
| Cap/Sales | 2.01% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 143.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC11.68%
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)50.47%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%74.07%
EPS Next Y49.81%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
EPS Next 5YN/A
Revenue 1Y (TTM)48.59%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%123.01%
Revenue Next Year70.71%
Revenue Next 2Y39.2%
Revenue Next 3Y27.49%
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 1Y129%
FCF growth 3Y-15.09%
FCF growth 5Y5.82%
OCF growth 1Y103.19%
OCF growth 3Y-14.39%
OCF growth 5Y5.25%
WESBANCO INC / WSBC FAQ
What is the fundamental rating for WSBC stock?
ChartMill assigns a fundamental rating of 5 / 10 to WSBC.
What is the valuation status of WESBANCO INC (WSBC) stock?
ChartMill assigns a valuation rating of 6 / 10 to WESBANCO INC (WSBC). This can be considered as Fairly Valued.
What is the profitability of WSBC stock?
WESBANCO INC (WSBC) has a profitability rating of 2 / 10.
How financially healthy is WESBANCO INC?
The financial health rating of WESBANCO INC (WSBC) is 3 / 10.
What is the earnings growth outlook for WESBANCO INC?
The Earnings per Share (EPS) of WESBANCO INC (WSBC) is expected to grow by 49.81% in the next year.