32.27 USD
-0.16 (-0.49%)
32.27 USD
0 (0%)
Taking everything into account, WSBC scores 5 out of 10 in our fundamental rating. WSBC was compared to 387 industry peers in the Banks industry. WSBC has a bad profitability rating. Also its financial health evaluation is rather negative. WSBC is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! WSBC also has an excellent dividend rating.
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.
In the past 5 years WSBC always reported a positive cash flow from operatings.
1.2 Ratios
WSBC has a worse Return On Assets (0.62%) than 70.54% of its industry peers.
Looking at the Return On Equity, with a value of 4.17%, WSBC is doing worse than 81.40% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 19.52%, WSBC is doing worse than 66.93% of the companies in the same industry.
In the last couple of years the Profit Margin of WSBC has declined.
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.
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.
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.
WSBC has a Debt to FCF ratio (1.92) which is in line with its industry peers.
WSBC has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
WSBC's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. WSBC outperforms 63.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WSBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.47%, which is quite impressive.
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.
WSBC shows a strong growth in Revenue. In the last year, the Revenue has grown by 48.59%.
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 31.44% on average per year.
EPS Next Y50.11%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
EPS Next 5YN/A
Revenue Next Year71.19%
Revenue Next 2Y43.66%
Revenue Next 3Y31.44%
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.
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
The Price/Earnings ratio is 10.02, which indicates a very decent valuation of WSBC.
Based on the Price/Earnings ratio, WSBC is valued a bit cheaper than 74.68% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, WSBC is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.39, the valuation of WSBC can be described as very reasonable.
WSBC's Price/Forward Earnings ratio is rather cheap when compared to the industry. WSBC is cheaper than 80.62% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.56. WSBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.02 | ||
| Fwd PE | 8.39 |
4.2 Price Multiples
WSBC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.64 | ||
| 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.
WSBC's earnings are expected to grow with 21.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y29.35%
EPS Next 3Y21.91%
5. Dividend
5.1 Amount
WSBC has a Yearly Dividend Yield of 6.66%, which is a nice return.
WSBC's Dividend Yield is rather good when compared to the industry average which is at 3.15. WSBC pays more dividend than 96.38% of the companies in the same industry.
WSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
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 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%
32.27
-0.16 (-0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.99%
Inst Owner Change0.97%
Ins Owners2.33%
Ins Owner Change2.13%
Market Cap3.10B
Revenue(TTM)878.38M
Net Income(TTM)171.50M
Analysts78.33
Price Target37.74 (16.95%)
Short Float %2.04%
Short Ratio3.09
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)0%
EPS NQ rev (3m)-3.3%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)-0.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.5%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)-0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.02 | ||
| Fwd PE | 8.39 | ||
| P/S | 3.53 | ||
| P/FCF | 12.64 | ||
| P/OCF | 11.79 | ||
| P/B | 0.75 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.22
EY9.98%
EPS(NY)3.85
Fwd EY11.93%
FCF(TTM)2.55
FCFY7.91%
OCF(TTM)2.74
OCFY8.48%
SpS9.15
BVpS42.86
TBVpS24.78
PEG (NY)0.2
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
WACC11.75%
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 Y50.11%
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 Year71.19%
Revenue Next 2Y43.66%
Revenue Next 3Y31.44%
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 50.11% in the next year.