34.67 USD
-1.5 (-4.15%)
34.67 USD
0 (0%)
Taking everything into account, WSBC scores 5 out of 10 in our fundamental rating. WSBC was compared to 383 industry peers in the Banks industry. WSBC may be in some trouble as it scores bad on both profitability and health. WSBC is not priced too expensively while it is growing strongly. 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.
- WSBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- WSBC's Return On Assets of 0.62% is on the low side compared to the rest of the industry. WSBC is outperformed by 70.76% of its industry peers.
- WSBC has a worse Return On Equity (4.17%) than 80.94% 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
- With a Profit Margin value of 19.52%, WSBC is not doing good in the industry: 67.89% of the companies in the same industry are doing better.
- 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.
- WSBC has a worse debt/assets ratio than last year.
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.
- A Debt/Equity ratio of 0.11 indicates that WSBC is not too dependend on debt financing.
- WSBC has a Debt to Equity ratio of 0.11. This is in the better half of the industry: WSBC outperforms 63.97% 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.
- 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 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
- Based on estimates for the next years, WSBC will show a very strong growth in Earnings Per Share. The EPS will grow by 22.33% on average per year.
- WSBC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.62% yearly.
EPS Next Y49.53%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
EPS Next 5YN/A
Revenue Next Year70.74%
Revenue Next 2Y39.29%
Revenue Next 3Y27.62%
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
- WSBC is valuated reasonably with a Price/Earnings ratio of 10.77.
- Based on the Price/Earnings ratio, WSBC is valued a bit cheaper than the industry average as 72.32% of the companies are valued more expensively.
- WSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
- With a Price/Forward Earnings ratio of 8.98, the valuation of WSBC can be described as very reasonable.
- 77.28% of the companies in the same industry are more expensive than WSBC, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of WSBC to the average of the S&P500 Index (25.98), we can say WSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.77 | ||
| Fwd PE | 8.98 |
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 | 13.58 | ||
| 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 22.33% in the coming years.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y29.54%
EPS Next 3Y22.33%
5. Dividend
5.1 Amount
- WSBC has a Yearly Dividend Yield of 4.49%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.61, WSBC pays a better dividend. On top of this WSBC pays more dividend than 88.77% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.81, WSBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.49% |
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.
- The dividend of WSBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP75.15%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
WESBANCO INC / WSBC FAQ
What is the fundamental rating for WSBC stock?
ChartMill assigns a fundamental rating of 5 / 10 to WSBC.
Can you provide the valuation status for WESBANCO INC?
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.
What are the PE and PB ratios of WESBANCO INC (WSBC) stock?
The Price/Earnings (PE) ratio for WESBANCO INC (WSBC) is 10.77 and the Price/Book (PB) ratio is 0.81.
Can you provide the dividend sustainability for WSBC stock?
The dividend rating of WESBANCO INC (WSBC) is 8 / 10 and the dividend payout ratio is 75.15%.