WESBANCO INC (WSBC) Stock Fundamental Analysis
NASDAQ:WSBC - Nasdaq - US9508101014 - Common Stock - Currency: USD
Taking everything into account, WSBC scores 4 out of 10 in our fundamental rating. WSBC was compared to 393 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! Finally WSBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year WSBC was profitable.
In the past 5 years WSBC has always been profitable.
Each year in the past 5 years WSBC had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.45%, WSBC is not doing good in the industry: 76.34% of the companies in the same industry are doing better.
WSBC's Return On Equity of 3.28% is on the low side compared to the rest of the industry. WSBC is outperformed by 81.93% 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
With a Profit Margin value of 16.31%, WSBC is not doing good in the industry: 71.50% of the companies in the same industry are doing better.
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
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.
WSBC has less shares outstanding than it did 5 years ago.
WSBC has a worse debt/assets ratio than last year.
2.2 Solvency
WSBC has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
WSBC's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. WSBC outperforms 64.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.14%
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 28.77%, which is quite impressive.
WSBC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.30% yearly.
The Revenue has grown by 30.32% 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)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 30.86% on average per year.
WSBC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 38.80% yearly.
EPS Next Y49.45%
EPS Next 2Y30.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year71.35%
Revenue Next 2Y38.8%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.04, the valuation of WSBC can be described as very reasonable.
Based on the Price/Earnings ratio, WSBC is valued a bit cheaper than the industry average as 65.65% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.85. WSBC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.90, the valuation of WSBC can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WSBC indicates a rather cheap valuation: WSBC is cheaper than 83.46% 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 34.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.04 | ||
| Fwd PE | 7.9 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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 30.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y30.86%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.96%, WSBC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.41, WSBC pays a better dividend. On top of this WSBC pays more dividend than 83.72% 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 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.96% |
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
40.04% of the earnings are spent on dividend by WSBC. This is a bit on the high side, but may be sustainable.
The dividend of WSBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.04%
EPS Next 2Y30.86%
EPS Next 3YN/A
31.12
-0.12 (-0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.93%
Inst Owner Change3.43%
Ins Owners2.32%
Ins Owner Change7.83%
Market Cap2.99B
Analysts78.46
Price Target38.18 (22.69%)
Short Float %1.45%
Short Ratio2.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.96% |
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP40.04%
Div Incr Years14
Div Non Decr Years14
Ex-Date
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)-0.38%
PT rev (3m)-0.52%
EPS NQ rev (1m)-1.89%
EPS NQ rev (3m)-2.05%
EPS NY rev (1m)0%
EPS NY rev (3m)3.33%
Revenue NQ rev (1m)-0.79%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.04 | ||
| Fwd PE | 7.9 | ||
| P/S | 3.89 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.78 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.82
EY9.06%
EPS(NY)3.94
Fwd EY12.66%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS8
BVpS39.79
TBVpS21.61
PEG (NY)0.22
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 | 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
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-ScoreN/A
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-ScoreN/A
WACC12.14%
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 Y49.45%
EPS Next 2Y30.86%
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 Year71.35%
Revenue Next 2Y38.8%
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%