WESBANCO INC(NASDAQ:WSBC) stock Fundamental Analysis

Fundamental Rating

Overall WSBC gets a fundamental rating of 4 out of 10. We evaluated WSBC against 395 industry peers in the Banks industry. WSBC may be in some trouble as it scores bad on both profitability and health. WSBC has a correct valuation and a medium growth rate. WSBC also has an excellent dividend rating.

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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.

Each year in the past 5 years WSBC has been profitable.

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

1.2 Ratios

The Return On Assets of WSBC (0.76%) is comparable to the rest of the industry.

With a Return On Equity value of 5.07%, WSBC is not doing good in the industry: 77.22% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.76%
ROE	5.07%
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 (23.32%) which is comparable to the rest of the industry.

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)	23.32%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 2.35, which is a good value as it means it would take WSBC, 2.35 years of fcf income to pay off all of its debts.

WSBC has a Debt to FCF ratio (2.35) which is in line with its industry peers.

A Debt/Equity ratio of 0.17 indicates that WSBC is not too dependend on debt financing.

WSBC has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	2.35
Altman-Z	N/A

ROIC/WACCN/A

WACC12.14%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

WSBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.41%.

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

WSBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.15%.

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)-0.41%

EPS 3Y-13.31%

EPS 5Y-5.3%

EPS Q2Q%17.86%

Revenue 1Y (TTM)10.15%

Revenue growth 3Y0.87%

Revenue growth 5Y3.25%

Sales Q2Q%38.67%

3.2 Future

The Earnings Per Share is expected to grow by 31.34% on average over the next years. This is a very strong growth

WSBC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 39.02% yearly.

EPS Next Y49.2%

EPS Next 2Y31.34%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year71.34%

Revenue Next 2Y39.02%

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.

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4. Valuation

4.1 Price/Earnings Ratio

WSBC is valuated correctly with a Price/Earnings ratio of 12.87.

WSBC's Price/Earnings is on the same level as the industry average.

WSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.17.

WSBC is valuated cheaply with a Price/Forward Earnings ratio of 7.79.

80.00% of the companies in the same industry are more expensive than WSBC, based on the Price/Forward Earnings ratio.

WSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.87
Fwd PE	7.79

4.2 Price Multiples

60.51% of the companies in the same industry are cheaper than WSBC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	14.73
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 31.34% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.26

PEG (5Y)N/A

EPS Next 2Y31.34%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

WSBC has a Yearly Dividend Yield of 4.79%, which is a nice return.

Compared to an average industry Dividend Yield of 3.45, WSBC pays a better dividend. On top of this WSBC pays more dividend than 85.32% 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 2.40.

		Industry Rank	Sector Rank
Dividend Yield	4.79%

5.2 History

The dividend of WSBC is nicely growing with an annual growth rate of 7.36%!

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

WSBC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)7.36%

Div Incr Years13

Div Non Decr Years13

5.3 Sustainability

68.99% of the earnings are spent on dividend by WSBC. This is not a sustainable payout ratio.

The dividend of WSBC is growing, but earnings are growing more, so the dividend growth is sustainable.

DP68.99%

EPS Next 2Y31.34%

EPS Next 3YN/A

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WESBANCO INC

NASDAQ:WSBC (5/28/2025, 8:08:37 PM)

After market: 30.89 0 (0%)

30.89

-0.55 (-1.75%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-29 2025-04-29/amc

Earnings (Next)07-23 2025-07-23/amc

Inst Owners72.98%

Inst Owner Change36.85%

Ins Owners2.8%

Ins Owner Change8.05%

Market Cap2.96B

Analysts78.57

Price Target38.38 (24.25%)

Short Float %2.65%

Short Ratio3.54

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.79%

Yearly Dividend1.54

Dividend Growth(5Y)7.36%

DP68.99%

Div Incr Years13

Div Non Decr Years13

Ex-Date06-06 2025-06-06 (0.37)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)15.25%

Min EPS beat(2)2.94%

Max EPS beat(2)27.55%

EPS beat(4)3

Avg EPS beat(4)5.11%

Min EPS beat(4)-10.09%

Max EPS beat(4)27.55%

EPS beat(8)4

Avg EPS beat(8)1.24%

EPS beat(12)6

Avg EPS beat(12)2.38%

EPS beat(16)9

Avg EPS beat(16)6.7%

Revenue beat(2)1

Avg Revenue beat(2)-4.07%

Min Revenue beat(2)-8.79%

Max Revenue beat(2)0.65%

Revenue beat(4)1

Avg Revenue beat(4)-4.98%

Min Revenue beat(4)-8.79%

Max Revenue beat(4)0.65%

Revenue beat(8)2

Avg Revenue beat(8)-1.82%

Revenue beat(12)6

Avg Revenue beat(12)6.34%

Revenue beat(16)10

Avg Revenue beat(16)10.81%

PT rev (1m)-7.91%

PT rev (3m)-7.91%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.91%

EPS NY rev (1m)3.16%

EPS NY rev (3m)2.04%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.35%

Revenue NY rev (1m)-1.26%

Revenue NY rev (3m)0.17%

Valuation

		Industry Rank	Sector Rank
PE	12.87
Fwd PE	7.79
P/S	4.88
P/FCF	14.73
P/OCF	14.01
P/B	1.06
P/tB	1.77
EV/EBITDA	N/A

EPS(TTM)2.4

EY7.77%

EPS(NY)3.97

Fwd EY12.84%

FCF(TTM)2.1

FCFY6.79%

OCF(TTM)2.21

OCFY7.14%

SpS6.34

BVpS29.17

TBVpS17.42

PEG (NY)0.26

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.76%
ROE	5.07%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.32%
GM	N/A
FCFM	33.1%

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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	2.35
Debt/EBITDA	N/A
Cap/Depr	67.56%
Cap/Sales	1.7%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	141.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

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)-0.41%

EPS 3Y-13.31%

EPS 5Y-5.3%

EPS Q2Q%17.86%

EPS Next Y49.2%

EPS Next 2Y31.34%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)10.15%

Revenue growth 3Y0.87%

Revenue growth 5Y3.25%

Sales Q2Q%38.67%

Revenue Next Year71.34%

Revenue Next 2Y39.02%

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%

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