33.34 USD
+0.1 (+0.3%)
33.34 USD
0 (0%)
WSBC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 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! Finally WSBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
WSBC had positive earnings in the past year.
WSBC had a positive operating cash flow in the past year.
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 has a Return On Assets of 0.62%. This is in the lower half of the industry: WSBC underperforms 70.36% of its industry peers.
Looking at the Return On Equity, with a value of 4.17%, WSBC is doing worse than 80.67% 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 67.53% of the companies in the same 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) | 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.
Compared to 5 years ago, WSBC has less shares outstanding
WSBC has a worse debt/assets ratio than last year.
2.2 Solvency
WSBC has a debt to FCF ratio of 1.92. This is a very positive value and a sign of high solvency as it would only need 1.92 years to pay back of 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's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. WSBC outperforms 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
WACC11.8%
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.
WSBC shows a strong growth in Revenue. In the last year, the Revenue has grown by 48.59%.
The Revenue has been growing slightly by 3.25% on average over the past years.
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
The Earnings Per Share is expected to grow by 22.33% 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 27.49% yearly.
EPS Next Y49.49%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
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.
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
WSBC is valuated reasonably with a Price/Earnings ratio of 10.35.
76.55% of the companies in the same industry are more expensive than WSBC, based on the Price/Earnings ratio.
WSBC is valuated cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.64, which indicates a very decent valuation of WSBC.
Based on the Price/Forward Earnings ratio, WSBC is valued cheaper than 80.93% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.23. WSBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 8.64 |
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 | 13.06 | ||
| 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 22.33% in the coming years.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y29.54%
EPS Next 3Y22.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.66%, WSBC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, WSBC pays a better dividend. On top of this WSBC pays more dividend than 96.65% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, WSBC pays a better dividend.
| 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
75.15% 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.
DP75.15%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
33.34
+0.1 (+0.3%)
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 Cap3.20B
Revenue(TTM)878.38M
Net Income(TTM)171.50M
Analysts78.33
Price Target38.76 (16.26%)
Short Float %1.93%
Short Ratio3.57
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-DateN/A
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)2.7%
PT rev (3m)1.53%
EPS NQ rev (1m)-4.82%
EPS NQ rev (3m)-7.96%
EPS NY rev (1m)-0.41%
EPS NY rev (3m)-1.1%
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 | 10.35 | ||
| Fwd PE | 8.64 | ||
| P/S | 3.65 | ||
| P/FCF | 13.06 | ||
| P/OCF | 12.18 | ||
| P/B | 0.78 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.22
EY9.66%
EPS(NY)3.86
Fwd EY11.58%
FCF(TTM)2.55
FCFY7.66%
OCF(TTM)2.74
OCFY8.21%
SpS9.15
BVpS42.86
TBVpS24.78
PEG (NY)0.21
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
WACC11.8%
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 Y49.49%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
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.
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 10.35 and the Price/Book (PB) ratio is 0.78.
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%.