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WESBANCO INC (WSBC) Stock Fundamental Analysis

NASDAQ:WSBC - Nasdaq - US9508101014 - Common Stock - Currency: USD

33.28  +0.58 (+1.77%)

After market: 33.28 0 (0%)

Fundamental Rating

4

WSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals 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. Finally WSBC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
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.
WSBC Yearly Net Income VS EBIT VS OCF VS FCFWSBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

1.2 Ratios

WSBC has a Return On Assets of 0.76%. This is comparable to the rest of the industry: WSBC outperforms 41.27% of its industry peers.
The Return On Equity of WSBC (5.07%) is worse than 77.22% of its industry peers.
Industry RankSector 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
WSBC Yearly ROA, ROE, ROICWSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

With a Profit Margin value of 23.32%, WSBC perfoms like the industry average, outperforming 48.35% 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 RankSector 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
WSBC Yearly Profit, Operating, Gross MarginsWSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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.
WSBC Yearly Shares OutstandingWSBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
WSBC Yearly Total Debt VS Total AssetsWSBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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.
Looking at the Debt to FCF ratio, with a value of 2.35, WSBC is in line with its industry, outperforming 42.53% of the companies in the same industry.
WSBC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
WSBC has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: WSBC outperforms 50.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACCN/A
WACC12.66%
WSBC Yearly LT Debt VS Equity VS FCFWSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WSBC Yearly Current Assets VS Current LiabilitesWSBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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6

3. Growth

3.1 Past

The earnings per share for WSBC have decreased by -0.41% in the last year.
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.
The Revenue has grown by 10.15% in the past year. This is quite good.
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

WSBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 30.98% yearly.
Based on estimates for the next years, WSBC will show a very strong growth in Revenue. The Revenue will grow by 38.95% on average per year.
EPS Next Y49.6%
EPS Next 2Y30.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year71.63%
Revenue Next 2Y38.95%
Revenue Next 3YN/A
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.
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.
WSBC Yearly Revenue VS EstimatesWSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
WSBC Yearly EPS VS EstimatesWSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

WSBC is valuated correctly with a Price/Earnings ratio of 13.87.
WSBC's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of WSBC to the average of the S&P500 Index (27.28), we can say WSBC is valued slightly cheaper.
A Price/Forward Earnings ratio of 8.43 indicates a reasonable valuation of WSBC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WSBC indicates a somewhat cheap valuation: WSBC is cheaper than 79.75% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of WSBC to the average of the S&P500 Index (21.76), we can say WSBC is valued rather cheaply.
Industry RankSector Rank
PE 13.87
Fwd PE 8.43
WSBC Price Earnings VS Forward Price EarningsWSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WSBC is valued a bit more expensive than 61.27% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.87
EV/EBITDA N/A
WSBC Per share dataWSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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 30.98% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y30.98%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

WSBC has a Yearly Dividend Yield of 4.65%, which is a nice return.
WSBC's Dividend Yield is rather good when compared to the industry average which is at 3.47. WSBC pays more dividend than 83.80% of the companies in the same industry.
WSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 4.65%

5.2 History

On average, the dividend of WSBC grows each year by 7.36%, which is quite nice.
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 Years14
Div Non Decr Years14
WSBC Yearly Dividends per shareWSBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

WSBC pays out 68.99% 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.
DP68.99%
EPS Next 2Y30.98%
EPS Next 3YN/A
WSBC Yearly Income VS Free CF VS DividendWSBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
WSBC Dividend Payout.WSBC Dividend Payout, showing the Payout Ratio.WSBC Dividend Payout.PayoutRetained Earnings

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WESBANCO INC

NASDAQ:WSBC (7/2/2025, 8:05:33 PM)

After market: 33.28 0 (0%)

33.28

+0.58 (+1.77%)

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 Owners70.91%
Inst Owner Change36.81%
Ins Owners2.35%
Ins Owner Change8.05%
Market Cap3.18B
Analysts78.57
Price Target38.32 (15.14%)
Short Float %2.05%
Short Ratio3.54
Dividend
Industry RankSector Rank
Dividend Yield 4.65%
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP68.99%
Div Incr Years14
Div Non Decr Years14
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)-0.14%
PT rev (3m)-8.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.91%
EPS NY rev (1m)0.27%
EPS NY rev (3m)2.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)0.33%
Valuation
Industry RankSector Rank
PE 13.87
Fwd PE 8.43
P/S 5.25
P/FCF 15.87
P/OCF 15.09
P/B 1.14
P/tB 1.91
EV/EBITDA N/A
EPS(TTM)2.4
EY7.21%
EPS(NY)3.95
Fwd EY11.86%
FCF(TTM)2.1
FCFY6.3%
OCF(TTM)2.21
OCFY6.63%
SpS6.34
BVpS29.17
TBVpS17.42
PEG (NY)0.28
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC12.66%
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 Y49.6%
EPS Next 2Y30.98%
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 Year71.63%
Revenue Next 2Y38.95%
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%