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WESBANCO INC (WSBC) Stock Fundamental Analysis

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

29.85  +0.26 (+0.88%)

Premarket: 29.71 -0.14 (-0.47%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to WSBC. WSBC was compared to 398 industry peers in the Banks industry. WSBC has a bad profitability rating. Also its financial health evaluation is rather negative. WSBC has a correct valuation and a medium growth rate. Finally WSBC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
In the past 5 years WSBC has always been profitable.
Each year in the past 5 years WSBC had a positive operating cash flow.
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's Return On Assets of 0.76% is in line compared to the rest of the industry. WSBC outperforms 43.72% of its industry peers.
The Return On Equity of WSBC (5.07%) is worse than 76.13% 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 50.50% of the companies in the same industry.
In the last couple of years the Profit Margin of WSBC has declined.
WSBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

2

2. Health

2.1 Basic Checks

WSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for WSBC has been increased compared to 1 year ago.
Compared to 5 years ago, WSBC has less shares outstanding
The debt/assets ratio for WSBC is higher compared to a year ago.
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.
WSBC's Debt to FCF ratio of 2.35 is in line compared to the rest of the industry. WSBC outperforms 47.24% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that WSBC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.17, WSBC perfoms like the industry average, outperforming 54.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACCN/A
WACC12.19%
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

6

3. Growth

3.1 Past

The earnings per share for WSBC have decreased strongly by -10.16% 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 been growing slightly by 0.72% in the past year.
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)-10.16%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%29.09%
Revenue 1Y (TTM)0.72%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%7.31%

3.2 Future

WSBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 30.94% yearly.
Based on estimates for the next years, WSBC will show a very strong growth in Revenue. The Revenue will grow by 39.69% on average per year.
EPS Next Y44.63%
EPS Next 2Y30.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year74.68%
Revenue Next 2Y39.69%
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.
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

6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.98, which indicates a correct valuation of WSBC.
WSBC's Price/Earnings is on the same level as the industry average.
WSBC is valuated cheaply when we compare the Price/Earnings ratio to 28.92, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.97 indicates a reasonable valuation of WSBC.
64.82% 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 21.65, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.98
Fwd PE 8.97
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

WSBC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 14.23
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 30.94% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y30.94%
EPS Next 3YN/A

8

5. Dividend

5.1 Amount

WSBC has a Yearly Dividend Yield of 5.23%, which is a nice return.
Compared to an average industry Dividend Yield of 3.63, WSBC pays a better dividend. On top of this WSBC pays more dividend than 87.44% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, WSBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.23%

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 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 Years13
Div Non Decr Years13
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 2Y30.94%
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

WESBANCO INC

NASDAQ:WSBC (4/24/2025, 8:00:02 PM)

Premarket: 29.71 -0.14 (-0.47%)

29.85

+0.26 (+0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2025-01-22/amc
Earnings (Next)04-29 2025-04-29/amc
Inst Owners72.98%
Inst Owner Change0.45%
Ins Owners2.8%
Ins Owner Change1.72%
Market Cap2.86B
Analysts78.46
Price Target41.67 (39.6%)
Short Float %3.78%
Short Ratio5.81
Dividend
Industry RankSector Rank
Dividend Yield 5.23%
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP68.99%
Div Incr Years13
Div Non Decr Years13
Ex-Date03-10 2025-03-10 (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%
PT rev (3m)3.25%
EPS NQ rev (1m)-0.91%
EPS NQ rev (3m)1.72%
EPS NY rev (1m)-1.09%
EPS NY rev (3m)4.58%
Revenue NQ rev (1m)0.35%
Revenue NQ rev (3m)-7.73%
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)3.41%
Valuation
Industry RankSector Rank
PE 12.98
Fwd PE 8.97
P/S 4.71
P/FCF 14.23
P/OCF 13.53
P/B 1.02
P/tB 1.71
EV/EBITDA N/A
EPS(TTM)2.3
EY7.71%
EPS(NY)3.33
Fwd EY11.14%
FCF(TTM)2.1
FCFY7.03%
OCF(TTM)2.21
OCFY7.39%
SpS6.34
BVpS29.17
TBVpS17.42
PEG (NY)0.29
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
WACC12.19%
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)-10.16%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%29.09%
EPS Next Y44.63%
EPS Next 2Y30.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.72%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%7.31%
Revenue Next Year74.68%
Revenue Next 2Y39.69%
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%