WESBANCO INC (WSBC) Stock Fundamental Analysis
USA - NASDAQ:WSBC - US9508101014 - Common Stock
30.71 USD
+0.35 (+1.15%)
30.71 USD
0 (0%)
WSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. Both the profitability and financial health of WSBC have multiple concerns. WSBC is growing strongly while it is still valued neutral. This is a good combination! Finally WSBC also has an excellent dividend rating.
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.
Each year in the past 5 years WSBC had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.45%, WSBC is doing worse than 77.24% of the companies in the same industry.
WSBC's Return On Equity of 3.28% is on the low side compared to the rest of the industry. WSBC is outperformed by 82.10% 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
WSBC has a worse Profit Margin (16.31%) than 72.38% of its industry peers.
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
The Debt to FCF ratio of WSBC is 2.46, which is a good value as it means it would take WSBC, 2.46 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.46, WSBC is in line with its industry, outperforming 43.48% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that WSBC is not too dependend on debt financing.
WSBC has a better Debt to Equity ratio (0.12) than 63.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12%
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.
The Earnings Per Share has been decreasing by -5.30% on average over the past years.
WSBC shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.32%.
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 30.52% on average per year.
WSBC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 36.65% yearly.
EPS Next Y51.15%
EPS Next 2Y30.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year71.48%
Revenue Next 2Y43.45%
Revenue Next 3Y36.65%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.89, the valuation of WSBC can be described as very reasonable.
Based on the Price/Earnings ratio, WSBC is valued a bit cheaper than 62.92% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.42, WSBC is valued rather cheaply.
A Price/Forward Earnings ratio of 7.84 indicates a rather cheap valuation of WSBC.
Based on the Price/Forward Earnings ratio, WSBC is valued a bit cheaper than the industry average as 79.54% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of WSBC to the average of the S&P500 Index (22.94), we can say WSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 7.84 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, WSBC is valued a bit more expensive than 64.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.74 | ||
| 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.
WSBC's earnings are expected to grow with 30.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y30.52%
EPS Next 3YN/A
5. Dividend
5.1 Amount
WSBC has a Yearly Dividend Yield of 6.67%, which is a nice return.
WSBC's Dividend Yield is rather good when compared to the industry average which is at 3.61. WSBC pays more dividend than 93.09% of the companies in the same industry.
WSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.67% |
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 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
5.3 Sustainability
WSBC pays out 91.76% 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.
DP91.76%
EPS Next 2Y30.52%
EPS Next 3YN/A
30.71
+0.35 (+1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.99%
Inst Owner Change0.01%
Ins Owners2.33%
Ins Owner Change12.71%
Market Cap2.95B
Analysts78.46
Price Target38.18 (24.32%)
Short Float %1.44%
Short Ratio2.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.67% |
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP91.76%
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%
PT rev (3m)-0.38%
EPS NQ rev (1m)-0.68%
EPS NQ rev (3m)-2.55%
EPS NY rev (1m)0%
EPS NY rev (3m)1.14%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)2.15%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 7.84 | ||
| P/S | 3.84 | ||
| P/FCF | 15.74 | ||
| P/OCF | 14.25 | ||
| P/B | 0.77 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.82
EY9.18%
EPS(NY)3.92
Fwd EY12.76%
FCF(TTM)1.95
FCFY6.35%
OCF(TTM)2.15
OCFY7.02%
SpS8
BVpS39.79
TBVpS21.61
PEG (NY)0.21
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 | 24.4% |
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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 127.72% | ||
| Cap/Sales | 2.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 149.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC12%
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 Y51.15%
EPS Next 2Y30.52%
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 Year71.48%
Revenue Next 2Y43.45%
Revenue Next 3Y36.65%
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 1Y21.53%
FCF growth 3Y-15.09%
FCF growth 5Y5.82%
OCF growth 1Y17.36%
OCF growth 3Y-14.39%
OCF growth 5Y5.25%