WESBANCO INC (WSBC) Fundamental Analysis & Valuation

NASDAQ:WSBC • US9508101014

Current stock price

34.7 USD
+0.17 (+0.49%)
At close:
34.7 USD
0 (0%)
After Hours:

This WSBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. WSBC Profitability Analysis

1.1 Basic Checks

  • In the past year WSBC was profitable.
  • WSBC had a positive operating cash flow in the past year.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

1.2 Ratios

  • With a Return On Assets value of 0.73%, WSBC is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
  • WSBC's Return On Equity of 5.02% is on the low side compared to the rest of the industry. WSBC is outperformed by 80.53% of its industry peers.
Industry RankSector Rank
ROA 0.73%
ROE 5.02%
ROIC N/A
ROA(3y)0.78%
ROA(5y)0.95%
ROE(3y)5.32%
ROE(5y)6.42%
ROIC(3y)N/A
ROIC(5y)N/A
WSBC Yearly ROA, ROE, ROICWSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • WSBC's Profit Margin of 20.65% is on the low side compared to the rest of the industry. WSBC is outperformed by 69.47% of its industry peers.
  • In the last couple of years the Profit Margin of WSBC has remained more or less at the same level.
  • 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) 20.65%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.44%
PM growth 5Y1%
GM growth 3YN/A
GM growth 5YN/A
WSBC Yearly Profit, Operating, Gross MarginsWSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. WSBC Health Analysis

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 more shares outstanding than it did 5 years ago.
  • WSBC has a better debt/assets ratio than last year.
WSBC Yearly Shares OutstandingWSBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
WSBC Yearly Total Debt VS Total AssetsWSBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • WSBC has a debt to FCF ratio of 1.50. This is a very positive value and a sign of high solvency as it would only need 1.50 years to pay back of all of its debts.
  • The Debt to FCF ratio of WSBC (1.50) is comparable to the rest of the industry.
  • WSBC has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • WSBC's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. WSBC outperforms 66.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC13.7%
WSBC Yearly LT Debt VS Equity VS FCFWSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. WSBC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 45.65% over the past year.
  • The Earnings Per Share has been growing by 12.01% on average over the past years. This is quite good.
  • WSBC shows a strong growth in Revenue. In the last year, the Revenue has grown by 61.84%.
  • Measured over the past years, WSBC shows a quite strong growth in Revenue. The Revenue has been growing by 10.05% on average per year.
EPS 1Y (TTM)45.65%
EPS 3Y3.06%
EPS 5Y12.01%
EPS Q2Q%18.31%
Revenue 1Y (TTM)61.84%
Revenue growth 3Y18.36%
Revenue growth 5Y10.05%
Sales Q2Q%75.11%

3.2 Future

  • Based on estimates for the next years, WSBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.92% on average per year.
  • The Revenue is expected to grow by 13.70% on average over the next years. This is quite good.
EPS Next Y13.23%
EPS Next 2Y11.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.76%
Revenue Next 2Y13.7%
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 stable.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
WSBC Yearly EPS VS EstimatesWSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. WSBC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.36, the valuation of WSBC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of WSBC indicates a somewhat cheap valuation: WSBC is cheaper than 74.21% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.60. WSBC is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 9.15, which indicates a very decent valuation of WSBC.
  • WSBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. WSBC is cheaper than 75.79% of the companies in the same industry.
  • WSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.36
Fwd PE 9.15
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as WSBC.
Industry RankSector Rank
P/FCF 11.91
EV/EBITDA N/A
WSBC Per share dataWSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
PEG (NY)0.78
PEG (5Y)0.86
EPS Next 2Y11.92%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. WSBC Dividend Analysis

5.1 Amount

  • WSBC has a Yearly Dividend Yield of 4.49%, which is a nice return.
  • WSBC's Dividend Yield is rather good when compared to the industry average which is at 2.66. WSBC pays more dividend than 89.47% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.88, WSBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.49%

5.2 History

  • The dividend of WSBC has a limited annual growth rate of 5.74%.
  • 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)5.74%
Div Incr Years14
Div Non Decr Years14
WSBC Yearly Dividends per shareWSBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • WSBC pays out 69.25% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of WSBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP69.25%
EPS Next 2Y11.92%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
WSBC Dividend Payout.WSBC Dividend Payout, showing the Payout Ratio.WSBC Dividend Payout.PayoutRetained Earnings

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WSBC Fundamentals: All Metrics, Ratios and Statistics

WESBANCO INC

NASDAQ:WSBC (4/2/2026, 8:01:37 PM)

After market: 34.7 0 (0%)

34.7

+0.17 (+0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners73.94%
Inst Owner Change0.43%
Ins Owners2.28%
Ins Owner Change0.03%
Market Cap3.34B
Revenue(TTM)981.05M
Net Income(TTM)202.57M
Analysts78.57
Price Target41.31 (19.05%)
Short Float %2.59%
Short Ratio4.44
Dividend
Industry RankSector Rank
Dividend Yield 4.49%
Yearly Dividend1.72
Dividend Growth(5Y)5.74%
DP69.25%
Div Incr Years14
Div Non Decr Years14
Ex-Date03-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.73%
Min EPS beat(2)-3.11%
Max EPS beat(2)4.57%
EPS beat(4)3
Avg EPS beat(4)4.82%
Min EPS beat(4)-3.11%
Max EPS beat(4)14.27%
EPS beat(8)6
Avg EPS beat(8)4.97%
EPS beat(12)7
Avg EPS beat(12)2.44%
EPS beat(16)9
Avg EPS beat(16)2.99%
Revenue beat(2)1
Avg Revenue beat(2)3.51%
Min Revenue beat(2)-1.23%
Max Revenue beat(2)8.25%
Revenue beat(4)1
Avg Revenue beat(4)0.32%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)8.25%
Revenue beat(8)2
Avg Revenue beat(8)-2.33%
Revenue beat(12)3
Avg Revenue beat(12)-1.11%
Revenue beat(16)7
Avg Revenue beat(16)4.84%
PT rev (1m)2.53%
PT rev (3m)6.58%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)-1.87%
EPS NY rev (1m)0.24%
EPS NY rev (3m)-1.72%
Revenue NQ rev (1m)2.69%
Revenue NQ rev (3m)6.03%
Revenue NY rev (1m)3.13%
Revenue NY rev (3m)6.41%
Valuation
Industry RankSector Rank
PE 10.36
Fwd PE 9.15
P/S 3.4
P/FCF 11.91
P/OCF 11.48
P/B 0.83
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)3.35
EY9.65%
EPS(NY)3.79
Fwd EY10.93%
FCF(TTM)2.91
FCFY8.4%
OCF(TTM)3.02
OCFY8.71%
SpS10.21
BVpS41.95
TBVpS24.02
PEG (NY)0.78
PEG (5Y)0.86
Graham Number56.23
Profitability
Industry RankSector Rank
ROA 0.73%
ROE 5.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.65%
GM N/A
FCFM 28.54%
ROA(3y)0.78%
ROA(5y)0.95%
ROE(3y)5.32%
ROE(5y)6.42%
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-12.44%
PM growth 5Y1%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.5
Debt/EBITDA N/A
Cap/Depr 51.65%
Cap/Sales 1.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 138.22%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.7%
ROIC/WACCN/A
Cap/Depr(3y)91.71%
Cap/Depr(5y)80.02%
Cap/Sales(3y)2.17%
Cap/Sales(5y)1.86%
Profit Quality(3y)126.25%
Profit Quality(5y)125.55%
High Growth Momentum
Growth
EPS 1Y (TTM)45.65%
EPS 3Y3.06%
EPS 5Y12.01%
EPS Q2Q%18.31%
EPS Next Y13.23%
EPS Next 2Y11.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)61.84%
Revenue growth 3Y18.36%
Revenue growth 5Y10.05%
Sales Q2Q%75.11%
Revenue Next Year20.76%
Revenue Next 2Y13.7%
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 1Y39.52%
FCF growth 3Y12.6%
FCF growth 5Y40.03%
OCF growth 1Y37.64%
OCF growth 3Y12.48%
OCF growth 5Y37.26%

WESBANCO INC / WSBC Fundamental Analysis FAQ

What is the fundamental rating for WSBC stock?

ChartMill assigns a fundamental rating of 4 / 10 to WSBC.


Can you provide the valuation status for WESBANCO INC?

ChartMill assigns a valuation rating of 5 / 10 to WESBANCO INC (WSBC). This can be considered as Fairly Valued.


How profitable is WESBANCO INC (WSBC) stock?

WESBANCO INC (WSBC) has a profitability rating of 2 / 10.


Can you provide the financial health for WSBC stock?

The financial health rating of WESBANCO INC (WSBC) is 3 / 10.


How sustainable is the dividend of WESBANCO INC (WSBC) stock?

The dividend rating of WESBANCO INC (WSBC) is 8 / 10 and the dividend payout ratio is 69.25%.