35.17 USD
+1.25 (+3.69%)
Taking everything into account, WSBC scores 5 out of 10 in our fundamental rating. WSBC was compared to 383 industry peers in the Banks industry. WSBC may be in some trouble as it scores bad on both profitability and health. WSBC is growing strongly while it is still valued neutral. This is a good combination! 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.
- In the past 5 years WSBC always reported a positive cash flow from operatings.
1.2 Ratios
- WSBC has a Return On Assets of 0.62%. This is in the lower half of the industry: WSBC underperforms 70.76% of its industry peers.
- With a Return On Equity value of 4.17%, WSBC is not doing good in the industry: 80.94% of the companies in the same industry are doing better.
| 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
- The Profit Margin of WSBC (19.52%) is worse than 67.89% of its industry peers.
- 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.
- The number of shares outstanding for WSBC has been reduced compared to 5 years ago.
- The debt/assets ratio for WSBC is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of WSBC is 1.92, which is an excellent value as it means it would take WSBC, only 1.92 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 1.92, WSBC perfoms like the industry average, outperforming 48.83% of the companies in the same industry.
- WSBC has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.11, WSBC is in the better half of the industry, outperforming 63.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.73%
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.
- 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.
- 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
- WSBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.33% yearly.
- WSBC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.62% yearly.
EPS Next Y49.53%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
EPS Next 5YN/A
Revenue Next Year70.74%
Revenue Next 2Y39.29%
Revenue Next 3Y27.62%
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.
4. Valuation
4.1 Price/Earnings Ratio
- WSBC is valuated reasonably with a Price/Earnings ratio of 10.92.
- Based on the Price/Earnings ratio, WSBC is valued a bit cheaper than 75.72% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 26.94, WSBC is valued rather cheaply.
- WSBC is valuated reasonably with a Price/Forward Earnings ratio of 9.11.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of WSBC indicates a somewhat cheap valuation: WSBC is cheaper than 79.90% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.94, WSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.92 | ||
| Fwd PE | 9.11 |
4.2 Price Multiples
- WSBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.77 | ||
| EV/EBITDA | N/A |
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.
- WSBC's earnings are expected to grow with 22.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y29.54%
EPS Next 3Y22.33%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.49%, WSBC is a good candidate for dividend investing.
- WSBC's Dividend Yield is rather good when compared to the industry average which is at 2.85. WSBC pays more dividend than 82.77% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, WSBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.49% |
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.
- WSBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP75.15%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
NASDAQ:WSBC (1/21/2026, 11:23:51 AM)
35.17
+1.25 (+3.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-27 2026-01-27/amc
Inst Owners73.64%
Inst Owner Change0.07%
Ins Owners2.33%
Ins Owner Change2.44%
Market Cap3.38B
Revenue(TTM)878.38M
Net Income(TTM)171.50M
Analysts78.46
Price Target38.76 (10.21%)
Short Float %1.79%
Short Ratio3.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.49% |
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)-1.92%
EPS NQ rev (3m)-7.65%
EPS NY rev (1m)-0.19%
EPS NY rev (3m)-1.08%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-3.84%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)-0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.92 | ||
| Fwd PE | 9.11 | ||
| P/S | 3.85 | ||
| P/FCF | 13.77 | ||
| P/OCF | 12.85 | ||
| P/B | 0.82 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.22
EY9.16%
EPS(NY)3.86
Fwd EY10.97%
FCF(TTM)2.55
FCFY7.26%
OCF(TTM)2.74
OCFY7.78%
SpS9.15
BVpS42.86
TBVpS24.78
PEG (NY)0.22
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
WACC11.73%
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 Y49.53%
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 Year70.74%
Revenue Next 2Y39.29%
Revenue Next 3Y27.62%
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 10.92 and the Price/Book (PB) ratio is 0.82.
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%.