WESBANCO INC (WSBC) Fundamental Analysis & Valuation

NASDAQ:WSBC • US9508101014

33.68 USD
-0.96 (-2.77%)
At close: Mar 6, 2026
33.68 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

WSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. WSBC has a bad profitability rating. Also its financial health evaluation is rather negative. WSBC is not priced too expensively while it is growing strongly. Keep and eye on this one! Finally WSBC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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.
  • Of the past 5 years WSBC 4 years 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

  • The Return On Assets of WSBC (0.62%) is worse than 74.02% of its industry peers.
  • The Return On Equity of WSBC (4.17%) is worse than 83.99% of its industry peers.
Industry RankSector Rank
ROA 0.62%
ROE 4.17%
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

  • With a Profit Margin value of 19.52%, WSBC is not doing good in the industry: 70.60% of the companies in the same industry are doing better.
  • WSBC's Profit Margin has been stable in the last couple of years.
  • 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) 19.52%
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.
  • The number of shares outstanding for WSBC has been increased compared to 1 year ago.
  • Compared to 5 years ago, WSBC has more shares outstanding
  • The debt/assets ratio for WSBC has been reduced compared to a year ago.
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

  • 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 50.39% 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.
  • WSBC's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. WSBC outperforms 63.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.92
Altman-Z N/A
ROIC/WACCN/A
WACC11.66%
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

7

3. WSBC Growth Analysis

3.1 Past

  • WSBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.65%, which is quite impressive.
  • WSBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.01% yearly.
  • Looking at the last year, WSBC shows a very strong growth in Revenue. The Revenue has grown by 61.84%.
  • WSBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.05% yearly.
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.
  • Based on estimates for the next years, WSBC will show a quite strong growth in Revenue. The Revenue will grow by 11.68% on average per year.
EPS Next Y13.23%
EPS Next 2Y11.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.69%
Revenue Next 2Y11.68%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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

  • A Price/Earnings ratio of 10.05 indicates a reasonable valuation of WSBC.
  • WSBC's Price/Earnings ratio is a bit cheaper when compared to the industry. WSBC is cheaper than 75.85% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of WSBC to the average of the S&P500 Index (26.29), we can say WSBC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.88, which indicates a very decent 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 76.38% 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 (24.60), we can say WSBC is valued rather cheaply.
Industry RankSector Rank
PE 10.05
Fwd PE 8.88
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of WSBC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.19
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)0.76
PEG (5Y)0.84
EPS Next 2Y11.92%
EPS Next 3YN/A

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

8

5. WSBC Dividend Analysis

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 2.86. WSBC pays more dividend than 86.09% of the companies in the same industry.
  • WSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector 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 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 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

  • 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 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 (3/6/2026, 8:00:02 PM)

After market: 33.68 0 (0%)

33.68

-0.96 (-2.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners73.94%
Inst Owner Change0.44%
Ins Owners2.28%
Ins Owner Change3.08%
Market Cap3.24B
Revenue(TTM)981.06M
Net Income(TTM)171.50M
Analysts78.57
Price Target40.51 (20.28%)
Short Float %2.21%
Short Ratio4.05
Dividend
Industry RankSector Rank
Dividend Yield 4.49%
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP75.15%
Div Incr Years14
Div Non Decr Years14
Ex-Date03-06
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)0.54%
PT rev (3m)7.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.92%
EPS NY rev (1m)0.24%
EPS NY rev (3m)-1.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.01%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)2.83%
Valuation
Industry RankSector Rank
PE 10.05
Fwd PE 8.88
P/S 3.68
P/FCF 13.19
P/OCF 12.31
P/B 0.79
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)3.35
EY9.95%
EPS(NY)3.79
Fwd EY11.26%
FCF(TTM)2.55
FCFY7.58%
OCF(TTM)2.74
OCFY8.13%
SpS9.14
BVpS42.85
TBVpS24.78
PEG (NY)0.76
PEG (5Y)0.84
Graham Number56.83
Profitability
Industry RankSector 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)0.78%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.92
Debt/EBITDA N/A
Cap/Depr N/A
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-Score6
WACC11.66%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 Year16.69%
Revenue Next 2Y11.68%
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 1Y34.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y37.74%
OCF growth 3YN/A
OCF growth 5YN/A

WESBANCO INC / WSBC 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.


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 10.05 and the Price/Book (PB) ratio is 0.79.


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%.