35.13 USD
+0.83 (+2.42%)
Taking everything into account, WSBC scores 5 out of 10 in our fundamental rating. WSBC was compared to 387 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! WSBC also has an excellent dividend rating.
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.
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 70.54% of its industry peers.
The Return On Equity of WSBC (4.17%) is worse than 81.65% of its industry peers.
| 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 67.18% 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.
Compared to 1 year ago, WSBC has more shares outstanding
Compared to 5 years ago, WSBC has less shares outstanding
Compared to 1 year ago, WSBC has a worse debt to assets ratio.
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 48.32% 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 has a Debt to Equity ratio of 0.11. This is in the better half of the industry: WSBC outperforms 63.31% of its industry peers.
| 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
The Earnings Per Share is expected to grow by 21.91% on average over the next years. This is a very strong growth
WSBC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.49% yearly.
EPS Next Y49.81%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
EPS Next 5YN/A
Revenue Next Year70.71%
Revenue Next 2Y39.2%
Revenue Next 3Y27.49%
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 10.91.
74.42% of the companies in the same industry are more expensive than WSBC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of WSBC to the average of the S&P500 Index (26.59), we can say WSBC is valued rather cheaply.
WSBC is valuated reasonably with a Price/Forward Earnings ratio of 9.13.
79.84% of the companies in the same industry are more expensive than WSBC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of WSBC to the average of the S&P500 Index (23.80), we can say WSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 9.13 |
4.2 Price Multiples
WSBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.76 | ||
| 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 21.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y29.35%
EPS Next 3Y21.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.66%, WSBC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.11, WSBC pays a better dividend. On top of this WSBC pays more dividend than 97.42% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, WSBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
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
75.15% of the earnings are spent on dividend by WSBC. This is not a sustainable payout ratio.
The dividend of WSBC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP75.15%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
NASDAQ:WSBC (12/11/2025, 12:11:56 PM)
35.13
+0.83 (+2.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.63%
Inst Owner Change0.98%
Ins Owners2.33%
Ins Owner Change2.06%
Market Cap3.37B
Revenue(TTM)878.38M
Net Income(TTM)171.50M
Analysts78.33
Price Target37.74 (7.43%)
Short Float %2.09%
Short Ratio3.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP75.15%
Div Incr Years14
Div Non Decr Years14
Ex-Date
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%
PT rev (3m)-1.15%
EPS NQ rev (1m)-3.04%
EPS NQ rev (3m)-6.23%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)-0.89%
Revenue NQ rev (1m)-4.12%
Revenue NQ rev (3m)-3.64%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 9.13 | ||
| P/S | 3.84 | ||
| P/FCF | 13.76 | ||
| P/OCF | 12.83 | ||
| P/B | 0.82 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.22
EY9.17%
EPS(NY)3.85
Fwd EY10.95%
FCF(TTM)2.55
FCFY7.27%
OCF(TTM)2.74
OCFY7.79%
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 Y49.81%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
EPS Next 5YN/A
Revenue 1Y (TTM)48.59%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%123.01%
Revenue Next Year70.71%
Revenue Next 2Y39.2%
Revenue Next 3Y27.49%
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.
What is the valuation status of WESBANCO INC (WSBC) stock?
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.
How financially healthy is WESBANCO INC?
The financial health rating of WESBANCO INC (WSBC) is 3 / 10.
What is the earnings growth outlook for WESBANCO INC?
The Earnings per Share (EPS) of WESBANCO INC (WSBC) is expected to grow by 49.81% in the next year.