WESBANCO INC (WSBC) Fundamental Analysis & Valuation

NASDAQ:WSBC • US9508101014

Current stock price

36.2 USD
+0.14 (+0.39%)
At close:
36.0942 USD
-0.11 (-0.29%)
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.
  • WSBC had positive earnings in each of the past 5 years.
  • 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

  • WSBC has a worse Return On Assets (0.73%) than 72.15% of its industry peers.
  • Looking at the Return On Equity, with a value of 5.02%, WSBC is doing worse than 83.02% of the companies in the same industry.
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 has a Profit Margin of 20.65%. This is in the lower half of the industry: WSBC underperforms 70.03% of its industry peers.
  • 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) 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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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
  • Compared to 1 year ago, WSBC has an improved debt to assets ratio.
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.
  • Looking at the Debt to FCF ratio, with a value of 1.50, WSBC is in line with its industry, outperforming 57.03% of the companies in the same industry.
  • WSBC has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.10, WSBC is in the better half of the industry, outperforming 66.31% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC13.57%
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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8

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.
  • Measured over the past years, WSBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.01% on average per year.
  • Looking at the last year, WSBC shows a very strong growth in Revenue. 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 12.01% on average per year.
  • WSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.70% yearly.
EPS Next Y13.38%
EPS Next 2Y12.01%
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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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.
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

  • The Price/Earnings ratio is 10.81, which indicates a very decent valuation of WSBC.
  • Compared to the rest of the industry, the Price/Earnings ratio of WSBC indicates a somewhat cheap valuation: WSBC is cheaper than 75.86% of the companies listed in the same industry.
  • WSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.18.
  • WSBC is valuated reasonably with a Price/Forward Earnings ratio of 9.53.
  • WSBC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. WSBC is cheaper than 76.66% of the companies in the same industry.
  • WSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.81
Fwd PE 9.53
WSBC Price Earnings VS Forward Price EarningsWSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as WSBC.
Industry RankSector Rank
P/FCF 12.43
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.
  • A more expensive valuation may be justified as WSBC's earnings are expected to grow with 12.01% in the coming years.
PEG (NY)0.81
PEG (5Y)0.9
EPS Next 2Y12.01%
EPS Next 3YN/A

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8

5. WSBC Dividend Analysis

5.1 Amount

  • WSBC has a Yearly Dividend Yield of 4.14%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.53, WSBC pays a better dividend. On top of this WSBC pays more dividend than 89.66% of the companies listed 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 4.14%

5.2 History

  • The dividend of WSBC has a limited annual growth rate of 5.74%.
  • 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)5.74%
Div Incr Years15
Div Non Decr Years15
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

  • 69.25% 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.
DP69.25%
EPS Next 2Y12.01%
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 (4/13/2026, 8:01:32 PM)

After market: 36.0942 -0.11 (-0.29%)

36.2

+0.14 (+0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners74.02%
Inst Owner Change-0.01%
Ins Owners1.79%
Ins Owner Change0.03%
Market Cap3.48B
Revenue(TTM)981.05M
Net Income(TTM)202.57M
Analysts78.57
Price Target41.31 (14.12%)
Short Float %2.59%
Short Ratio4.44
Dividend
Industry RankSector Rank
Dividend Yield 4.14%
Yearly Dividend1.72
Dividend Growth(5Y)5.74%
DP69.25%
Div Incr Years15
Div Non Decr Years15
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)1.98%
PT rev (3m)6.58%
EPS NQ rev (1m)-0.29%
EPS NQ rev (3m)-1.87%
EPS NY rev (1m)0.13%
EPS NY rev (3m)-1.58%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)6.03%
Revenue NY rev (1m)3.49%
Revenue NY rev (3m)6.41%
Valuation
Industry RankSector Rank
PE 10.81
Fwd PE 9.53
P/S 3.55
P/FCF 12.43
P/OCF 11.98
P/B 0.86
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)3.35
EY9.25%
EPS(NY)3.8
Fwd EY10.49%
FCF(TTM)2.91
FCFY8.05%
OCF(TTM)3.02
OCFY8.35%
SpS10.21
BVpS41.95
TBVpS24.02
PEG (NY)0.81
PEG (5Y)0.9
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
WACC13.57%
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 Y13.38%
EPS Next 2Y12.01%
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%.