WESBANCO INC (WSBC) Stock Fundamental Analysis
USA - NASDAQ:WSBC - US9508101014 - Common Stock
33.44 USD
+0.11 (+0.33%)
WSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. Both the profitability and financial health of WSBC have multiple concerns. WSBC is not priced too expensively while it is growing strongly. Keep and eye on this one! 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.
Each year in the past 5 years WSBC had a positive operating cash flow.
1.2 Ratios
WSBC has a worse Return On Assets (0.45%) than 77.04% of its industry peers.
WSBC's Return On Equity of 3.28% is on the low side compared to the rest of the industry. WSBC is outperformed by 82.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 3.28% | ||
| 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
WSBC has a Profit Margin of 16.31%. This is in the lower half of the industry: WSBC underperforms 72.45% of its industry peers.
WSBC's Profit Margin has declined in the last couple of years.
WSBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.31% | ||
| 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.
The number of shares outstanding for WSBC has been increased compared to 1 year ago.
The number of shares outstanding for WSBC has been reduced compared to 5 years ago.
Compared to 1 year ago, WSBC has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of WSBC is 2.46, which is a good value as it means it would take WSBC, 2.46 years of fcf income to pay off all of its debts.
WSBC's Debt to FCF ratio of 2.46 is in line compared to the rest of the industry. WSBC outperforms 43.62% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that WSBC is not too dependend on debt financing.
WSBC has a better Debt to Equity ratio (0.12) than 63.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.84%
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 28.77% over the past year.
The Earnings Per Share has been decreasing by -5.30% on average over the past years.
WSBC shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.32%.
Measured over the past years, WSBC shows a small growth in Revenue. The Revenue has been growing by 3.25% on average per year.
EPS 1Y (TTM)28.77%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%85.71%
Revenue 1Y (TTM)30.32%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%85.05%
3.2 Future
Based on estimates for the next years, WSBC will show a very strong growth in Earnings Per Share. The EPS will grow by 30.52% on average per year.
The Revenue is expected to grow by 36.65% on average over the next years. This is a very strong growth
EPS Next Y51.15%
EPS Next 2Y30.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year71.48%
Revenue Next 2Y43.45%
Revenue Next 3Y36.65%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.86, the valuation of WSBC can be described as very reasonable.
WSBC's Price/Earnings ratio is in line with the industry average.
WSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.76.
A Price/Forward Earnings ratio of 8.53 indicates a reasonable valuation of WSBC.
Based on the Price/Forward Earnings ratio, WSBC is valued a bit cheaper than the industry average as 75.26% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of WSBC to the average of the S&P500 Index (23.21), we can say WSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 8.53 |
4.2 Price Multiples
65.05% of the companies in the same industry are cheaper than WSBC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.14 | ||
| 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 30.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y30.52%
EPS Next 3YN/A
5. Dividend
5.1 Amount
WSBC has a Yearly Dividend Yield of 4.59%, which is a nice return.
WSBC's Dividend Yield is rather good when compared to the industry average which is at 3.59. WSBC pays more dividend than 80.36% of the companies in the same industry.
WSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.59% |
5.2 History
The dividend of WSBC is nicely growing with an annual growth rate of 7.36%!
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
91.76% 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.
DP91.76%
EPS Next 2Y30.52%
EPS Next 3YN/A
NASDAQ:WSBC (10/8/2025, 11:20:08 AM)
33.44
+0.11 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.99%
Inst Owner Change-0.01%
Ins Owners2.33%
Ins Owner Change14.87%
Market Cap3.21B
Analysts78.46
Price Target38.18 (14.17%)
Short Float %1.44%
Short Ratio2.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.59% |
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP91.76%
Div Incr Years14
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.92%
Min EPS beat(2)3.57%
Max EPS beat(2)14.27%
EPS beat(4)4
Avg EPS beat(4)12.08%
Min EPS beat(4)2.94%
Max EPS beat(4)27.55%
EPS beat(8)5
Avg EPS beat(8)4.05%
EPS beat(12)7
Avg EPS beat(12)3.37%
EPS beat(16)9
Avg EPS beat(16)2.49%
Revenue beat(2)0
Avg Revenue beat(2)-2.88%
Min Revenue beat(2)-4.65%
Max Revenue beat(2)-1.1%
Revenue beat(4)1
Avg Revenue beat(4)-3.47%
Min Revenue beat(4)-8.79%
Max Revenue beat(4)0.65%
Revenue beat(8)1
Avg Revenue beat(8)-3.82%
Revenue beat(12)4
Avg Revenue beat(12)1.96%
Revenue beat(16)8
Avg Revenue beat(16)7.45%
PT rev (1m)0%
PT rev (3m)-0.38%
EPS NQ rev (1m)-0.68%
EPS NQ rev (3m)-2.55%
EPS NY rev (1m)0%
EPS NY rev (3m)1.04%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)2.23%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 8.53 | ||
| P/S | 4.18 | ||
| P/FCF | 17.14 | ||
| P/OCF | 15.52 | ||
| P/B | 0.84 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.82
EY8.43%
EPS(NY)3.92
Fwd EY11.72%
FCF(TTM)1.95
FCFY5.83%
OCF(TTM)2.15
OCFY6.44%
SpS8
BVpS39.79
TBVpS21.61
PEG (NY)0.23
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 3.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.31% | ||
| GM | N/A | ||
| FCFM | 24.4% |
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
ROICexcg growth 3YN/A
ROICexcg 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 | 0.12 | ||
| Debt/FCF | 2.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 127.72% | ||
| Cap/Sales | 2.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 149.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC11.84%
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)28.77%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%85.71%
EPS Next Y51.15%
EPS Next 2Y30.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.32%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%85.05%
Revenue Next Year71.48%
Revenue Next 2Y43.45%
Revenue Next 3Y36.65%
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 1Y21.53%
FCF growth 3Y-15.09%
FCF growth 5Y5.82%
OCF growth 1Y17.36%
OCF growth 3Y-14.39%
OCF growth 5Y5.25%