WESBANCO INC - WSBC 7 3/8 PERP (WSBCO) Fundamental Analysis & Valuation

NASDAQ:WSBCO • US9508108878

Current stock price

25.25 USD
-0.17 (-0.68%)
Last:

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

2

1. WSBCO Profitability Analysis

1.1 Basic Checks

  • WSBCO had positive earnings in the past year.
  • WSBCO had a positive operating cash flow in the past year.
  • WSBCO had positive earnings in each of the past 5 years.
  • Each year in the past 5 years WSBCO had a positive operating cash flow.
WSBCO Yearly Net Income VS EBIT VS OCF VS FCFWSBCO 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

  • With a Return On Assets value of 0.73%, WSBCO is not doing good in the industry: 69.03% of the companies in the same industry are doing better.
  • WSBCO has a worse Return On Equity (5.02%) than 80.31% of its industry peers.
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
WSBCO Yearly ROA, ROE, ROICWSBCO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • The Profit Margin of WSBCO (20.65%) is worse than 68.50% of its industry peers.
  • WSBCO's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for WSBCO 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
WSBCO Yearly Profit, Operating, Gross MarginsWSBCO 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. WSBCO Health Analysis

2.1 Basic Checks

  • WSBCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, WSBCO has more shares outstanding
  • WSBCO has more shares outstanding than it did 5 years ago.
  • WSBCO has a better debt/assets ratio than last year.
WSBCO Yearly Shares OutstandingWSBCO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
WSBCO Yearly Total Debt VS Total AssetsWSBCO 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

  • WSBCO 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.
  • With a Debt to FCF ratio value of 1.50, WSBCO perfoms like the industry average, outperforming 58.27% of the companies in the same industry.
  • A Debt/Equity ratio of 0.10 indicates that WSBCO is not too dependend on debt financing.
  • WSBCO has a Debt to Equity ratio of 0.10. This is in the better half of the industry: WSBCO outperforms 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC12.65%
WSBCO Yearly LT Debt VS Equity VS FCFWSBCO 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
WSBCO Yearly Current Assets VS Current LiabilitesWSBCO 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

8

3. WSBCO Growth Analysis

3.1 Past

  • WSBCO 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, WSBCO 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, WSBCO shows a very strong growth in Revenue. The Revenue has grown by 61.84%.
  • WSBCO 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%37.26%

3.2 Future

  • Based on estimates for the next years, WSBCO will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.92% on average per year.
  • WSBCO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.70% yearly.
EPS Next Y13.23%
EPS Next 2Y11.92%
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.
WSBCO Yearly Revenue VS EstimatesWSBCO 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
WSBCO Yearly EPS VS EstimatesWSBCO 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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7

4. WSBCO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.54, which indicates a rather cheap valuation of WSBCO.
  • WSBCO's Price/Earnings ratio is rather cheap when compared to the industry. WSBCO is cheaper than 92.65% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. WSBCO is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 6.66, the valuation of WSBCO can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, WSBCO is valued cheaply inside the industry as 93.70% of the companies are valued more expensively.
  • WSBCO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.42.
Industry RankSector Rank
PE 7.54
Fwd PE 6.66
WSBCO Price Earnings VS Forward Price EarningsWSBCO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, WSBCO is valued a bit cheaper than the industry average as 75.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.67
EV/EBITDA N/A
WSBCO Per share dataWSBCO 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)0.57
PEG (5Y)0.63
EPS Next 2Y11.92%
EPS Next 3YN/A

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

5

5. WSBCO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.49%, WSBCO is a good candidate for dividend investing.
  • WSBCO's Dividend Yield is rather good when compared to the industry average which is at 2.78. WSBCO pays more dividend than 87.66% of the companies in the same industry.
  • WSBCO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.49%

5.2 History

  • The dividend of WSBCO has a limited annual growth rate of 5.74%.
  • WSBCO is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)5.74%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • WSBCO pays out 69.25% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of WSBCO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP69.25%
EPS Next 2Y11.92%
EPS Next 3YN/A
WSBCO Yearly Income VS Free CF VS DividendWSBCO 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
WSBCO Dividend Payout.WSBCO Dividend Payout, showing the Payout Ratio.WSBCO Dividend Payout.PayoutRetained Earnings

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WSBCO Fundamentals: All Metrics, Ratios and Statistics

WESBANCO INC - WSBC 7 3/8 PERP

NASDAQ:WSBCO (3/20/2026, 8:00:03 PM)

25.25

-0.17 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners73.94%
Inst Owner ChangeN/A
Ins Owners2.28%
Ins Owner ChangeN/A
Market Cap2.43B
Revenue(TTM)981.05M
Net Income(TTM)202.57M
Analysts78.57
Price Target29.58 (17.15%)
Short Float %0.01%
Short Ratio0.42
Dividend
Industry RankSector Rank
Dividend Yield 4.49%
Yearly Dividend1.72
Dividend Growth(5Y)5.74%
DP69.25%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)2
Avg Revenue beat(4)5.31%
Min Revenue beat(4)-1.23%
Max Revenue beat(4)15.33%
Revenue beat(8)6
Avg Revenue beat(8)13.55%
Revenue beat(12)10
Avg Revenue beat(12)15.51%
Revenue beat(16)14
Avg Revenue beat(16)17.3%
PT rev (1m)2.87%
PT rev (3m)3.6%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)-1.58%
EPS NY rev (1m)0.24%
EPS NY rev (3m)-1.72%
Revenue NQ rev (1m)2.87%
Revenue NQ rev (3m)6.21%
Revenue NY rev (1m)3.44%
Revenue NY rev (3m)6.41%
Valuation
Industry RankSector Rank
PE 7.54
Fwd PE 6.66
P/S 2.47
P/FCF 8.67
P/OCF 8.36
P/B 0.6
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)3.35
EY13.27%
EPS(NY)3.79
Fwd EY15.02%
FCF(TTM)2.91
FCFY11.54%
OCF(TTM)3.02
OCFY11.97%
SpS10.21
BVpS41.95
TBVpS24.02
PEG (NY)0.57
PEG (5Y)0.63
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
WACC12.65%
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 Y13.23%
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%37.26%
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 7 3/8 PERP / WSBCO Fundamental Analysis FAQ

What is the fundamental rating for WSBCO stock?

ChartMill assigns a fundamental rating of 4 / 10 to WSBCO.


What is the valuation status for WSBCO stock?

ChartMill assigns a valuation rating of 7 / 10 to WESBANCO INC - WSBC 7 3/8 PERP (WSBCO). This can be considered as Undervalued.


What is the profitability of WSBCO stock?

WESBANCO INC - WSBC 7 3/8 PERP (WSBCO) has a profitability rating of 2 / 10.


What is the valuation of WESBANCO INC - WSBC 7 3/8 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for WESBANCO INC - WSBC 7 3/8 PERP (WSBCO) is 7.54 and the Price/Book (PB) ratio is 0.6.


How financially healthy is WESBANCO INC - WSBC 7 3/8 PERP?

The financial health rating of WESBANCO INC - WSBC 7 3/8 PERP (WSBCO) is 3 / 10.