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

NASDAQ:WSBCO • US9508108878

Current stock price

25.69 USD
+0.02 (+0.06%)
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.
  • In the past 5 years WSBCO always reported a positive cash flow from operatings.
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

  • WSBCO has a worse Return On Assets (0.73%) than 71.62% of its industry peers.
  • WSBCO has a worse Return On Equity (5.02%) than 83.02% 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

  • WSBCO has a Profit Margin of 20.65%. This is in the lower half of the industry: WSBCO underperforms 69.76% of its industry peers.
  • In the last couple of years the Profit Margin of WSBCO has remained more or less at the same level.
  • WSBCO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Looking at the Debt to FCF ratio, with a value of 1.50, WSBCO is in line with its industry, outperforming 57.03% of the companies in the same industry.
  • WSBCO has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • WSBCO's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. WSBCO outperforms 66.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.5
Altman-Z N/A
ROIC/WACCN/A
WACC14.89%
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 50.00%, which is quite impressive.
  • The Earnings Per Share has been growing by 12.01% on average over the past years. This is quite good.
  • Looking at the last year, WSBCO shows a very strong growth in Revenue. The Revenue has grown by 61.84%.
  • Measured over the past years, WSBCO shows a quite strong growth in Revenue. The Revenue has been growing by 10.05% on average per year.
EPS 1Y (TTM)50%
EPS 3Y3.06%
EPS 5Y12.01%
EPS Q2Q%37.88%
Revenue 1Y (TTM)61.84%
Revenue growth 3Y18.36%
Revenue growth 5Y10.05%
Sales Q2Q%33.15%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.01% on average over the next years. This is quite good.
  • Based on estimates for the next years, WSBCO will show a quite strong growth in Revenue. The Revenue will grow by 13.70% on average per year.
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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8

4. WSBCO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.14 indicates a rather cheap valuation of WSBCO.
  • Based on the Price/Earnings ratio, WSBCO is valued cheaply inside the industry as 94.96% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of WSBCO to the average of the S&P500 Index (27.42), we can say WSBCO is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.11, the valuation of WSBCO can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, WSBCO is valued cheaper than 94.96% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. WSBCO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.14
Fwd PE 6.11
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of WSBCO indicates a rather cheap valuation: WSBCO is cheaper than 80.37% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.82
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.
  • WSBCO's earnings are expected to grow with 12.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)0.59
EPS Next 2Y12.01%
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 4.22%, WSBCO is a good candidate for dividend investing.
  • WSBCO's Dividend Yield is rather good when compared to the industry average which is at 2.57. WSBCO pays more dividend than 90.98% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, WSBCO pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.22%

5.2 History

  • The dividend of WSBCO has a limited annual growth rate of 5.74%.
  • WSBCO does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)5.74%
Div Incr Years0
Div Non Decr Years0

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 2Y12.01%
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 (4/24/2026, 8:14:36 PM)

25.69

+0.02 (+0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21
Earnings (Next)07-27
Inst Owners74.02%
Inst Owner ChangeN/A
Ins Owners1.79%
Ins Owner ChangeN/A
Market Cap2.47B
Revenue(TTM)981.05M
Net Income(TTM)202.57M
Analysts78.57
Price Target29.08 (13.2%)
Short Float %0.05%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield 4.22%
Yearly Dividend1.72
Dividend Growth(5Y)5.74%
DP69.25%
Div Incr Years0
Div Non Decr Years0
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)-1.7%
PT rev (3m)-0.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.87%
EPS NY rev (1m)0.13%
EPS NY rev (3m)-1.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.27%
Valuation
Industry RankSector Rank
PE 7.14
Fwd PE 6.11
P/S 2.52
P/FCF 8.82
P/OCF 8.5
P/B 0.61
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)3.6
EY14.01%
EPS(NY)4.2
Fwd EY16.36%
FCF(TTM)2.91
FCFY11.34%
OCF(TTM)3.02
OCFY11.76%
SpS10.21
BVpS41.95
TBVpS24.02
PEG (NY)0.53
PEG (5Y)0.59
Graham Number58.2926 (126.91%)
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
WACC14.89%
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)50%
EPS 3Y3.06%
EPS 5Y12.01%
EPS Q2Q%37.88%
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%33.15%
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 5 / 10 to WSBCO.


What is the valuation status for WSBCO stock?

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


How profitable is WESBANCO INC - WSBC 7 3/8 PERP (WSBCO) stock?

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


What are the PE and PB ratios of WESBANCO INC - WSBC 7 3/8 PERP (WSBCO) stock?

The Price/Earnings (PE) ratio for WESBANCO INC - WSBC 7 3/8 PERP (WSBCO) is 7.14 and the Price/Book (PB) ratio is 0.61.


Can you provide the dividend sustainability for WSBCO stock?

The dividend rating of WESBANCO INC - WSBC 7 3/8 PERP (WSBCO) is 5 / 10 and the dividend payout ratio is 69.25%.