25.61 USD
+0.01 (+0.04%)
We assign a fundamental rating of 5 out of 10 to WSBCO. WSBCO was compared to 383 industry peers in the Banks industry. WSBCO has a bad profitability rating. Also its financial health evaluation is rather negative. WSBCO is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
In the past year WSBCO was profitable.
WSBCO had a positive operating cash flow in the past year.
WSBCO had positive earnings in each of the past 5 years.
WSBCO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of WSBCO (0.62%) is worse than 70.28% of its industry peers.
The Return On Equity of WSBCO (4.17%) is worse than 80.62% 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
Looking at the Profit Margin, with a value of 19.52%, WSBCO is doing worse than 67.44% of the companies in the same industry.
In the last couple of years the Profit Margin of WSBCO has declined.
WSBCO 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) | 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
WSBCO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for WSBCO has been increased compared to 1 year ago.
The number of shares outstanding for WSBCO has been reduced compared to 5 years ago.
WSBCO has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of WSBCO is 1.92, which is an excellent value as it means it would take WSBCO, only 1.92 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.92, WSBCO perfoms like the industry average, outperforming 49.10% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that WSBCO is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.11, WSBCO is in the better half of the industry, outperforming 64.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.52%
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.
The Earnings Per Share has been decreasing by -5.30% on average over the past years.
WSBCO shows a strong growth in Revenue. In the last year, the Revenue has grown by 48.59%.
WSBCO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.25% yearly.
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%66.18%
3.2 Future
WSBCO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.33% yearly.
The Revenue is expected to grow by 27.49% on average over the next years. This is a very strong growth
EPS Next Y49.49%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
EPS Next 5YN/A
Revenue Next Year70.71%
Revenue Next 2Y39.2%
Revenue Next 3Y27.49%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.95 indicates a rather cheap valuation of WSBCO.
WSBCO's Price/Earnings ratio is rather cheap when compared to the industry. WSBCO is cheaper than 94.06% of the companies in the same industry.
When comparing the Price/Earnings ratio of WSBCO to the average of the S&P500 Index (27.19), we can say WSBCO is valued rather cheaply.
WSBCO is valuated cheaply with a Price/Forward Earnings ratio of 6.64.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WSBCO indicates a rather cheap valuation: WSBCO is cheaper than 94.32% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of WSBCO to the average of the S&P500 Index (23.92), we can say WSBCO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.95 | ||
| Fwd PE | 6.64 |
4.2 Price Multiples
WSBCO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. WSBCO is cheaper than 65.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.03 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WSBCO's 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 22.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y29.54%
EPS Next 3Y22.33%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.45%, WSBCO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.90, WSBCO pays a better dividend. On top of this WSBCO pays more dividend than 81.91% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, WSBCO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
5.2 History
The dividend of WSBCO is nicely growing with an annual growth rate of 7.36%!
WSBCO is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)7.36%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
WSBCO pays out 75.15% of its income as dividend. This is not a sustainable payout ratio.
WSBCO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP75.15%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
WESBANCO INC - WSBC 7 3/8 PERP
NASDAQ:WSBCO (1/9/2026, 8:00:02 PM)
25.61
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.64%
Inst Owner ChangeN/A
Ins Owners2.33%
Ins Owner ChangeN/A
Market Cap2.46B
Revenue(TTM)878.38M
Net Income(TTM)171.50M
Analysts78.46
Price Target28.55 (11.48%)
Short Float %0.08%
Short Ratio0.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP75.15%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)3
Avg Revenue beat(4)12.72%
Min Revenue beat(4)-1.1%
Max Revenue beat(4)28.4%
Revenue beat(8)7
Avg Revenue beat(8)16.72%
Revenue beat(12)11
Avg Revenue beat(12)17.19%
Revenue beat(16)15
Avg Revenue beat(16)18.77%
PT rev (1m)-1.92%
PT rev (3m)N/A
EPS NQ rev (1m)-1.84%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.21%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.95 | ||
| Fwd PE | 6.64 | ||
| P/S | 2.8 | ||
| P/FCF | 10.03 | ||
| P/OCF | 9.36 | ||
| P/B | 0.6 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.22
EY12.57%
EPS(NY)3.86
Fwd EY15.07%
FCF(TTM)2.55
FCFY9.97%
OCF(TTM)2.74
OCFY10.69%
SpS9.15
BVpS42.86
TBVpS24.78
PEG (NY)0.16
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
WACC12.52%
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 Y49.49%
EPS Next 2Y29.54%
EPS Next 3Y22.33%
EPS Next 5YN/A
Revenue 1Y (TTM)48.59%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%66.18%
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 7 3/8 PERP / WSBCO 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.
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 7.95 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.