25.77 USD
-0.01 (-0.04%)
Taking everything into account, WSBCO scores 5 out of 10 in our fundamental rating. WSBCO was compared to 387 industry peers in the Banks industry. WSBCO may be in some trouble as it scores bad on both profitability and health. WSBCO has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
WSBCO had positive earnings in the past year.
In the past year WSBCO had a positive cash flow from operations.
Each year in the past 5 years WSBCO has been profitable.
In the past 5 years WSBCO always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.62%, WSBCO is doing worse than 70.28% of the companies in the same industry.
Looking at the Return On Equity, with a value of 4.17%, WSBCO is doing worse than 81.14% of the companies in the same industry.
| 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
The Profit Margin of WSBCO (19.52%) is worse than 66.67% of its industry peers.
WSBCO's Profit Margin has declined in the last couple of years.
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.
WSBCO has more shares outstanding than it did 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.
Looking at the Debt to FCF ratio, with a value of 1.92, WSBCO is in line with its industry, outperforming 50.39% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that WSBCO is not too dependend on debt financing.
WSBCO has a Debt to Equity ratio of 0.11. This is in the better half of the industry: WSBCO outperforms 63.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WSBCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.47%, which is quite impressive.
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%.
The Revenue has been growing slightly by 3.25% on average over the past years.
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 21.91% yearly.
Based on estimates for the next years, WSBCO will show a very strong growth in Revenue. The Revenue will grow by 31.44% on average per year.
EPS Next Y50.11%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
EPS Next 5YN/A
Revenue Next Year71.19%
Revenue Next 2Y43.66%
Revenue Next 3Y31.44%
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
Based on the Price/Earnings ratio of 8.00, the valuation of WSBCO can be described as reasonable.
Based on the Price/Earnings ratio, WSBCO is valued cheaper than 93.54% of the companies in the same industry.
WSBCO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
A Price/Forward Earnings ratio of 6.70 indicates a rather cheap valuation of WSBCO.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WSBCO indicates a rather cheap valuation: WSBCO is cheaper than 93.54% 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 (36.12), we can say WSBCO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8 | ||
| Fwd PE | 6.7 |
4.2 Price Multiples
64.08% of the companies in the same industry are more expensive than WSBCO, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.09 | ||
| EV/EBITDA | N/A |
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 WSBCO's earnings are expected to grow with 21.91% in the coming years.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y29.35%
EPS Next 3Y21.91%
5. Dividend
5.1 Amount
WSBCO has a Yearly Dividend Yield of 6.66%, which is a nice return.
WSBCO's Dividend Yield is rather good when compared to the industry average which is at 3.33. WSBCO pays more dividend than 95.61% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, WSBCO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
5.2 History
On average, the dividend of WSBCO grows each year by 7.36%, which is quite nice.
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
75.15% of the earnings are spent on dividend by WSBCO. This is not a sustainable payout ratio.
The dividend of WSBCO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP75.15%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
WESBANCO INC - WSBC 7 3/8 PERP
NASDAQ:WSBCO (11/26/2025, 8:09:13 PM)
25.77
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.99%
Inst Owner ChangeN/A
Ins Owners2.33%
Ins Owner ChangeN/A
Market Cap2.48B
Revenue(TTM)878.38M
Net Income(TTM)171.50M
Analysts78.33
Price Target30.94 (20.06%)
Short Float %N/A
Short Ratio0.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8 | ||
| Fwd PE | 6.7 | ||
| P/S | 2.82 | ||
| P/FCF | 10.09 | ||
| P/OCF | 9.41 | ||
| P/B | 0.6 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.22
EY12.5%
EPS(NY)3.85
Fwd EY14.93%
FCF(TTM)2.55
FCFY9.91%
OCF(TTM)2.74
OCFY10.62%
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
WACC12.38%
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 Y50.11%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
EPS Next 5YN/A
Revenue 1Y (TTM)48.59%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%66.18%
Revenue Next Year71.19%
Revenue Next 2Y43.66%
Revenue Next 3Y31.44%
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 of WESBANCO INC - WSBC 7 3/8 PERP (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 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 8 and the Price/Book (PB) ratio is 0.6.
What is the earnings growth outlook for WESBANCO INC - WSBC 7 3/8 PERP?
The Earnings per Share (EPS) of WESBANCO INC - WSBC 7 3/8 PERP (WSBCO) is expected to grow by 50.11% in the next year.