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WESBANCO INC - WSBC 6 3/4 PERP (WSBCP) Stock Fundamental Analysis

NASDAQ:WSBCP - Nasdaq - US9508107052 - Currency: USD

25.21  +0.01 (+0.04%)

Fundamental Rating

4

Overall WSBCP gets a fundamental rating of 4 out of 10. We evaluated WSBCP against 395 industry peers in the Banks industry. Both the profitability and financial health of WSBCP have multiple concerns. WSBCP is valued quite cheap, while showing a decent growth score. This is a good combination! WSBCP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

WSBCP had positive earnings in the past year.
WSBCP had a positive operating cash flow in the past year.
In the past 5 years WSBCP has always been profitable.
In the past 5 years WSBCP always reported a positive cash flow from operatings.
WSBCP Yearly Net Income VS EBIT VS OCF VS FCFWSBCP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

1.2 Ratios

WSBCP has a Return On Assets of 0.76%. This is comparable to the rest of the industry: WSBCP outperforms 41.52% of its industry peers.
Looking at the Return On Equity, with a value of 5.07%, WSBCP is doing worse than 76.96% of the companies in the same industry.
Industry RankSector Rank
ROA 0.76%
ROE 5.07%
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
WSBCP Yearly ROA, ROE, ROICWSBCP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 23.32%, WSBCP is in line with its industry, outperforming 48.61% of the companies in the same industry.
In the last couple of years the Profit Margin of WSBCP has declined.
The Operating Margin and Gross Margin are not available for WSBCP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.32%
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
WSBCP Yearly Profit, Operating, Gross MarginsWSBCP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

WSBCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for WSBCP has been increased compared to 1 year ago.
WSBCP has less shares outstanding than it did 5 years ago.
WSBCP has a worse debt/assets ratio than last year.
WSBCP Yearly Shares OutstandingWSBCP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
WSBCP Yearly Total Debt VS Total AssetsWSBCP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

WSBCP has a debt to FCF ratio of 2.35. This is a good value and a sign of high solvency as WSBCP would need 2.35 years to pay back of all of its debts.
The Debt to FCF ratio of WSBCP (2.35) is comparable to the rest of the industry.
WSBCP has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.17, WSBCP is in line with its industry, outperforming 50.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACCN/A
WACC13.31%
WSBCP Yearly LT Debt VS Equity VS FCFWSBCP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WSBCP Yearly Current Assets VS Current LiabilitesWSBCP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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6

3. Growth

3.1 Past

WSBCP shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.41%.
Measured over the past years, WSBCP shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.30% on average per year.
The Revenue has grown by 10.15% in the past year. This is quite good.
Measured over the past years, WSBCP shows a small growth in Revenue. The Revenue has been growing by 3.25% on average per year.
EPS 1Y (TTM)-0.41%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%17.86%
Revenue 1Y (TTM)10.15%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%38.67%

3.2 Future

WSBCP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.34% yearly.
Based on estimates for the next years, WSBCP will show a very strong growth in Revenue. The Revenue will grow by 39.02% on average per year.
EPS Next Y49.2%
EPS Next 2Y31.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year71.34%
Revenue Next 2Y39.02%
Revenue Next 3YN/A
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.
WSBCP Yearly Revenue VS EstimatesWSBCP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
WSBCP Yearly EPS VS EstimatesWSBCP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.50 indicates a reasonable valuation of WSBCP.
Compared to the rest of the industry, the Price/Earnings ratio of WSBCP indicates a somewhat cheap valuation: WSBCP is cheaper than 65.32% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of WSBCP to the average of the S&P500 Index (26.35), we can say WSBCP is valued rather cheaply.
WSBCP is valuated cheaply with a Price/Forward Earnings ratio of 6.35.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WSBCP indicates a rather cheap valuation: WSBCP is cheaper than 91.39% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.19. WSBCP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.5
Fwd PE 6.35
WSBCP Price Earnings VS Forward Price EarningsWSBCP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

WSBCP's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.02
EV/EBITDA N/A
WSBCP Per share dataWSBCP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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.
WSBCP's earnings are expected to grow with 31.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y31.34%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.70%, WSBCP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.46, WSBCP pays a better dividend. On top of this WSBCP pays more dividend than 94.43% of the companies listed in the same industry.
WSBCP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 6.7%

5.2 History

On average, the dividend of WSBCP grows each year by 7.36%, which is quite nice.
WSBCP has been paying a dividend for over 5 years, so it has already some track record.
WSBCP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.36%
Div Incr Years0
Div Non Decr Years4
WSBCP Yearly Dividends per shareWSBCP Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

WSBCP pays out 68.99% of its income as dividend. This is not a sustainable payout ratio.
WSBCP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP68.99%
EPS Next 2Y31.34%
EPS Next 3YN/A
WSBCP Yearly Income VS Free CF VS DividendWSBCP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
WSBCP Dividend Payout.WSBCP Dividend Payout, showing the Payout Ratio.WSBCP Dividend Payout.PayoutRetained Earnings

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WESBANCO INC - WSBC 6 3/4 PERP

NASDAQ:WSBCP (6/20/2025, 4:30:02 PM)

25.21

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners70.91%
Inst Owner ChangeN/A
Ins Owners2.35%
Ins Owner ChangeN/A
Market Cap2.41B
Analysts78.57
Price Target31.01 (23.01%)
Short Float %0.01%
Short Ratio0.54
Dividend
Industry RankSector Rank
Dividend Yield 6.7%
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP68.99%
Div Incr Years0
Div Non Decr Years4
Ex-Date05-01 2025-05-01 (0.421875)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.25%
Min EPS beat(2)2.94%
Max EPS beat(2)27.55%
EPS beat(4)3
Avg EPS beat(4)5.11%
Min EPS beat(4)-10.09%
Max EPS beat(4)27.55%
EPS beat(8)4
Avg EPS beat(8)1.24%
EPS beat(12)6
Avg EPS beat(12)2.38%
EPS beat(16)9
Avg EPS beat(16)6.7%
Revenue beat(2)1
Avg Revenue beat(2)-4.07%
Min Revenue beat(2)-8.79%
Max Revenue beat(2)0.65%
Revenue beat(4)1
Avg Revenue beat(4)-4.98%
Min Revenue beat(4)-8.79%
Max Revenue beat(4)0.65%
Revenue beat(8)2
Avg Revenue beat(8)-1.82%
Revenue beat(12)6
Avg Revenue beat(12)6.34%
Revenue beat(16)10
Avg Revenue beat(16)10.81%
PT rev (1m)-1.93%
PT rev (3m)3.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.91%
EPS NY rev (1m)0%
EPS NY rev (3m)2.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.35%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.17%
Valuation
Industry RankSector Rank
PE 10.5
Fwd PE 6.35
P/S 3.98
P/FCF 12.02
P/OCF 11.43
P/B 0.86
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)2.4
EY9.52%
EPS(NY)3.97
Fwd EY15.74%
FCF(TTM)2.1
FCFY8.32%
OCF(TTM)2.21
OCFY8.75%
SpS6.34
BVpS29.17
TBVpS17.42
PEG (NY)0.21
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 5.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.32%
GM N/A
FCFM 33.1%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.35
Debt/EBITDA N/A
Cap/Depr 67.56%
Cap/Sales 1.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 141.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.31%
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)-0.41%
EPS 3Y-13.31%
EPS 5Y-5.3%
EPS Q2Q%17.86%
EPS Next Y49.2%
EPS Next 2Y31.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.15%
Revenue growth 3Y0.87%
Revenue growth 5Y3.25%
Sales Q2Q%38.67%
Revenue Next Year71.34%
Revenue Next 2Y39.02%
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 1Y36.68%
FCF growth 3Y-15.09%
FCF growth 5Y5.82%
OCF growth 1Y24.61%
OCF growth 3Y-14.39%
OCF growth 5Y5.25%