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

Fundamental Rating

WSBCP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. WSBCP may be in some trouble as it scores bad on both profitability and health. WSBCP is growing strongly while it is still valued neutral. This is a good combination! WSBCP also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

WSBCP had positive earnings in the past year.

Each year in the past 5 years WSBCP has been profitable.

WSBCP had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.45%, WSBCP is not doing good in the industry: 76.08% of the companies in the same industry are doing better.

Looking at the Return On Equity, with a value of 3.28%, WSBCP is doing worse than 81.68% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.45%
ROE	3.28%
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

WSBCP has a worse Profit Margin (16.31%) than 71.25% of its industry peers.

WSBCP's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for WSBCP so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	16.31%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for WSBCP has been reduced compared to 5 years ago.

The debt/assets ratio for WSBCP is higher compared to a year ago.

2.2 Solvency

WSBCP has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.12, WSBCP is in the better half of the industry, outperforming 64.38% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.76%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 28.77% over the past year.

WSBCP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.30% yearly.

The Revenue has grown by 30.32% in the past year. This is a very strong growth!

WSBCP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.25% yearly.

EPS 1Y (TTM)28.77%

EPS 3Y-13.31%

EPS 5Y-5.3%

EPS Q2Q%85.71%

Revenue 1Y (TTM)30.32%

Revenue growth 3Y0.87%

Revenue growth 5Y3.25%

Sales Q2Q%85.05%

3.2 Future

Based on estimates for the next years, WSBCP will show a very strong growth in Earnings Per Share. The EPS will grow by 30.86% on average per year.

WSBCP is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 38.80% yearly.

EPS Next Y49.45%

EPS Next 2Y30.86%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year71.35%

Revenue Next 2Y38.8%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.92, which indicates a very decent valuation of WSBCP.

Based on the Price/Earnings ratio, WSBCP is valued cheaper than 88.55% of the companies in the same industry.

When comparing the Price/Earnings ratio of WSBCP to the average of the S&P500 Index (26.85), we can say WSBCP is valued rather cheaply.

A Price/Forward Earnings ratio of 6.39 indicates a rather cheap valuation of WSBCP.

WSBCP's Price/Forward Earnings ratio is rather cheap when compared to the industry. WSBCP is cheaper than 93.38% of the companies in the same industry.

WSBCP is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.98, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.92
Fwd PE	6.39

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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 WSBCP's earnings are expected to grow with 30.86% in the coming years.

PEG (NY)0.18

PEG (5Y)N/A

EPS Next 2Y30.86%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.96%, WSBCP is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.41, WSBCP pays a better dividend. On top of this WSBCP pays more dividend than 83.97% 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 2.36.

		Industry Rank	Sector Rank
Dividend Yield	4.96%

5.2 History

The dividend of WSBCP is nicely growing with an annual growth rate of 7.36%!

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

5.3 Sustainability

40.04% of the earnings are spent on dividend by WSBCP. This is a bit on the high side, but may be sustainable.

WSBCP's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP40.04%

EPS Next 2Y30.86%

EPS Next 3YN/A

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WESBANCO INC - WSBC 6 3/4 PERP

NASDAQ:WSBCP (8/19/2025, 8:24:16 PM)

After market: 25.15 0 (0%)

25.15

-0.03 (-0.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-29 2025-07-29/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners70.93%

Inst Owner ChangeN/A

Ins Owners2.32%

Ins Owner ChangeN/A

Market Cap2.41B

Analysts78.46

Price Target32.16 (27.87%)

Short Float %0%

Short Ratio0.04

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.96%

Yearly Dividend1.54

Dividend Growth(5Y)7.36%

DP40.04%

Div Incr Years0

Div Non Decr Years4

Ex-Date08-01 2025-08-01 (0.421875)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)8.92%

Min EPS beat(2)3.57%

Max EPS beat(2)14.27%

EPS beat(4)4

Avg EPS beat(4)12.08%

Min EPS beat(4)2.94%

Max EPS beat(4)27.55%

EPS beat(8)5

Avg EPS beat(8)4.05%

EPS beat(12)7

Avg EPS beat(12)3.37%

EPS beat(16)9

Avg EPS beat(16)2.49%

Revenue beat(2)0

Avg Revenue beat(2)-2.88%

Min Revenue beat(2)-4.65%

Max Revenue beat(2)-1.1%

Revenue beat(4)1

Avg Revenue beat(4)-3.47%

Min Revenue beat(4)-8.79%

Max Revenue beat(4)0.65%

Revenue beat(8)1

Avg Revenue beat(8)-3.82%

Revenue beat(12)4

Avg Revenue beat(12)1.96%

Revenue beat(16)8

Avg Revenue beat(16)7.45%

PT rev (1m)0.34%

PT rev (3m)1.71%

EPS NQ rev (1m)-1.89%

EPS NQ rev (3m)-2.05%

EPS NY rev (1m)0%

EPS NY rev (3m)3.33%

Revenue NQ rev (1m)-0.79%

Revenue NQ rev (3m)0.19%

Revenue NY rev (1m)-0.12%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	8.92
Fwd PE	6.39
P/S	3.15
P/FCF	N/A
P/OCF	N/A
P/B	0.63
P/tB	1.16
EV/EBITDA	N/A

EPS(TTM)2.82

EY11.21%

EPS(NY)3.94

Fwd EY15.66%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS8

BVpS39.79

TBVpS21.61

PEG (NY)0.18

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.45%
ROE	3.28%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	16.31%
GM	N/A
FCFM	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

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-ScoreN/A

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-ScoreN/A

WACC12.76%

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)28.77%

EPS 3Y-13.31%

EPS 5Y-5.3%

EPS Q2Q%85.71%

EPS Next Y49.45%

EPS Next 2Y30.86%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)30.32%

Revenue growth 3Y0.87%

Revenue growth 5Y3.25%

Sales Q2Q%85.05%

Revenue Next Year71.35%

Revenue Next 2Y38.8%

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%

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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