24.99 USD
+0.01 (+0.04%)
25 USD
+0.01 (+0.04%)
Overall WSBCP gets a fundamental rating of 4 out of 10. We evaluated WSBCP against 388 industry peers in the Banks industry. WSBCP may be in some trouble as it scores bad on both profitability and health. WSBCP has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! WSBCP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year WSBCP was profitable.
WSBCP had a positive operating cash flow in the past year.
In the past 5 years WSBCP has always 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: 79.90% of the companies in the same industry are doing better.
WSBCP's Return On Equity of 3.28% is on the low side compared to the rest of the industry. WSBCP is outperformed by 84.28% of its industry peers.
| 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's Profit Margin of 16.31% is on the low side compared to the rest of the industry. WSBCP is outperformed by 73.71% 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
2. Health
2.1 Basic Checks
WSBCP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WSBCP has more shares outstanding
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 to FCF ratio of 2.46. This is a good value and a sign of high solvency as WSBCP would need 2.46 years to pay back of all of its debts.
WSBCP has a Debt to FCF ratio (2.46) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.12 indicates that WSBCP is not too dependend on debt financing.
WSBCP has a better Debt to Equity ratio (0.12) than 63.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WSBCP 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.
WSBCP 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%123.01%
3.2 Future
The Earnings Per Share is expected to grow by 21.91% on average over the next years. This is a very strong growth
Based on estimates for the next years, WSBCP 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
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
Based on the Price/Earnings ratio of 7.76, the valuation of WSBCP can be described as very cheap.
WSBCP's Price/Earnings ratio is rather cheap when compared to the industry. WSBCP is cheaper than 92.78% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.45. WSBCP is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.49, the valuation of WSBCP can be described as very cheap.
WSBCP's Price/Forward Earnings ratio is rather cheap when compared to the industry. WSBCP is cheaper than 93.56% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.46. WSBCP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.76 | ||
| Fwd PE | 6.49 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WSBCP is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WSBCP's 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 21.91% in the coming years.
PEG (NY)0.15
PEG (5Y)N/A
EPS Next 2Y29.35%
EPS Next 3Y21.91%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.66%, WSBCP is a good candidate for dividend investing.
WSBCP's Dividend Yield is rather good when compared to the industry average which is at 3.39. WSBCP pays more dividend than 94.33% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, WSBCP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
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
5.3 Sustainability
91.76% of the earnings are spent on dividend by WSBCP. This is not a sustainable payout ratio.
The dividend of WSBCP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP91.76%
EPS Next 2Y29.35%
EPS Next 3Y21.91%
24.99
+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 Cap2.40B
Revenue(TTM)878.38M
Net Income(TTM)125.20M
Analysts78.33
Price Target30.5 (22.05%)
Short Float %0%
Short Ratio0.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.66% |
Yearly Dividend1.54
Dividend Growth(5Y)7.36%
DP91.76%
Div Incr Years0
Div Non Decr Years4
Ex-Date
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)2.38%
PT rev (3m)-5.15%
EPS NQ rev (1m)-0.14%
EPS NQ rev (3m)-1.29%
EPS NY rev (1m)-0.69%
EPS NY rev (3m)0.44%
Revenue NQ rev (1m)0.59%
Revenue NQ rev (3m)0.91%
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)-0.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.76 | ||
| Fwd PE | 6.49 | ||
| P/S | 3.13 | ||
| P/FCF | 12.81 | ||
| P/OCF | 11.6 | ||
| P/B | 0.63 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.22
EY12.89%
EPS(NY)3.85
Fwd EY15.4%
FCF(TTM)1.95
FCFY7.81%
OCF(TTM)2.15
OCFY8.62%
SpS8
BVpS39.79
TBVpS21.61
PEG (NY)0.15
PEG (5Y)N/A
Graham Number53.69
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 | 24.4% |
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 | 0.12 | ||
| Debt/FCF | 2.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 127.72% | ||
| Cap/Sales | 2.54% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 149.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC12.5%
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%123.01%
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 1Y21.53%
FCF growth 3Y-15.09%
FCF growth 5Y5.82%
OCF growth 1Y17.36%
OCF growth 3Y-14.39%
OCF growth 5Y5.25%
WESBANCO INC - WSBC 6 3/4 PERP / WSBCP FAQ
What is the ChartMill fundamental rating of WESBANCO INC - WSBC 6 3/4 PERP (WSBCP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to WSBCP.
What is the valuation status of WESBANCO INC - WSBC 6 3/4 PERP (WSBCP) stock?
ChartMill assigns a valuation rating of 7 / 10 to WESBANCO INC - WSBC 6 3/4 PERP (WSBCP). This can be considered as Undervalued.
How profitable is WESBANCO INC - WSBC 6 3/4 PERP (WSBCP) stock?
WESBANCO INC - WSBC 6 3/4 PERP (WSBCP) has a profitability rating of 2 / 10.
What is the valuation of WESBANCO INC - WSBC 6 3/4 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for WESBANCO INC - WSBC 6 3/4 PERP (WSBCP) is 7.76 and the Price/Book (PB) ratio is 0.63.
Is the dividend of WESBANCO INC - WSBC 6 3/4 PERP sustainable?
The dividend rating of WESBANCO INC - WSBC 6 3/4 PERP (WSBCP) is 7 / 10 and the dividend payout ratio is 91.76%.