(WSBC) WesBanco - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 3.286m USD | Total Return: 18.5% in 12m
Avg Turnover: 22.0M
EPS Trend: 41.7%
Qual. Beats: 0
Rev. Trend: 97.4%
Qual. Beats: 0
Warnings
Share dilution 25.0% YoY
Tailwinds
No distinct edge detected
WesBanco, Inc. (WSBC) is a diversified financial services holding company headquartered in West Virginia, operating primarily through its Community Banking and Trust and Investment Services segments. Founded in 1870, the institution provides a comprehensive suite of products including commercial and retail lending, deposit accounts, mortgage banking, and insurance services across several states in the Mid-Atlantic and Midwest regions.
As a regional bank, WesBanco relies on a business model centered on the net interest margin, which is the spread between interest earned on loans and interest paid to depositors. Regional banks often maintain a competitive advantage through localized credit underwriting and established relationships within specific geographic footprints like the Ohio River Valley.
The company also functions as an investment adviser and provides fiduciary services through its trust department, diversifying its revenue streams beyond traditional lending. Investors may find it useful to examine ValueRay for deeper insights into the companys valuation metrics. WesBanco continues to expand its presence through a network of branches and ATMs in Maryland, Michigan, and Kentucky.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial and industrial loan growth across the Ohio River Valley
- Wealth management fee income expansion through trust and investment services
- Regional economic stability in core West Virginia and Pennsylvania markets
- Operational efficiency gains from strategic branch consolidation and digital migration
| Net Income: 320.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.06 > 1.0 |
| NWC/Revenue: -62.87% < 20% (prev -1.98k%; Δ 1.92k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 423.4m > Net Income 320.7m |
| Net Debt (1.18b) to EBITDA (435.4m): 2.72 < 3 |
| Current Ratio: 0.25 > 1.5 & < 3 |
| Outstanding Shares: last quarter (96.3m) vs 12m ago 25.04% < -2% |
| Gross Margin: 68.33% > 18% (prev 0.56%; Δ 6.78k% > 0.5%) |
| Asset Turnover: 5.49% > 50% (prev 3.68%; Δ 1.81% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBITDA TTM 435.4m / Interest Expense TTM 473.1m) |
| A: -0.03 (Total Current Assets 319.7m - Total Current Liabilities 1.27b) / Total Assets 27.5b |
| B: 0.05 (Retained Earnings 1.30b / Total Assets 27.5b) |
| C: 0.01 (EBIT TTM 403.4m / Avg Total Assets 27.4b) |
| D: 0.06 (Book Value of Equity 1.35b / Total Liabilities 23.4b) |
| Altman-Z'' = 0.09 = B |
| DSRI: 0.65 (Receivables 105.3m/108.8m, Revenue 1.51b/1.01b) |
| GMI: 0.82 (GM 68.33% / 55.95%) |
| AQI: 1.05 (AQ_t 0.98 / AQ_t-1 0.94) |
| SGI: 1.49 (Revenue 1.51b / 1.01b) |
| TATA: -0.00 (NI 320.7m - CFO 423.4m) / TA 27.5b) |
| Beneish M = -3.10 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 34.62 with a total of 680,431 shares traded.
Over the past week, the price has changed by +4.51%,
over one month by +4.41%,
over three months by -1.35% and
over the past year by +18.53%.
WesBanco has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy WSBC.
- StrongBuy: 3
- Buy: 2
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 39.3 | 13.4% |
P/E Forward = 9.1575
P/S = 3.1673
P/B = 0.8359
P/EG = 1.2274
Revenue TTM = 1.51b USD
EBIT TTM = 403.4m USD
EBITDA TTM = 435.4m USD
Long Term Debt = 1.28b USD (from longTermDebt, last quarter)
Short Term Debt = 114.1m USD (from shortTermDebt, last quarter)
Debt = 1.40b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.18b USD (calculated: Debt 1.40b - CCE 214.5m)
Enterprise Value = 4.47b USD (3.29b + Debt 1.40b - CCE 214.5m)
Interest Coverage Ratio = 0.85 (Ebit TTM 403.4m / Interest Expense TTM 473.1m)
EV/FCF = 11.20x (Enterprise Value 4.47b / FCF TTM 399.2m)
FCF Yield = 8.93% (FCF TTM 399.2m / Enterprise Value 4.47b)
FCF Margin = 26.47% (FCF TTM 399.2m / Revenue TTM 1.51b)
Net Margin = 21.27% (Net Income TTM 320.7m / Revenue TTM 1.51b)
Gross Margin = 68.33% ((Revenue TTM 1.51b - Cost of Revenue TTM 477.6m) / Revenue TTM)
Gross Margin QoQ = 69.63% (prev 69.39%)
Tobins Q-Ratio = 0.16 (Enterprise Value 4.47b / Total Assets 27.5b)
Interest Expense / Debt = 33.85% (Interest Expense 473.1m / Debt 1.40b)
Taxrate = 20.45% (22.8m / 111.4m)
NOPAT = 320.9m (EBIT 403.4m * (1 - 20.45%))
Current Ratio = 0.25 (Total Current Assets 319.7m / Total Current Liabilities 1.27b)
Debt / Equity = 0.34 (Debt 1.40b / totalStockholderEquity, last quarter 4.07b)
Debt / EBITDA = 2.72 (Net Debt 1.18b / EBITDA 435.4m)
Debt / FCF = 2.96 (Net Debt 1.18b / FCF TTM 399.2m)
Total Stockholder Equity = 4.01b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.17% (Net Income 320.7m / Total Assets 27.5b)
RoE = 8.00% (Net Income TTM 320.7m / Total Stockholder Equity 4.01b)
RoCE = 7.62% (EBIT 403.4m / Capital Employed (Equity 4.01b + L.T.Debt 1.28b))
RoIC = 1.17% (NOPAT 320.9m / Invested Capital 27.3b)
WACC = 13.95% (E(3.29b)/V(4.68b) * Re(8.43%) + D(1.40b)/V(4.68b) * Rd(33.85%) * (1-Tc(0.20)))
Discount Rate = 8.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 98.88 | Cagr: 23.89%
[DCF] Terminal Value 62.03% ; FCFF base≈282.8m ; Y1≈324.1m ; Y5≈477.1m
[DCF] Fair Price = 24.96 (EV 3.58b - Net Debt 1.18b = Equity 2.40b / Shares 96.2m; r=13.95% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 41.72 | EPS CAGR: 8.45% | SUE: 0.64 | # QB: 0
Revenue Correlation: 97.36 | Revenue CAGR: 29.49% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.85 | Chg30d=-6.43% | Revisions=-67% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.90 | Chg30d=-6.64% | Revisions=-67% | Analysts=8
EPS current Year (2026-12-31): EPS=3.59 | Chg30d=-3.72% | Revisions=-67% | GrowthEPS=+5.5% | GrowthRev=+10.4%
EPS next Year (2027-12-31): EPS=3.95 | Chg30d=-4.01% | Revisions=-67% | GrowthEPS=+10.2% | GrowthRev=+8.0%
[Analyst] Revisions Ratio: -67%