WSBC Stock Analysis: WesBanco | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 3.813m USD | 12M Return: 23.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 59.8M
EPS Trend: 41.7%
Qual. Beats: 0
Rev. Trend: 97.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
WesBanco, Inc. is a bank holding company that provides retail and corporate banking, trust and brokerage services, mortgage banking, and insurance products to individuals and businesses across multiple U.S. states. The company reports operations through two main segments: Community Banking and Trust and Investment Services. Its core activities include accepting deposits, originating commercial, residential, and consumer loans, selling mutual funds and annuities, and offering various insurance products.
As a regional bank, WesBanco generates revenue primarily through net interest income from its loan portfolio and deposit base, supplemented by fee-based income from trust, brokerage, and insurance operations. Founded in 1870 and headquartered in Wheeling, West Virginia, WesBanco operates a multi-state branch and ATM network spanning West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, Michigan, and Maryland. The company has been publicly traded on NASDAQ since 1995 under the ticker WSBC.
- Net interest margin compression pressures earnings amid rate cuts
- Commercial real estate loan portfolio drives interest income growth
- Premier Financial merger integration delivers cost synergies
| 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 55.95%; Δ 12.38% > 0.5%) |
| Asset Turnover: 5.49% > 50% (prev 3.68%; Δ 1.81% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBIT TTM 403.4m / 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: 0.17 (Book Value of Equity 4.07b / Total Liabilities 23.4b) |
| Altman-Z'' = 0.21 = B |
| DSRI: 0.65 (Receivables 105.3m/108.8m, Revenue 1.51b/1.01b) |
| GMI: 0.82 (GM 55.95% / 68.33%) |
| 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 July 08, 2026, the stock is trading at USD 39.31 with a total of 1,090,897 shares traded. Over the past week, the price has changed by +1.34%, over one month by +11.17%, over three months by +13.24% and over the past year by +23.34%.
Current recommended Stop Loss: 38.20 (which is 2.8% or 1.3 ATR below the current price).
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 | 40.1 | 1.9% |
P/E Trailing = 12.1595
P/E Forward = 10.9409
P/S = 3.6743
P/B = 0.999
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 = 5.00b USD (3.81b + Debt 1.40b - CCE 214.5m)
Interest Coverage Ratio = 0.85 (Ebit TTM 403.4m / Interest Expense TTM 473.1m)
EV/FCF = 12.51x (Enterprise Value 5.00b / FCF TTM 399.2m)
FCF Yield = 7.99% (FCF TTM 399.2m / Enterprise Value 5.00b)
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 = 0.18 (Enterprise Value 5.00b / Total Assets 27.5b)
Interest Expense / Debt = 33.85% (Interest Expense 473.1m / Debt 1.40b)
Taxrate = 19.88% (79.6m / 400.3m)
NOPAT = 323.2m (EBIT 403.4m * (1 - 19.88%))
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 = 1.18% (NOPAT 323.2m / Invested Capital 27.4b)
WACC = 13.10% (E(3.81b)/V(5.21b) * Re(7.96%) + D(1.40b)/V(5.21b) * Rd(33.85%) * (1-Tc(0.20)))
Discount Rate = 7.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 98.88 | Cagr: 23.89%
[DCF] Terminal Value 64.18% ; FCFF base≈282.8m ; Y1≈324.1m ; Y5≈477.1m
[DCF] Fair Price = 28.08 (EV 3.88b - Net Debt 1.18b = Equity 2.70b / Shares 96.2m; r=13.10% [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=+0.00% | Revisions=-73% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.90 | Chg30d=-0.15% | Revisions=-73% | Analysts=8
EPS current Year (2026-12-31): EPS=3.59 | Chg30d=+0.07% | Revisions=-73% | GrowthEPS=+5.6% | GrowthRev=+10.4%
EPS next Year (2027-12-31): EPS=3.96 | Chg30d=+0.19% | Revisions=-73% | GrowthEPS=+10.3% | GrowthRev=+8.1%
[Analyst] Revisions Ratio: -91% (up=0, down=32)