(WSBC) WesBanco - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US9508101014

Loans, Deposits, Insurance, Trust, Brokerage

Stock: Regional Banks
Age 30.4y
MCap 3,302m
Avg Vol 392K (13.2M USD)
Beta 0.807
Volatility 35.94%

EPS (Earnings per Share)

EPS (Earnings per Share) of WSBC over the last years for every Quarter: "2020-12": 0.76, "2021-03": 1.06, "2021-06": 1.03, "2021-09": 0.7, "2021-12": 0.82, "2022-03": 0.7, "2022-06": 0.67, "2022-09": 0.85, "2022-12": 0.84, "2023-03": 0.71, "2023-06": 0.71, "2023-09": 0.59, "2023-12": 0.55, "2024-03": 0.56, "2024-06": 0.49, "2024-09": 0.54, "2024-12": 0.71, "2025-03": 0.66, "2025-06": 0.91, "2025-09": 0.94,
EPS CAGR: 3.71%
EPS Trend: -7.3%
Last SUE: 0.94
Qual. Beats: 4

Revenue

Revenue of WSBC over the last years for every Quarter: 2020-12: 154.817, 2021-03: 156.06, 2021-06: 156.956, 2021-09: 151.833, 2021-12: 144.663, 2022-03: 141.137, 2022-06: 143.898, 2022-09: 164.863, 2022-12: 175.244, 2023-03: 186.581, 2023-06: 206.124, 2023-09: 212.724, 2023-12: 219.445, 2024-03: 224.427, 2024-06: 232.866, 2024-09: 241.81, 2024-12: 248.502, 2025-03: 286.805, 2025-06: 379.046, 2025-09: 386.226,
Rev. CAGR: 29.94%
Rev. Trend: 97.1%
Last SUE: 1.10
Qual. Beats: 2

Dividends

Dividend Yield 4.70%
Yield on Cost 5y 5.89%
Yield CAGR 5y 3.07%
Payout Consistency 83.5%
Payout Ratio 46.3%
Risk via 5d forecast
Volatility 35.9%
Value at Risk 5%th 49.2%
Relative Tail Risk -16.72%
Reward TTM
Sharpe Ratio 0.54
Alpha 3.43
CAGR/Max DD 0.10
Character TTM
Hurst Exponent 0.524
Beta 0.807
Beta Downside 0.885
Drawdowns 3y
Max DD 44.34%
Mean DD 17.42%
Median DD 16.49%

Description: WSBC WesBanco January 12, 2026

WesBanco, Inc. (NASDAQ: WSBC) is a regional bank holding company that operates WesBanco Bank, offering a full suite of retail and corporate banking services-including deposits, consumer and commercial loans, mortgages, and trust and investment products-across West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, and Maryland. The business is organized into two segments: Community Banking and Trust & Investment Services, and it also provides insurance, brokerage, and investment advisory services.

Key recent metrics show the bank’s net interest margin (NIM) at 3.45% for Q4 2023, a modest but stable figure in a rising-rate environment, while total loans grew 5% YoY to $9.2 billion, driven primarily by commercial real-estate and consumer credit demand. Deposits increased 3% year-over-year to $12.8 billion, reflecting resilient local savings inflows despite broader regional-bank funding pressures. The company’s CET1 capital ratio stands at 12.3%, comfortably above the regulatory minimum and providing a buffer against credit-cycle volatility.

For a deeper, data-driven view of WSBC’s valuation dynamics, you might explore the analyst tools on ValueRay to see how these fundamentals compare with peer benchmarks.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (181.6m TTM) > 0 and > 6% of Revenue (6% = 78.0m TTM)
FCFTA 0.01 (>2.0%) and ΔFCFTA -0.09pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -1543 % (prev -1205 %; Δ -338.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.01 (>3.0%) and CFO 262.9m > Net Income 181.6m (YES >=105%, WARN >=100%)
Net Debt (738.6m) to EBITDA (250.4m) ratio: 2.95 <= 3.0 (WARN <= 3.5)
Current Ratio 0.06 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (89.7m) change vs 12m ago 38.81% (target <= -2.0% for YES)
Gross Margin 61.43% (prev 61.02%; Δ 0.41pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 5.65% (prev 4.96%; Δ 0.69pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.53 (EBITDA TTM 250.4m / Interest Expense TTM 427.6m) >= 6 (WARN >= 3)

Altman Z'' -4.52

(A) -0.73 = (Total Current Assets 1.35b - Total Current Liabilities 21.42b) / Total Assets 27.52b
(B) 0.04 = Retained Earnings (Balance) 1.21b / Total Assets 27.52b
(C) 0.01 = EBIT TTM 226.6m / Avg Total Assets 23.02b
(D) 0.05 = Book Value of Equity 1.26b / Total Liabilities 23.40b
Total Rating: -4.52 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 59.07

1. Piotroski 3.50pt
2. FCF Yield 6.44%
3. FCF Margin 18.86%
4. Debt/Equity 0.42
5. Debt/Ebitda 2.95
6. ROIC - WACC (= -4.34)%
7. RoE 5.01%
8. Rev. Trend 97.13%
9. EPS Trend -7.28%

What is the price of WSBC shares?

As of January 22, 2026, the stock is trading at USD 35.73 with a total of 688,060 shares traded.
Over the past week, the price has changed by +5.71%, over one month by +3.42%, over three months by +15.39% and over the past year by +17.06%.

Is WSBC a buy, sell or hold?

WesBanco has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy WSBC.
  • Strong Buy: 3
  • Buy: 2
  • Hold: 3
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the WSBC price?

Issuer Target Up/Down from current
Wallstreet Target Price 38.1 6.7%
Analysts Target Price 38.1 6.7%
ValueRay Target Price 37.9 6%

WSBC Fundamental Data Overview January 21, 2026

P/E Trailing = 16.2938
P/E Forward = 8.9286
P/S = 4.1052
P/B = 0.8811
P/EG = 1.71
Revenue TTM = 1.30b USD
EBIT TTM = 226.6m USD
EBITDA TTM = 250.4m USD
Long Term Debt = 1.63b USD (from longTermDebt, last quarter)
Short Term Debt = 113.5m USD (from shortTermDebt, last quarter)
Debt = 1.75b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 738.6m USD (from netDebt column, last quarter)
Enterprise Value = 3.81b USD (3.30b + Debt 1.75b - CCE 1.24b)
Interest Coverage Ratio = 0.53 (Ebit TTM 226.6m / Interest Expense TTM 427.6m)
EV/FCF = 15.52x (Enterprise Value 3.81b / FCF TTM 245.3m)
FCF Yield = 6.44% (FCF TTM 245.3m / Enterprise Value 3.81b)
FCF Margin = 18.86% (FCF TTM 245.3m / Revenue TTM 1.30b)
Net Margin = 13.96% (Net Income TTM 181.6m / Revenue TTM 1.30b)
Gross Margin = 61.43% ((Revenue TTM 1.30b - Cost of Revenue TTM 501.6m) / Revenue TTM)
Gross Margin QoQ = 66.79% (prev 67.59%)
Tobins Q-Ratio = 0.14 (Enterprise Value 3.81b / Total Assets 27.52b)
Interest Expense / Debt = 7.22% (Interest Expense 126.2m / Debt 1.75b)
Taxrate = 19.10% (19.7m / 103.3m)
NOPAT = 183.3m (EBIT 226.6m * (1 - 19.10%))
Current Ratio = 0.06 (Total Current Assets 1.35b / Total Current Liabilities 21.42b)
Debt / Equity = 0.42 (Debt 1.75b / totalStockholderEquity, last quarter 4.12b)
Debt / EBITDA = 2.95 (Net Debt 738.6m / EBITDA 250.4m)
Debt / FCF = 3.01 (Net Debt 738.6m / FCF TTM 245.3m)
Total Stockholder Equity = 3.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.79% (Net Income 181.6m / Total Assets 27.52b)
RoE = 5.01% (Net Income TTM 181.6m / Total Stockholder Equity 3.63b)
RoCE = 4.31% (EBIT 226.6m / Capital Employed (Equity 3.63b + L.T.Debt 1.63b))
RoIC = 3.50% (NOPAT 183.3m / Invested Capital 5.24b)
WACC = 7.84% (E(3.30b)/V(5.05b) * Re(8.89%) + D(1.75b)/V(5.05b) * Rd(7.22%) * (1-Tc(0.19)))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 22.82%
[DCF Debug] Terminal Value 77.68% ; FCFF base≈220.1m ; Y1≈205.5m ; Y5≈189.8m
Fair Price DCF = 28.68 (EV 3.49b - Net Debt 738.6m = Equity 2.75b / Shares 96.0m; r=7.84% [WACC]; 5y FCF grow -8.41% → 2.90% )
EPS Correlation: -7.28 | EPS CAGR: 3.71% | SUE: 0.94 | # QB: 4
Revenue Correlation: 97.13 | Revenue CAGR: 29.94% | SUE: 1.10 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.88 | Chg30d=+0.000 | Revisions Net=-3 | Analysts=7
EPS next Year (2026-12-31): EPS=3.78 | Chg30d=+0.011 | Revisions Net=-2 | Growth EPS=+12.2% | Growth Revenue=+12.7%

Additional Sources for WSBC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle