(WSBC) WesBanco - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US9508101014
Stock: Loans, Deposits, Insurance, Trust, Brokerage
Total Rating 47
Risk 73
Buy Signal 0.48
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.70% |
| Yield on Cost 5y | 5.92% |
| Yield CAGR 5y | 3.07% |
| Payout Consistency | 86.4% |
| Payout Ratio | 44.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.5% |
| Relative Tail Risk | -14.4% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.37 |
| Alpha | -0.68 |
| Character TTM | |
|---|---|
| Beta | 0.811 |
| Beta Downside | 0.899 |
| Drawdowns 3y | |
|---|---|
| Max DD | 43.12% |
| CAGR/Max DD | 0.13 |
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) 3.0
| Net Income: 223.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.09 > 1.0 |
| NWC/Revenue: 243.2% < 20% (prev -1423 %; Δ 1666 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 262.9m > Net Income 223.1m |
| Net Debt (-94.2m) to EBITDA (311.4m): -0.30 < 3 |
| Current Ratio: 32.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (89.7m) vs 12m ago 33.92% < -2% |
| Gross Margin: 62.93% > 18% (prev 0.61%; Δ 6232 % > 0.5%) |
| Asset Turnover: 6.19% > 50% (prev 5.07%; Δ 1.12% > 0%) |
| Interest Coverage Ratio: 0.62 > 6 (EBITDA TTM 311.4m / Interest Expense TTM 457.6m) |
Altman Z'' 1.11
| A: 0.13 (Total Current Assets 3.60b - Total Current Liabilities 110.7m) / Total Assets 27.70b |
| B: 0.05 (Retained Earnings 1.25b / Total Assets 27.70b) |
| C: 0.01 (EBIT TTM 282.3m / Avg Total Assets 23.19b) |
| D: 0.06 (Book Value of Equity 1.32b / Total Liabilities 23.66b) |
| Altman-Z'' Score: 1.11 = BB |
Beneish M -2.82
| DSRI: 0.90 (Receivables 106.7m/78.3m, Revenue 1.43b/947.6m) |
| GMI: 0.97 (GM 62.93% / 61.31%) |
| AQI: 0.91 (AQ_t 0.86 / AQ_t-1 0.94) |
| SGI: 1.51 (Revenue 1.43b / 947.6m) |
| TATA: -0.00 (NI 223.1m - CFO 262.9m) / TA 27.70b) |
| Beneish M-Score: -2.82 (Cap -4..+1) = A |
What is the price of WSBC shares?
As of February 07, 2026, the stock is trading at USD 37.89 with a total of 518,016 shares traded.
Over the past week, the price has changed by +7.37%, over one month by +10.02%, over three months by +26.36% and over the past year by +11.26%.
Over the past week, the price has changed by +7.37%, over one month by +10.02%, over three months by +26.36% and over the past year by +11.26%.
Is WSBC a buy, sell or hold?
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
What are the forecasts/targets for the WSBC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 38.7 | 2.2% |
| Analysts Target Price | 38.7 | 2.2% |
| ValueRay Target Price | 40.2 | 6% |
WSBC Fundamental Data Overview February 01, 2026
P/E Trailing = 15.8251
P/E Forward = 9.1491
P/S = 3.751
P/B = 0.8888
P/EG = 1.71
Revenue TTM = 1.43b USD
EBIT TTM = 282.3m USD
EBITDA TTM = 311.4m USD
Long Term Debt = 1.63b USD (from longTermDebt, two quarters ago)
Short Term Debt = 110.7m USD (from shortTermDebt, last quarter)
Debt = 110.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -94.2m USD (from netDebt column, last quarter)
Enterprise Value = 7.71m USD (3.39b + Debt 110.7m - CCE 3.49b)
Interest Coverage Ratio = 0.62 (Ebit TTM 282.3m / Interest Expense TTM 457.6m)
EV/FCF = 0.03x (Enterprise Value 7.71m / FCF TTM 245.3m)
FCF Yield = 3180 % (FCF TTM 245.3m / Enterprise Value 7.71m)
FCF Margin = 17.09% (FCF TTM 245.3m / Revenue TTM 1.43b)
Net Margin = 15.55% (Net Income TTM 223.1m / Revenue TTM 1.43b)
Gross Margin = 62.93% ((Revenue TTM 1.43b - Cost of Revenue TTM 531.8m) / Revenue TTM)
Gross Margin QoQ = 69.39% (prev 66.79%)
Tobins Q-Ratio = 0.00 (Enterprise Value 7.71m / Total Assets 27.70b)
Interest Expense / Debt = 105.8% (Interest Expense 117.1m / Debt 110.7m)
Taxrate = 20.51% (23.5m / 114.6m)
NOPAT = 224.4m (EBIT 282.3m * (1 - 20.51%))
Current Ratio = 32.53 (Total Current Assets 3.60b / Total Current Liabilities 110.7m)
Debt / Equity = 0.03 (Debt 110.7m / totalStockholderEquity, last quarter 4.03b)
Debt / EBITDA = -0.30 (Net Debt -94.2m / EBITDA 311.4m)
Debt / FCF = -0.38 (Net Debt -94.2m / FCF TTM 245.3m)
Total Stockholder Equity = 3.94b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.96% (Net Income 223.1m / Total Assets 27.70b)
RoE = 5.67% (Net Income TTM 223.1m / Total Stockholder Equity 3.94b)
RoCE = 5.07% (EBIT 282.3m / Capital Employed (Equity 3.94b + L.T.Debt 1.63b))
RoIC = 3.99% (NOPAT 224.4m / Invested Capital 5.62b)
WACC = 8.62% (E(3.39b)/V(3.50b) * Re(8.90%) + (debt cost/tax rate unavailable))
Discount Rate = 8.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 22.82%
[DCF Debug] Terminal Value 74.73% ; FCFF base≈220.1m ; Y1≈205.5m ; Y5≈189.8m
Fair Price DCF = 32.44 (EV 3.02b - Net Debt -94.2m = Equity 3.12b / Shares 96.1m; r=8.62% [WACC]; 5y FCF grow -8.41% → 2.90% )
EPS Correlation: 13.39 | EPS CAGR: 4.98% | SUE: -0.16 | # QB: 0
Revenue Correlation: 97.50 | Revenue CAGR: 30.48% | SUE: 4.0 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.86 | Chg30d=-0.021 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=3.71 | Chg30d=-0.074 | Revisions Net=-2 | Growth EPS=+9.1% | Growth Revenue=+12.2%
EPS next Year (2027-12-31): EPS=4.09 | Chg30d=-0.047 | Revisions Net=+0 | Growth EPS=+10.3% | Growth Revenue=+6.5%
P/E Forward = 9.1491
P/S = 3.751
P/B = 0.8888
P/EG = 1.71
Revenue TTM = 1.43b USD
EBIT TTM = 282.3m USD
EBITDA TTM = 311.4m USD
Long Term Debt = 1.63b USD (from longTermDebt, two quarters ago)
Short Term Debt = 110.7m USD (from shortTermDebt, last quarter)
Debt = 110.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -94.2m USD (from netDebt column, last quarter)
Enterprise Value = 7.71m USD (3.39b + Debt 110.7m - CCE 3.49b)
Interest Coverage Ratio = 0.62 (Ebit TTM 282.3m / Interest Expense TTM 457.6m)
EV/FCF = 0.03x (Enterprise Value 7.71m / FCF TTM 245.3m)
FCF Yield = 3180 % (FCF TTM 245.3m / Enterprise Value 7.71m)
FCF Margin = 17.09% (FCF TTM 245.3m / Revenue TTM 1.43b)
Net Margin = 15.55% (Net Income TTM 223.1m / Revenue TTM 1.43b)
Gross Margin = 62.93% ((Revenue TTM 1.43b - Cost of Revenue TTM 531.8m) / Revenue TTM)
Gross Margin QoQ = 69.39% (prev 66.79%)
Tobins Q-Ratio = 0.00 (Enterprise Value 7.71m / Total Assets 27.70b)
Interest Expense / Debt = 105.8% (Interest Expense 117.1m / Debt 110.7m)
Taxrate = 20.51% (23.5m / 114.6m)
NOPAT = 224.4m (EBIT 282.3m * (1 - 20.51%))
Current Ratio = 32.53 (Total Current Assets 3.60b / Total Current Liabilities 110.7m)
Debt / Equity = 0.03 (Debt 110.7m / totalStockholderEquity, last quarter 4.03b)
Debt / EBITDA = -0.30 (Net Debt -94.2m / EBITDA 311.4m)
Debt / FCF = -0.38 (Net Debt -94.2m / FCF TTM 245.3m)
Total Stockholder Equity = 3.94b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.96% (Net Income 223.1m / Total Assets 27.70b)
RoE = 5.67% (Net Income TTM 223.1m / Total Stockholder Equity 3.94b)
RoCE = 5.07% (EBIT 282.3m / Capital Employed (Equity 3.94b + L.T.Debt 1.63b))
RoIC = 3.99% (NOPAT 224.4m / Invested Capital 5.62b)
WACC = 8.62% (E(3.39b)/V(3.50b) * Re(8.90%) + (debt cost/tax rate unavailable))
Discount Rate = 8.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 22.82%
[DCF Debug] Terminal Value 74.73% ; FCFF base≈220.1m ; Y1≈205.5m ; Y5≈189.8m
Fair Price DCF = 32.44 (EV 3.02b - Net Debt -94.2m = Equity 3.12b / Shares 96.1m; r=8.62% [WACC]; 5y FCF grow -8.41% → 2.90% )
EPS Correlation: 13.39 | EPS CAGR: 4.98% | SUE: -0.16 | # QB: 0
Revenue Correlation: 97.50 | Revenue CAGR: 30.48% | SUE: 4.0 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.86 | Chg30d=-0.021 | Revisions Net=-3 | Analysts=5
EPS current Year (2026-12-31): EPS=3.71 | Chg30d=-0.074 | Revisions Net=-2 | Growth EPS=+9.1% | Growth Revenue=+12.2%
EPS next Year (2027-12-31): EPS=4.09 | Chg30d=-0.047 | Revisions Net=+0 | Growth EPS=+10.3% | Growth Revenue=+6.5%