The earnings call highlights significant financial improvements, successful integration of Premier Financial, and strategic expansion, indicating positive growth prospects. However, the decline in deposits and increased criticized loans present challenges.

Company Guidance -

Q3 2025

During WesBanco's Second Quarter 2025 Earnings Conference Call, the company provided key guidance metrics and insights into its financial performance and strategic initiatives. Excluding merger-related charges, WesBanco reported earnings per share of $0.91, supported by a net interest margin of 3.59% and a significant 40% year-over-year increase in fee income. The company achieved a net income of $87.3 million for the quarter, excluding merger and restructuring expenses, marking an 86% increase compared to the previous year. The efficiency ratio improved by 10 percentage points year-over-year to 55.5%, reflecting successful integration and cost-saving strategies from the Premier Financial acquisition. The call highlighted organic loan growth of 6% year-over-year and 3% quarter-over-quarter annualized, with a commercial loan pipeline of approximately $1.3 billion as of June 30, 2025. Additionally, total deposits increased organically by over $800 million year-over-year, while the commercial pipeline grew by roughly 5% in the three weeks following the quarter's end. The company anticipates maintaining a mid-single-digit loan growth rate for the full year 2025, supported by strategic investments such as new loan production offices in Knoxville and Northern Virginia, and the expansion of its healthcare sector team. WesBanco is also focused on enhancing fee income as a percentage of total revenue through new treasury management products and services.

Significant Earnings Growth

WesBanco reported a net income of $87.3 million and diluted earnings per share of $0.91, representing an 86% increase year-over-year.

Improved Financial Metrics

The net interest margin improved to 3.59% and the efficiency ratio improved 10 percentage points year-over-year to 55.5%.

Successful Integration of Premier Financial

The seamless integration of Premier Financial was completed, including the transition of 400,000 consumer and 50,000 business relationships.

Strong Fee Income Growth

Fee income grew 40% year-over-year to $44 million, driven by the Premier acquisition and organic growth.

Commercial Loan Growth

Total commercial loans increased 7% year-over-year and 4% annualized sequentially. The commercial loan pipeline grew approximately 5% in the three weeks since quarter-end.

Strategic Expansion Initiatives

Expansion into Knoxville and Northern Virginia with new Loan Production Offices (LPOs) and a focus on the healthcare sector with a new team of commercial bankers.

WesBanco (WSBC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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WSBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.89 / -	0.56	―	―	―
Jul 29, 2025	2025 (Q2)	0.85 / 0.91	0.49	85.71% (+0.42)
Apr 29, 2025	2025 (Q1)	0.57 / 0.66	0.56	17.86% (+0.10)
Jan 22, 2025	2024 (Q4)	0.55 / 0.71	0.55	29.09% (+0.16)
Oct 23, 2024	2024 (Q3)	0.51 / 0.56	0.59	-5.08% (-0.03)
Jul 26, 2024	2024 (Q2)	0.53 / 0.49	0.71	-30.99% (-0.22)
Apr 23, 2024	2024 (Q1)	0.55 / 0.56	0.71	-21.13% (-0.15)
Jan 23, 2024	2023 (Q4)	0.56 / 0.55	0.84	-34.52% (-0.29)
Oct 25, 2023	2023 (Q3)	0.59 / 0.59	0.85	-30.59% (-0.26)
Jul 25, 2023	2023 (Q2)	0.67 / 0.71	0.67	5.97% (+0.04)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

WSBC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 29, 2025	$31.82	$30.51	-4.12%
Apr 29, 2025	$29.55	$29.42	-0.44%
Jan 22, 2025	$31.00	$32.65	+5.32%
Oct 23, 2024	$29.73	$29.34	-1.31%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does WesBanco Inc (WSBC) report earnings?

WesBanco Inc (WSBC) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is WesBanco Inc (WSBC) earnings time?

WesBanco Inc (WSBC) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is WSBC EPS forecast?

WSBC EPS forecast for the fiscal quarter 2025 (Q3) is 0.89.

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