WesBanco (WSBC) AI Stock Analysis

• Market Cap: $3.25B
• Dividend Yield: 4.35%
• Average Volume (3M): 479.03K
• Price to Earnings (P/E): 17.0
• Beta (1Y): 0.77
• Revenue Growth: 41.49%
• EPS Growth: -5.53%
• Country: US
• Employees: 3,205
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.94
• Shares Outstanding: 96,045,350
• 10 Day Avg. Volume: 378,978
• 30 Day Avg. Volume: 479,032
• PEG Ratio: -1.35
• Price to Book (P/B): 0.73
• Price to Sales (P/S): 2.15
• P/FCF Ratio: 10.15
• Enterprise Value/Market Cap: 1.52
• Enterprise Value/Revenue: 3.81
• Enterprise Value/Gross Profit: 6.20
• Enterprise Value/Ebitda: 19.78
• 1Y Price Target: $39.00
• Price Target Upside: 16.18% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $38.00 ▲(13.20% Upside)

WesBanco's strong financial performance, highlighted by robust revenue and cash flow growth, is complemented by positive technical indicators and strategic initiatives. The earnings call reinforced the company's growth potential, despite some challenges. The valuation is reasonable, with an attractive dividend yield, making it a compelling investment in the regional banking sector.

Positive Factors

Revenue Growth

Consistent revenue growth indicates robust business expansion and market penetration, supporting long-term financial health and competitiveness.

Efficiency Improvements

Improved efficiency ratio reflects effective cost management and operational synergies, enhancing profitability and long-term sustainability.

Dividend Increase

Increasing dividends demonstrate strong capital position and commitment to returning value to shareholders, signaling confidence in future earnings.

Negative Factors

Declining Profit Margins

Decreasing profit margins suggest rising costs or pricing pressures, which could impact profitability and require strategic adjustments.

Higher Noninterest Expenses

Rising noninterest expenses could strain profitability and cash flow, necessitating improved cost controls to maintain financial stability.

Commercial Real Estate Payoffs

Significant payoffs in commercial real estate loans present growth headwinds, potentially affecting future loan portfolio expansion.

WesBanco Business Overview & Revenue Model

Company Description

WesBanco, Inc. operates as the bank holding company for WesBanco Bank, Inc. that provides retail banking, corporate banking, personal and corporate trust, brokerage, and mortgage banking and insurance services. It operates in two segments, Community Banking, and Trust and Investment Services. The company offers commercial demand, individual demand, and time deposit accounts; money market accounts; interest bearing and non-interest bearing demand deposits, as well as savings deposits; and certificates of deposit. It also provides commercial real estate loans; commercial and industrial loans; residential real estate loans, including loans to purchase, construct, or refinance borrower's home; home equity lines of credit; installment loans to finance the purchase of automobiles, trucks, motorcycles, boats, and other recreational vehicles, as well as home equity installment loans, unsecured home improvement loans, and revolving lines of credit; and commercial, mortgage, and individual installment loans. In addition, the company offers trust and investment services, as well as various investment products comprising mutual funds and annuities; and securities brokerage services. Further, WesBanco, Inc., through its non-banking subsidiaries, acts as an agency that specializes in property, casualty, life, and title insurance, as well as benefit plan sales and administration to personal and commercial clients; provides broker dealer and discount brokerage services; holds investment securities and loans; and holds and leases commercial real estate properties, as well as acts as an investment adviser to a family of mutual funds. As of December 31, 2021, it operated 206 branches and 203 ATMs in West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, and Maryland, as well as seven loan production offices in West Virginia, Ohio, western Pennsylvania, Maryland, and northern Virginia. WesBanco, Inc. was founded in 1870 and is headquartered in Wheeling, West Virginia.

How the Company Makes Money

WesBanco generates revenue primarily through its interest income, which comes from loans and leases extended to customers, as well as from investments in securities. The company's key revenue streams include net interest income from traditional banking operations, fees and commissions from wealth management services, mortgage origination fees, and service charges on deposit accounts. Additionally, WesBanco earns income from its investment and trust services, which cater to both individual and institutional clients. The bank also benefits from strategic partnerships with various financial service providers, enhancing its product offerings and customer reach, thereby contributing to its overall earnings.

WesBanco Financial Statement Overview

Summary

WesBanco demonstrates strong revenue growth and cash flow generation, but faces challenges in maintaining profitability margins and managing increased leverage. The company shows resilience in cash flow management, which is crucial for sustaining operations and funding future growth.

Income Statement

WesBanco's income statement shows a strong revenue growth rate of 14.47% in the TTM period, indicating robust top-line expansion. However, there is a noticeable decline in profitability margins, with the net profit margin decreasing from 19.28% in 2023 to 11.70% in the TTM period. This suggests increased costs or competitive pressures. The gross profit margin also decreased, indicating potential challenges in maintaining cost efficiency.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio of 0.58 in the TTM period, which is manageable but has increased from previous years, indicating rising leverage. The return on equity has declined to 4.10%, suggesting reduced efficiency in generating returns from equity. The equity ratio remains stable, showing a solid capital structure.

Cash Flow

WesBanco's cash flow statement highlights a significant improvement in free cash flow growth at 73.32% in the TTM period, indicating strong cash generation capabilities. The operating cash flow to net income ratio of 1.99 suggests effective cash conversion. However, the free cash flow to net income ratio has slightly decreased, indicating potential reinvestment or increased capital expenditures.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.30B	947.61M	824.87M	625.14M	609.51M	661.10M
Gross Profit	798.97M	580.97M	576.96M	587.46M	646.75M	491.56M
EBITDA	250.44M	200.40M	208.48M	249.44M	315.24M	159.21M
Net Income	181.63M	151.51M	159.03M	192.11M	242.26M	122.04M
Balance Sheet
Total Assets	27.52B	18.68B	17.71B	16.93B	16.93B	16.43B
Cash, Cash Equivalents and Short-Term Investments	1.24B	780.73M	2.79B	2.94B	4.26B	2.88B
Total Debt	1.75B	1.47B	1.73B	1.12B	458.67M	983.24M
Total Liabilities	23.40B	15.89B	15.18B	14.51B	14.23B	13.67B
Stockholders Equity	4.12B	2.79B	2.53B	2.43B	2.69B	2.76B
Cash Flow
Free Cash Flow	245.26M	200.67M	146.82M	196.15M	327.76M	52.05M
Operating Cash Flow	262.93M	211.00M	169.32M	204.14M	336.30M	59.61M
Investing Cash Flow	-122.81M	-1.03B	-535.22M	-1.07B	-328.50M	57.79M
Financing Cash Flow	247.22M	791.90M	552.87M	21.07M	338.11M	553.25M

WesBanco Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 33.57
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WSBC, the sentiment is Neutral. The current price of 33.57 is below the 20-day moving average (MA) of 34.27, above the 50-day MA of 32.64, and above the 200-day MA of 31.01, indicating a neutral trend. The MACD of 0.28 indicates Positive momentum. The RSI at 48.34 is Neutral, neither overbought nor oversold. The STOCH value of 47.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for WSBC.

WesBanco Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WSBC	78 Outperform	$3.25B	17.05	5.25%	4.35%	41.49%	-5.53%
CBU	78 Outperform	$3.21B	15.52	11.01%	3.14%	9.41%	20.64%
WSFS	78 Outperform	$3.05B	11.50	10.27%	1.16%	-3.62%	10.83%
BKU	74 Outperform	$3.34B	12.55	9.04%	2.71%	-5.44%	45.47%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MCHB	67 Neutral	$3.18B	-2.11	-4.65%	1.49%	-1.40%	-420.27%
SFNC	55 Neutral	$2.74B	-6.37	-12.42%	4.41%	-55.53%	-387.04%

WesBanco Corporate Events

WesBanco Increases Quarterly Dividend by 2.7%

WesBanco, Inc. announced a 2.7% increase in its quarterly cash dividend to $0.38 per common share, payable on January 2, 2026, to shareholders of record on December 5, 2025. This marks the nineteenth dividend increase since 2010, reflecting the company’s strong capital position and net income, and results in a dividend yield of approximately 5.0% based on the recent stock price.

The most recent analyst rating on (WSBC) stock is a Buy with a $35.00 price target. To see the full list of analyst forecasts on WesBanco stock, see the WSBC Stock Forecast page.

WesBanco Highlights Q4 2025 Investor Presentations

WesBanco has announced its Q4 2025 investor presentations, highlighting its strong market presence and diversified revenue streams. The company emphasizes its strategic growth through disciplined credit and risk management, leveraging digital capabilities, and maintaining a focus on shareholder returns. The merger with Premier and the associated synergies are expected to enhance its competitive positioning, although there are risks related to economic conditions and regulatory changes.

The most recent analyst rating on (WSBC) stock is a Buy with a $35.00 price target. To see the full list of analyst forecasts on WesBanco stock, see the WSBC Stock Forecast page.