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WesBanco
(NASDAQ:WSBC)
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Rating:77Outperform
Price Target:
$47.00
▲(13.94% Upside)
Action:Reiterated
Date:07/31/26
WSBC’s score is driven primarily by improving financial performance (strong recent revenue/earnings momentum and healthier leverage) and a constructive earnings outlook (stable NIM guidance, strong pipeline, and solid capital levels). Supportive valuation (moderate P/E and solid dividend yield) and a positive price trend add to the rating, while margin/cash-flow variability and identified near-term banking headwinds (CRE payoffs, deposit dynamics, and credit watch items) temper the overall score.
Positive Factors
Loan growth & pipeline
A record $2.3B commercial pipeline and ~ $2.5B YTD production provide durable underwriting momentum and revenue visibility. This expanding originations base supports mid-single-digit loan growth guidance, helps offset payoffs, and should sustain net interest income and fee streams over the next several quarters.
Negative Factors
Elevated CRE payoffs
Large CRE and other payoffs have materially reduced loan balances and act as a multi-quarter growth headwind. If new production and pipeline conversion lag, recurring interest income will be pressured and growth targets may require higher-cost funding or more aggressive origination, affecting margins and earnings durability.
Read all positive and negative factors
Positive Factors
Negative Factors
Loan growth & pipeline
A record $2.3B commercial pipeline and ~ $2.5B YTD production provide durable underwriting momentum and revenue visibility. This expanding originations base supports mid-single-digit loan growth guidance, helps offset payoffs, and should sustain net interest income and fee streams over the next several quarters.
Read all positive factors
WesBanco Key Performance Indicators (KPIs)
Any
Income Before Taxes by Segment
Reports pre-tax profitability across segments, showing operating performance before tax impact and revealing where growth, expense control, or credit provisions are boosting or eroding earnings potential.
Reports pre-tax profitability across segments, showing operating performance before tax impact and revealing where growth, expense control, or credit provisions are boosting or eroding earnings potential.
Data provided by:
The Fly
The FlyWesBanco (WSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.99B
Dividend Yield3.65%
Average Volume (3M)1.81M
Price to Earnings (P/E)11.8
Beta (1Y)0.84
Revenue Growth31.11%
EPS Growth107.51%
CountryUS
Employees2,969
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.51
Shares Outstanding95,869,210
10 Day Avg. Volume1,175,051
30 Day Avg. Volume1,810,224
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)0.74
Price to Sales (P/S)2.08
P/FCF Ratio10.64
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$43.75Price Target Upside6.06% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)3.58
Revenue Forecast (FY)$1.09B
WesBanco Business Overview & Revenue Model
Company Description
WesBanco, Inc. functions as the parent entity for WesBanco Bank, Inc., overseeing a comprehensive portfolio of financial services. These offerings encompass retail and corporate banking, trust administration for both individuals and businesses, br...
How the Company Makes Money
WesBanco makes money primarily through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest collected on interest-earning assets—most notably commercial loans, real estate loans (includ...
WesBanco Earnings Call Summary
Earnings Call Date:Jul 21, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 28, 2026
Earnings Call Sentiment Positive
The call conveyed broad momentum: multiple record and near-record metrics (pipeline, loan production, fee income, trust/brokerage assets) and improved profitability and efficiency drove a positive operational narrative. Management acknowledged near-term headwinds from elevated CRE payoffs, branch closures and localized credit watch items but provided clear mitigation plans and guidance expecting payoffs to taper, mid-single digit loan growth for 2026, and stable margins. Strategic investments (South Florida and other expansion markets) are increasing expenses modestly but appear to be translating into rapid organic loan and fee growth. Overall, the positives — strong growth, capital adequacy, margin stability, and pipeline strength — outweigh the manageable lowlights.Positive Updates
Strong Earnings and EPS Growth
Reported Q2 net income available to common shareholders of $89 million (ex-merger/restructuring items) or $0.92 diluted EPS; year-to-date EPS increased 14% to $1.83.
Negative Updates
Elevated CRE Payoffs Creating Growth Headwind
CRE and other loan payoffs totaled approximately $345 million in Q2 and more than $1.3 billion over the last 12 months, creating an estimated ~1% headwind to year-over-year loan growth (management expects payoffs to taper in H2, with Q3 payoffs ~two-thirds of Q2 level).
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Earnings and EPS Growth
Reported Q2 net income available to common shareholders of $89 million (ex-merger/restructuring items) or $0.92 diluted EPS; year-to-date EPS increased 14% to $1.83.
Read all positive updates
Company Guidance
Management guided to mid‑single‑digit loan growth for 2026, expecting to outgrow payoffs (Q2 payoffs ~$345M; >$1.3B in last 12 months; Q3 payoffs modeled at ~2/3 of Q2) driven by a record $2.3B commercial pipeline (up >40% QoQ, +90% since year‑end; Florida ~10% of pipeline) and YTD loan production of nearly $2.5B (≈$1B more YoY); they expect NIM to remain roughly 3.60% for the rest of the year (Q2 margin 3.63%), supported by securities cash flows of about $250M/quarter to reinvest (from ~3.30% to ~5.10%) and $3.3B of fixed‑rate commercial loans (WA 5.01%) with ~$450M maturing at a 4.17% WA, while deposit funding cost is ~178 bps and deposits were $21.6B (+2.1% YoY); capital guidance holds CET1 in the 10.5%–11% target (10.7% at 6/30 and expected to stay ~10.7%), buybacks to be opportunistic (300k shares repurchased in Q2), quarterly expense run‑rate ~ $153M (marketing ≈$5M/quarter; higher salaries for expansion), quarterly fee income growth of 3%–5% YoY with gross commercial swap fees expected $8M–$10M, and other targets including YTD pre‑tax, pre‑provision earnings $242M (+24% YoY), YTD EPS $1.83 (+14% YoY), Q2 adj EPS $0.92, efficiency ratio ~51%, ROTCE 17.3%, ROA 1.3%, allowance 1.12% ($218M), charge‑offs 2 bps, and a full‑year effective tax rate of ~21%.WesBanco Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.51B | 1.43B | 947.61M | 824.87M | 625.14M | 609.51M |
| Gross Profit | 1.04B | 902.97M | 580.97M | 576.96M | 587.46M | 646.75M |
| EBITDA | 472.74M | 311.37M | 200.40M | 208.48M | 249.44M | 315.24M |
| Net Income | 356.00M | 223.11M | 151.51M | 159.03M | 192.11M | 242.26M |
Balance Sheet | ||||||
| Total Assets | 27.80B | 27.70B | 18.68B | 17.71B | 16.93B | 16.93B |
| Cash, Cash Equivalents and Short-Term Investments | 5.31B | 204.86M | 780.73M | 2.79B | 2.94B | 4.26B |
| Total Debt | 1.75B | 1.66B | 1.47B | 1.73B | 1.12B | 458.67M |
| Total Liabilities | 23.69B | 23.66B | 15.89B | 15.18B | 14.51B | 14.23B |
| Stockholders Equity | 4.11B | 4.03B | 2.79B | 2.53B | 2.43B | 2.69B |
Cash Flow | ||||||
| Free Cash Flow | 376.84M | 279.99M | 200.67M | 146.82M | 196.15M | 327.76M |
| Operating Cash Flow | 396.07M | 290.41M | 211.00M | 169.32M | 204.14M | 336.30M |
| Investing Cash Flow | -560.23M | -71.01M | -1.03B | -535.22M | -1.07B | -328.50M |
| Financing Cash Flow | -121.10M | 168.57M | 791.90M | 552.87M | 21.07M | 338.11M |
WesBanco Technical Analysis
Positive
41.25
Price Trends
37.71
Positive
35.81
Positive
34.31
Positive
Market Momentum
1.08
Positive
65.88
Neutral
78.38
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WSBC, the sentiment is Positive. The current price of 41.25 is above the 20-day moving average (MA) of 40.32, above the 50-day MA of 37.71, and above the 200-day MA of 34.31, indicating a bullish trend. The MACD of 1.08 indicates Positive momentum. The RSI at 65.88 is Neutral, neither overbought nor oversold. The STOCH value of 78.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WSBC.
WesBanco Risk Analysis
WesBanco disclosed 31 risk factors in its most recent earnings report. WesBanco reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
WesBanco Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $4.15B | 13.46 | 11.75% | 0.89% | -0.14% | ― | |
77 Outperform | $3.99B | 11.79 | 8.72% | 3.66% | 31.11% | 107.51% | |
77 Outperform | $3.42B | 15.04 | 11.34% | 2.80% | 6.69% | 17.23% | |
77 Outperform | $5.51B | 13.43 | 10.12% | 8.35% | 211.11% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $3.40B | -7.86 | -10.21% | 3.69% | -56.95% | -299.45% | |
60 Neutral | $3.35B | 12.92 | 9.04% | 2.75% | -5.21% | 6.73% |
* Financial Sector Average
WSBC
WesBanco
41.38
13.16
46.65%
BKU
BankUnited
46.65
11.90
34.25%
CBU
Community Bank System
64.81
14.92
29.91%
MCHB
Mechanics Bancorp Class A
16.79
4.98
42.19%
SFNC
Simmons 1st Nat'l
23.59
5.36
29.39%
WSFS
Wsfs Financial
80.20
27.07
50.94%
WesBanco Corporate Events
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
WesBanco Outlines Executive Transition for Chief Risk Officer
Neutral
Jun 4, 2026
On January 22, 2026, WesBanco, Inc. disclosed that Senior Executive Vice President and Chief Risk Officer Michael L. Perkins would retire effective June 30, 2026, and on June 3, 2026, the company finalized an Executive Transition and Consulting Ag...
Business Operations and StrategyStock Buyback
WesBanco Expands Stock Repurchase Authorization, Boosting Capital Flexibility
Positive
May 20, 2026
On May 20, 2026, WesBanco announced that its board approved a 4.0 million share increase to the stock repurchase program first authorized on February 24, 2022, which had about 0.9 million shares remaining as of March 31, 2026. The expanded authori...
Business Operations and StrategyFinancial Disclosures
WesBanco Outlines Deposit-Funded Growth and Efficiency Strategy
Positive
May 4, 2026
In an investor presentation for the second quarter of 2026, WesBanco outlined a growth strategy built on a 150-year record of profitability, a robust low-cost deposit base and strong capital levels that support lending and expansion across economi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.