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EarningsQ2 2026 Earnings Report
WSBC Q2 2026 EPS Results
Actual EPS$0.92
Consensus EPS$0.85
Beat/MissBeat by +$0.07
One Year Ago EPS$0.91
WSBC Q2 2026 Revenue Results
Actual Revenue$384.32M
Expected Revenue$267.71M
Beat/MissBeat by +$116.61M
YoY Revenue Growth+1.24%
Earnings Announcement Details
QuarterQ2 2026
Date07/21/2026
TimeAfter Close
Conference CallTuesday, July 21, 2026
WSBC Upcoming Earnings
WesBanco's next earnings date is estimated for October 21, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
WSBC Q2 2026 Earnings Call
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Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
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.Company Guidance
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.
Significant Pre-Tax, Pre-Provision Expansion
Year-to-date pre-tax, pre-provision earnings of $242 million, a 24% increase year-over-year, demonstrating improved core profitability.
Return and Efficiency Improvements
Second quarter returns: 1.3% return on average assets and 17.3% return on tangible common equity; efficiency ratio improved to a record low of 51%.
Loan Growth Momentum
Total portfolio loans increased 3.5% year-over-year and 8.3% annualized sequentially; commercial & industrial (C&I) lending grew 5% year-over-year and nearly 25% quarter-over-quarter annualized; record loan production of nearly $2.5 billion in the first six months (about $1 billion more than same period last year).
Record Commercial Pipeline and Expansion Traction
Commercial pipeline reached a record $2.3 billion, up more than 40% from the prior quarter and 90% since year-end; early results from Florida expansion (Palm Beach, Broward, Naples LPO) contributed ~10% of the commercial pipeline and $200 million in loans within ~90 days of operation.
Deposit and Funding Position
Deposits increased 2.1% year-over-year to $21.6 billion; total deposit funding costs declined 6 basis points year-over-year to 178 basis points, aiding margin stability.
Non-Interest Income and Wealth Momentum
Non-interest income of $54 million increased $9.7 million (22% year-over-year), driven by higher net swap/valuation income, service charges, and other income; trust and securities brokerage assets reached a record nearly $11 billion.
Capital Strength and Capital Return
CET1 ratio at 10.7% (within targeted 10.5%-11% range), enabling repurchase of ~300,000 shares during the quarter while maintaining capital flexibility; management modeling TBV growth of ~$0.70-$0.80 per quarter.
Net Interest Margin and Repricing Tailwinds
Second quarter NIM was 3.63%, up 4 basis points year-over-year and 6 basis points sequentially; management expects NIM to be roughly stable around the 3.60% range for the remainder of 2026 due to asset repricing and securities reinvestment.
WSBC Earnings History
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