WesBanco (WSBC) AI Stock Analysis

• Market Cap: $2.99B
• Dividend Yield: 4.59%
• Average Volume (3M): 415.05K
• Price to Earnings (P/E): 18.7
• Beta (1Y): 0.93
• Revenue Growth: 30.52%
• EPS Growth: -21.64%
• Country: US
• Employees: 3,205
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.91
• Shares Outstanding: 95,989,820
• 10 Day Avg. Volume: 422,888
• 30 Day Avg. Volume: 415,047
• 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: 1.67
• Enterprise Value/Revenue: 4.31
• Enterprise Value/Gross Profit: 7.27
• Enterprise Value/Ebitda: 26.87
• 1Y Price Target: $36.67
• Price Target Upside: 13.63% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 75 Outperform
• Price Target: $36.00 ▲(11.56% Upside)

WesBanco's strong financial performance, particularly in revenue growth and cash flow generation, is a key strength. The positive technical indicators and optimistic earnings call further support the stock's potential. However, challenges in maintaining profitability margins and managing increased leverage slightly temper the overall score.

Positive Factors

Revenue Growth

Robust revenue growth indicates effective market penetration and product demand, supporting long-term business expansion and financial stability.

Successful Acquisition and Integration

The successful integration of Premier Financial enhances WesBanco's market presence and operational scale, contributing to asset growth and efficiency improvements.

Cash Flow Generation

Strong cash flow generation provides WesBanco with the flexibility to invest in growth opportunities and maintain financial resilience, supporting long-term sustainability.

Negative Factors

Profitability Margin Decline

Declining profitability margins suggest rising costs or competitive pressures, which could impact long-term earnings potential and financial health.

Rising Leverage

Increased leverage can strain financial flexibility and elevate risk, potentially affecting WesBanco's ability to manage economic downturns or invest in growth.

Deposit Cost Management Challenges

Higher deposit costs can pressure net interest margins, affecting profitability and potentially limiting competitive pricing strategies in the long term.

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 through several key streams, primarily from net interest income, which is earned from the difference between the interest it pays on deposits and the interest earned on loans. The bank offers a variety of loan products including commercial loans, consumer loans, and mortgages, contributing significantly to its interest income. Additionally, WesBanco earns non-interest income from fees associated with deposit accounts, ATM transactions, wealth management services, and investment advisory services. The company also benefits from strategic partnerships, such as those with mortgage lenders and investment firms, which enhance its service offerings and revenue potential. Overall, the combination of interest income from loans and diverse fee-based services forms the backbone of WesBanco's revenue model.

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	1.16B	947.61M	824.87M	625.14M	609.51M	661.10M
Gross Profit	685.27M	580.97M	576.96M	587.46M	646.75M	491.56M
EBITDA	185.46M	200.40M	208.48M	249.44M	315.24M	159.21M
Net Income	135.32M	151.51M	159.03M	192.11M	242.26M	122.04M
Balance Sheet
Total Assets	27.57B	18.68B	17.71B	16.93B	16.93B	16.43B
Cash, Cash Equivalents and Short-Term Investments	1.41B	780.73M	2.79B	2.94B	4.26B	2.88B
Total Debt	2.21B	1.47B	1.73B	1.12B	458.67M	983.24M
Total Liabilities	23.75B	15.89B	15.18B	14.51B	14.23B	13.67B
Stockholders Equity	3.82B	2.79B	2.53B	2.43B	2.69B	2.76B
Cash Flow
Free Cash Flow	187.27M	200.67M	146.82M	196.15M	327.76M	52.05M
Operating Cash Flow	206.80M	211.00M	169.32M	204.14M	336.30M	59.61M
Investing Cash Flow	-237.91M	-1.03B	-535.22M	-1.07B	-328.50M	57.79M
Financing Cash Flow	701.35M	791.90M	552.87M	21.07M	338.11M	553.25M

WesBanco Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 32.27
• 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 Positive. The current price of 32.27 is above the 20-day moving average (MA) of 32.02, above the 50-day MA of 31.38, and above the 200-day MA of 31.36, indicating a bullish trend. The MACD of 0.14 indicates Positive momentum. The RSI at 56.60 is Neutral, neither overbought nor oversold. The STOCH value of 70.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WSBC.

WesBanco Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBU	78 Outperform	3.20B	16.94	10.34%	3.05%	11.95%	14.53%
WSBC	75 Outperform	$2.99B	18.73	4.25%	4.59%	30.52%	-21.64%
WSFS	73 Outperform	3.10B	12.26	9.95%	1.15%	0.30%	1.46%
BKU	72 Outperform	2.93B	11.59	8.74%	3.08%	-2.80%	51.85%
SFNC	71 Outperform	2.90B	16.05	4.51%	4.22%	-0.30%	6.05%
MCHB	46 Neutral	3.00B	-1.85	1.26%	―	-26.58%	-838.48%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

WesBanco Corporate Events

WesBanco Announces $230 Million Public Offering

On September 10, 2025, Wesbanco Inc. announced the pricing of a $230 million public offering of 9,200,000 depositary shares, each representing a 1/40th interest in a share of 7.375% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B. The offering is expected to close on September 17, 2025, with proceeds intended for redeeming outstanding Series A Preferred Stock and 2030 Notes, as well as for general corporate purposes. This strategic financial move is aimed at optimizing Wesbanco’s capital structure and supporting its ongoing operations and growth initiatives.

The most recent analyst rating on (WSBC) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on WesBanco stock, see the WSBC Stock Forecast page.

WesBanco Completes Merger with Premier Financial

WesBanco, Inc. has announced the completion of its merger with Premier Financial Corp., effective February 28, 2025. This strategic acquisition is expected to enhance WesBanco’s financial position by integrating Premier Financial’s assets and liabilities at fair value, although the actual financial impact will be determined as of the merger’s effective date. The pro forma financial statements provided are for informational purposes and do not necessarily reflect the future financial results of the combined entity.

The most recent analyst rating on (WSBC) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on WesBanco stock, see the WSBC Stock Forecast page.

WesBanco Highlights Q3 2025 Investor Presentation

WesBanco has announced its Q3 2025 investor presentation, highlighting its strong market presence and diversified business model. The company emphasizes its strategic growth through mergers, such as with Premier, and its focus on maintaining competitive advantages in the financial services industry. The presentation outlines potential risks and uncertainties, including economic conditions and regulatory changes, while also showcasing WesBanco’s commitment to leveraging digital capabilities and maintaining a relationship-focused model to drive customer value and shareholder returns.

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.