WesBanco (WSBC) AI Stock Analysis

• Market Cap: $2.90B
• Dividend Yield: 4.94%
• Average Volume (3M): 703.62K
• Price to Earnings (P/E): 15.2
• Beta (1Y): 0.93
• Revenue Growth: 41.12%
• EPS Growth: -5.53%
• Country: US
• Employees: 3,205
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.94
• Shares Outstanding: 95,989,820
• 10 Day Avg. Volume: 535,988
• 30 Day Avg. Volume: 703,615
• 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: 1.44
• Enterprise Value/Revenue: 3.61
• Enterprise Value/Gross Profit: 6.09
• Enterprise Value/Ebitda: 22.52
• 1Y Price Target: $38.00
• Price Target Upside: 25.91% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 71 Outperform
• Price Target: $35.00 ▲(15.97% Upside)

WesBanco's overall stock score reflects strong earnings growth and strategic initiatives that enhance operational efficiency. While financial performance shows robust revenue and cash flow, challenges in profitability margins and leverage management persist. Technical analysis indicates mixed momentum, and valuation metrics suggest a fair market price with an attractive dividend yield.

Positive Factors

Revenue Growth

The robust revenue growth rate indicates WesBanco's ability to expand its market reach and enhance its service offerings, supporting long-term business sustainability.

Fee Income Growth

The substantial increase in fee income reflects WesBanco's successful diversification of revenue streams, reducing reliance on interest income and enhancing financial stability.

Efficiency Improvements

Improved efficiency ratios demonstrate WesBanco's effective cost management and integration strategies, which are crucial for maintaining competitive margins and operational excellence.

Negative Factors

Decline in Profitability Margins

The decline in profitability margins suggests increased costs or competitive pressures, potentially impacting WesBanco's ability to sustain long-term profitability.

Rising Noninterest Expenses

The significant rise in noninterest expenses could strain WesBanco's financial resources, affecting its ability to invest in growth initiatives and maintain profit margins.

Commercial Real Estate Payoffs

The substantial payoffs in commercial real estate loans present a challenge to WesBanco's loan growth strategy, potentially limiting future revenue opportunities.

WesBanco Business Overview & Revenue Model

Company Description

WesBanco, Inc. (WSBC) is a diversified financial services company headquartered in Wheeling, West Virginia. It operates primarily through its subsidiary, WesBanco Bank, providing a range of banking and financial services including commercial and retail banking, mortgage banking, investment management, and trust services. The company serves customers across several states in the Midwest and Mid-Atlantic regions, focusing on community banking and personalized service.

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: Negative
• Last Price: 30.18
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 30.18 is below the 20-day moving average (MA) of 31.83, below the 50-day MA of 31.94, and below the 200-day MA of 31.30, indicating a bearish trend. The MACD of -0.47 indicates Positive momentum. The RSI at 40.19 is Neutral, neither overbought nor oversold. The STOCH value of 22.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WSBC.

WesBanco Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBU	―	$2.96B	14.45	11.02%	3.30%	9.41%	20.61%
WSFS	―	$2.96B	10.93	10.27%	1.21%	-3.49%	―
WSBC	―	$2.90B	15.23	5.25%	4.94%	41.12%	-5.53%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BKU	―	$3.00B	11.39	9.04%	3.03%	-5.44%	45.47%
SFNC	―	$2.52B	-5.92	-12.42%	4.91%	-55.54%	-386.73%
MCHB	―	$2.99B	-1.84	-30.22%	―	-26.58%	-838.48%

WesBanco Corporate Events

WesBanco Completes Series B Preferred Stock Offering

WesBanco has recently completed an offering of Series B Preferred Stock, issuing 230,000 shares through an Underwriting Agreement with Keefe, Bruyette & Woods, Inc., RBC Capital Markets, LLC, and Raymond James & Associates, Inc. On September 17, 2025, these shares were deposited with Computershare Inc. and Computershare Trust Company, N.A., as part of a Deposit Agreement, marking a significant step in the company’s financial strategy.

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 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.

WesBanco Reports Strong Q2 2025 Earnings Growth

WesBanco, Inc. is a diversified, multi-state bank holding company based in Wheeling, West Virginia, offering a wide range of financial services including retail and commercial banking, trust, brokerage, wealth management, and insurance services across its eight-state footprint.

WesBanco’s Earnings Call Highlights Growth Amid Challenges

WesBanco’s recent earnings call painted a picture of robust financial health and strategic growth, tempered by some challenges. The company reported significant financial improvements, including the successful integration of Premier Financial and strategic expansion efforts, which suggest promising growth prospects. However, the decline in deposits and an increase in criticized loans pose potential hurdles moving forward.