WSBC

WesBanco, Inc.

Fundamental data last updated:May 12, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

08/04/2026

Business Summary

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.

 


VALUATION

P/E

10.06

Market Cap ($M USD)

$3.23B

Forward P/E

8.52

PEG

0.47

PRICE TO SALES

2.14

PRICE TO BOOK

0.79

EV / EBITDA

10.30

5-Year Average P/E

Free Cash Flow Yield

12.36%

DCF Value

$69.26

Graham Number

$56.40

Price to FCF

8.09

EV to FCF

11.05

Earnings Yield

9.94%

FCF Yield

12.36%

DIVIDEND

Yield

4.47%

Annual Payout

$1.50

Payout Ratio

48.16%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$3.34

Next Year EPS Growth Estimate

$3.94

Next Year Revenue Growth Estimate

$117.17B

Return on Equity (ROE)

8.00%

FREE CASH FLOW

Operating Margin

26.75%

Debt-to-Equity

0.41

Piotroski F-Score

8

Altman Z-Score

0.26

Return on Invested Capital (ROIC)

1.47%

Current Ratio

2.80

Quick Ratio

2.80

Net Debt to EBITDA

2.76

Interest Coverage

0.85

Gross Profit margin

68.33%

FCF PER SHARE

$4.15

REVENUE PER SHARE

$15.69

Gainseekers Quantitative Analysis

Summary

WesBanco, Inc. appears to be a compelling deep value play. Recent pricing indicated it traded significantly below its DCF Value and Graham Number, suggesting a market mispricing. The Forward P/E of 8.69 and an Earnings Yield of 9.75% highlight its attractive valuation. However, the Altman Z-score of 0.26 raises red flags about financial distress risk. Despite these concerns, the stock’s valuation metrics suggest potential upside if the market corrects its current pricing inefficiencies.

AI Exposure / Tech Reliance

Operating within the regional banking sector, WesBanco is moderately positioned to adapt to AI and tech shifts. While banks are increasingly leveraging AI for risk management and customer service, regional banks like WesBanco may lag behind larger institutions in tech adoption. However, their focus on community banking could offer a personalized edge that tech alone can't replicate.

The Bull Case

For the value-driven investor, WesBanco shines with a Piotroski F-Score of 8, indicating strong financial health. Its Free Cash Flow Yield of 12.12% and robust operating margin of 26.75% suggest efficient capital management and pricing power. The company's ability to generate cash efficiently, coupled with a reasonable ROIC of 1.47%, paints a picture of a bank that knows how to leverage its assets for growth. These metrics make it an attractive candidate for those seeking undervalued opportunities with solid fundamentals.

The Bear Case

Despite its strengths, WesBanco faces significant structural risks. The Altman Z-score is alarmingly low, hinting at potential financial instability. Additionally, the stock's Price/Book ratio of 0.81, while seemingly low, may reflect underlying asset quality concerns. The interest coverage ratio of 0.85 is troubling, indicating potential difficulties in meeting interest obligations. These factors, combined with a net debt to EBITDA ratio of 2.76, suggest that the company must navigate carefully to avoid liquidity issues.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$41.50

Institutional Ownership %

1-Year Beta

0.71

Insider Buying % (6 Mo)

Distance to 52-Week High

13.47%

Distance to 52-Week Low

13.09%

EARNINGS SURPRISE %

5.81%

50-DAY SMA

$34.46

200-DAY SMA

$33.28

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.