WSBC Stock Analysis: WesBanco | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 3.685m USD | 12M Return: 25.6% | US9508101014 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 37.6M
EPS Trend: 71.2%
Qual. Beats: 1
Rev. Trend: 97.6%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
WesBanco, Inc. is a bank holding company that provides retail and corporate banking, trust and brokerage services, mortgage banking, and insurance products to individuals and businesses across multiple U.S. states. The company reports operations through two main segments: Community Banking and Trust and Investment Services. Its core activities include accepting deposits, originating commercial, residential, and consumer loans, selling mutual funds and annuities, and offering various insurance products.
As a regional bank, WesBanco generates revenue primarily through net interest income from its loan portfolio and deposit base, supplemented by fee-based income from trust, brokerage, and insurance operations. Founded in 1870 and headquartered in Wheeling, West Virginia, WesBanco operates a multi-state branch and ATM network spanning West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, Michigan, and Maryland. The company has been publicly traded on NASDAQ since 1995 under the ticker WSBC.
- Net interest margin compression pressures earnings amid rate cuts
- Commercial real estate loan portfolio drives interest income growth
- Premier Financial merger integration delivers cost synergies
| Net Income: 356.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.68 > 1.0 |
| NWC/Revenue: -1.16k% < 20% (prev 379.1%; Δ -1.54k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 396.1m > Net Income 356.0m |
| Net Debt (-3.56b) to EBITDA (479.9m): -7.43 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (96.7m) vs 12m ago 11.84% < -2% |
| Gross Margin: 68.66% > 18% (prev 59.28%; Δ 9.38% > 0.5%) |
| Asset Turnover: 5.47% > 50% (prev 4.19%; Δ 1.28% > 0%) |
| Interest Coverage Ratio: 0.97 > 6 (EBIT TTM 449.9m / Interest Expense TTM 464.4m) |
| A: -0.63 (Total Current Assets 5.41b - Total Current Liabilities 23.0b) / Total Assets 27.8b |
| B: 0.05 (Retained Earnings 1.35b / Total Assets 27.8b) |
| C: 0.02 (EBIT TTM 449.9m / Avg Total Assets 27.7b) |
| D: 0.17 (Book Value of Equity 4.11b / Total Liabilities 23.7b) |
| Altman-Z'' = -3.71 = D |
| DSRI: 0.73 (Receivables 102.3m/106.4m, Revenue 1.51b/1.16b) |
| GMI: 0.86 (GM 59.28% / 68.66%) |
| AQI: 0.96 (AQ_t 0.80 / AQ_t-1 0.83) |
| SGI: 1.31 (Revenue 1.51b / 1.16b) |
| TATA: -0.00 (NI 356.0m - CFO 396.1m) / TA 27.8b) |
| Beneish M = -3.17 (Cap -4..+1) = AA |
As of September 27, 2026, the stock is trading at USD 38.66 with a total of 792,569 shares traded. Over the past week, the price has changed by -1.80%, over one month by -3.68%, over three months by +1.22% and over the past year by +25.62%.
Current recommended Stop Loss: 37.70 (which is 2.5% or 1.2 ATR below the current price).
WesBanco has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy WSBC.
- StrongBuy: 3
- Buy: 2
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 44.5 | 15.1% |
P/E Trailing = 10.9148
P/E Forward = 9.7656
P/S = 3.5202
P/B = 0.9402
P/EG = 1.2274
Revenue TTM = 1.51b USD
EBIT TTM = 449.9m USD
EBITDA TTM = 479.9m USD
Long Term Debt = 1.66b USD (from longTermDebt, last quarter)
Short Term Debt = 1.44b USD (from shortTermDebt, last quarter)
Debt = 1.75b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.56b USD (calculated: Debt 1.75b - CCE 5.31b)
Enterprise Value = 120.6m USD (3.68b + Debt 1.75b - CCE 5.31b)
Interest Coverage Ratio = 0.97 (Ebit TTM 449.9m / Interest Expense TTM 464.4m)
EV/FCF = 0.32x (Enterprise Value 120.6m / FCF TTM 376.8m)
FCF Yield = 312.6% (FCF TTM 376.8m / Enterprise Value 120.6m)
FCF Margin = 24.88% (FCF TTM 376.8m / Revenue TTM 1.51b)
Net Margin = 23.50% (Net Income TTM 356.0m / Revenue TTM 1.51b)
Gross Margin = 68.66% ((Revenue TTM 1.51b - Cost of Revenue TTM 474.8m) / Revenue TTM)
Gross Margin QoQ = 68.89% (prev 69.63%)
Tobins Q-Ratio = 0.00 (Enterprise Value 120.6m / Total Assets 27.8b)
Interest Expense / Debt = 26.58% (Interest Expense 464.4m / Debt 1.75b)
Taxrate = 20.34% (90.9m / 446.9m)
NOPAT = 358.4m (EBIT 449.9m * (1 - 20.34%))
Current Ratio = 0.24 (Total Current Assets 5.41b / Total Current Liabilities 23.0b)
Debt / Equity = 0.43 (Debt 1.75b / totalStockholderEquity, last quarter 4.11b)
Debt / EBITDA = -7.43 (Net Debt -3.56b / EBITDA 479.9m)
Debt / FCF = -9.46 (Net Debt -3.56b / FCF TTM 376.8m)
Total Stockholder Equity = 4.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.29% (Net Income 356.0m / Total Assets 27.8b)
RoE = 8.72% (Net Income TTM 356.0m / Total Stockholder Equity 4.08b)
RoCE = 7.84% (EBIT 449.9m / Capital Employed (Equity 4.08b + L.T.Debt 1.66b))
RoIC = 5.85% (NOPAT 358.4m / Invested Capital 6.13b)
WACC = 12.24% (E(3.68b)/V(5.43b) * Re(8.01%) + D(1.75b)/V(5.43b) * Rd(26.58%) * (1-Tc(0.20)))
Discount Rate = 8.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 97.63 | Cagr: 24.07%
[DCF] Terminal Value 66.44% ; FCFF base≈301.0m ; Y1≈345.1m ; Y5≈507.8m
[DCF] Fair Price = 84.21 (EV 4.51b - Net Debt -3.56b = Equity 8.08b / Shares 95.9m; r=12.24% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 71.22 | EPS CAGR: 16.26% | SUE: 0.98 | # QB: 1
Revenue Correlation: 97.64 | Revenue CAGR: 30.32% | SUE: 0.86 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.88 | Chg30d=+0.14% | Revisions=-55% | Analysts=8
EPS current Year (2026-12-31): EPS=3.59 | Chg30d=+0.08% | Revisions=+0% | GrowthEPS=+5.5% | GrowthRev=+10.5%
EPS next Year (2027-12-31): EPS=3.87 | Chg30d=+0.00% | Revisions=-67% | GrowthEPS=+7.8% | GrowthRev=+7.0%
[Analyst] Revisions Ratio: -52% (up=4, down=16)