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Earnings transcript
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WSBC
WesBanco, Inc.
$36.86
0.27
(0.74%)
| Exchange: | NASDAQ |
| Market Cap: | 3.535B |
| Shares Outstanding: | 7.262M |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – RegionalView industry performance | |||||
| CEO: | Jeffrey H. Jackson | |||||
| Full Time Employees: | 2969 | |||||
| Address: |
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| Website: | https://www.wesbanco.com |
WesBanco, Inc. functions as the parent entity for WesBanco Bank, Inc., overseeing a comprehensive portfolio of financial services. These offerings encompass retail and corporate banking, trust administration for both individuals and businesses, brokerage activities, mortgage financing, and insurance provisions. The company organizes its operations into two distinct segments: Community Banking, and Trust and Investment Services. Its deposit product line is extensive, including various checking (demand) accounts for commercial and individual clients, money market accounts, interest-bearing and non-interest-bearing deposit options, savings accounts, and certificates of deposit (CDs). WesBanco also provides a broad spectrum of lending solutions. This includes financing for commercial real estate and industrial projects; residential property loans for home acquisition, construction, or refinancing; and home equity lines of credit. Furthermore, it offers installment loans for diverse needs, such as vehicle purchases (automobiles, trucks, motorcycles, boats, and recreational vehicles), home equity-backed installments, unsecured home improvement loans, and general revolving lines of credit, in addition to other commercial, mortgage, and individual installment lending. Beyond conventional banking, WesBanco delivers comprehensive trust and investment management services, featuring various investment vehicles like mutual funds and annuities, along with securities brokerage facilities. Through its specialized non-banking divisions, WesBanco, Inc. also operates an insurance agency focusing on property, casualty, life, and title insurance, alongside managing benefit plan sales and administration for both private and corporate clients. These subsidiaries engage in broker-dealer and discount brokerage activities, manage portfolios of investment securities and loans, own and lease commercial real estate properties, and serve as an investment advisor for a suite of mutual funds. As of December 31, 2021, WesBanco’s operational footprint extended to 206 branch locations and 203 ATMs situated across West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, and Maryland. Complementing these, seven loan production offices were maintained in West Virginia, Ohio, western Pennsylvania, Maryland, and northern Virginia. Established in 1870, WesBanco, Inc. maintains its corporate headquarters in Wheeling, West Virginia.
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Revenue Segmentation
WSBC full analysis
Welcome to MARKETSNAP’s SWOT analysis for WesBanco, a regional financial institution that might not be on everyone’s radar but definitely deserves a closer look if you’re hunting for value in the banking sector. I’m thrilled to dive into this one with you today, breaking down the strengths, weaknesses, opportunities, and threats for WesBanco, also known by its ticker WSBC. We’ll unpack everything from recent performance to key financials, and I’ll throw in some insights to help you see the bigger…
EPS
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Earnings Call
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Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 824,872 | 947,605 | 1,434,787 |
| Gross Profit | 576,960 | 580,966 | 902,965 |
| EBITDA | 208,484 | 200,402 | 302,482 |
| Operating Income | 194,049 | 185,114 | 282,297 |
| Net Income | 159,032 | 151,510 | 223,106 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 17,712,374 | 18,684,298 | 27,696,333 |
| Total Liabilities | 15,179,312 | 15,894,017 | 23,664,420 |
| Total Stockholders Equity | 2,533,062 | 2,790,281 | 4,031,913 |
| Total Debt | 1,734,971 | 1,471,381 | 110,679 |
| Cash and Cash Equivalents | 595,383 | 568,137 | 204,860 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 169,322 | 210,999 | 290,412 |
| Capital Expenditure | -22,506 | -10,613 | 0 |
| Free Cash Flow | 146,816 | 200,671 | 290,412 |
| Net Income | 159,032 | 151,510 | 223,105 |
| Net Change in Cash | 186,972 | -27,246 | 387,972 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,210,921.159 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 1,229,220.440 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 1,220,070.800 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 461,359.259 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 477,964.652 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 469,661.955 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 358,874.828 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 372,332.634 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 365,603.731 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 375,314.451 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 380,986.154 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 378,150.303 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 4.100 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 4.150 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 4 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 2 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 3 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance in Q2 2025: As highlighted in the latest earnings call transcript, WesBanco reported strong earnings for the second quarter of 2025, reflecting robust revenue and net income growth. This performance underscores the company's operational efficiency and ability to generate consistent returns, as supported by positive trends in key metrics such as roeTTM and netProfitMarginTTM.
- Successful Integration and Expansion: The earnings call summary notes the successful integration of Premier Financial, enhancing WesBanco’s market presence. Strategic expansions into new markets further bolster its competitive positioning within the industry, as evidenced by revenue growth in specific product and geographic segments.
- Stable Dividend Yield: With a competitive dividendYieldTTM, WesBanco offers an attractive return to income-focused investors. This is reinforced by consistent netDividendsPaid figures in the cash flow statements, demonstrating a commitment to shareholder value.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates WSBC intrinsic value between $1.54 – $3.39 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about WSBC valuation
Is WesBanco, Inc. (WSBC) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for WesBanco, Inc. (WSBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is WSBC a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether WSBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is WSBC’s P/E ratio?
You can see WSBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for WSBC?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is WSBC a good long-term investment?
Whether WSBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
WSBC
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Daily snapshot
0.74
Trading Metrics:
| Open: | 36.59 | Previous Close: | 36.59 | |
| Day Low: | 36.59 | Day High: | 37.03 | |
| Year Low: | 29.57 | Year High: | 43.02 | |
| Price Avg 50: | 40.04 | Price Avg 200: | 36.8 | |
| Volume: | 449747 | Average Volume: | 1.234M |
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