Full text
Earnings transcript
Read the complete earnings call transcript.
WSBC
WesBanco, Inc.
$34.7
0.17
(0.49%)
| Exchange: | NASDAQ |
| Market Cap: | 3.335B |
| Shares Outstanding: | 7.262M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Jeffrey H. Jackson | |||||
| Full Time Employees: | 3205 | |||||
| Address: |
| |||||
| Website: | https://www.wesbanco.com |
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.
Click to read more…
Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
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 | 311,366 |
| 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 | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,161,857.747 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,181,550.252 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,171,704 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 371,202.159 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 377,493.721 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 374,347.940 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 332,373.716 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 365,955.428 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 349,164.572 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 360,107.675 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 366,211.195 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 363,159.435 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.960 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 4.080 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.700 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 6 | Full Access | Full Access | Full Access | Full Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
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.
Log in with Full Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates WSBC intrinsic value between $32.86 – $47.13 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.
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
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.49
Trading Metrics:
| Open: | 33.96 | Previous Close: | 34.53 | |
| Day Low: | 33.92 | Day High: | 34.83 | |
| Year Low: | 26.42 | Year High: | 38.1 | |
| Price Avg 50: | 35.06 | Price Avg 200: | 32.93 | |
| Volume: | 446398 | Average Volume: | 581479 |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's freeWSBC 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…
