WSBC
WesBanco, Inc.
Banks - Regional
Market Cap$3.31B
5Y Perf.+60.8%
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Stock Comparison
WSBC vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$611.60B
5Y Perf.+63.3%
WSBC vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | WSBC | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $3.31B | $611.60B |
| Revenue (TTM) | $1.43B | $40.00B |
| Net Income (TTM) | $223M | $22.24B |
| Gross Margin | 62.9% | 80.4% |
| Operating Margin | 19.7% | 60.0% |
| Forward P/E | 9.6x | 24.4x |
| Total Debt | $1.66B | $25.17B |
| Cash & Equiv. | $205M | $20.15B |
WSBC vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
WSBC
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| WesBanco, Inc. (WSBC) | 100 | 160.8 | +60.8% |
| Visa Inc. (V) | 100 | 163.3 | +63.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: WSBC vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: WSBC leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Visa Inc. is the stronger pick specifically for profitability and margin quality and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
WSBC
WesBanco, Inc.
The Banking Pick
WSBC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.97, yield 4.1%
- Rev growth 51.4%, EPS growth 0.0%
- 51.4% NII/revenue growth vs V's 11.3%
Best for: income & stability and growth exposure
V
Visa Inc.
The Banking Pick
V is the clearest fit if your priority is long-term compounding and sleep-well-at-night.
- 328.6% 10Y total return vs WSBC's 48.6%
- Lower volatility, beta 0.68, Low D/E 66.4%, current ratio 1.08x
- PEG 1.54 vs WSBC's 1.92
Best for: long-term compounding and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | WSBC | 51.4% NII/revenue growth vs V's 11.3% |
| Value | WSBC | Lower P/E (9.6x vs 24.4x) |
| Quality / Margins | V | Efficiency ratio 0.2% vs WSBC's 0.4% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs WSBC's 0.97 |
| Dividends | WSBC | 4.1% yield, 15-year raise streak, vs V's 0.7% |
| Momentum (1Y) | WSBC | +19.2% vs V's -7.6% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs WSBC's 0.4% |
WSBC vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
WSBC vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLWSBCLAGGINGV
VVisa Inc.
2leads
WSBCWesBanco, Inc.
3leads
6 Total Categories
CATEGORYLEADERvs VMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
WSBC6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
WSBC4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
WSBC1/1
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
V is the larger business by revenue, generating $40.0B annually — 27.9x WSBC's $1.4B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to WSBC's 15.5%.
| Metric | WSBCWesBanco, Inc. | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $1.4B | $40.0B |
| EBITDAEarnings before interest/tax | $311M | $27.6B |
| Net IncomeAfter-tax profit | $223M | $22.2B |
| Free Cash FlowCash after capex | $262M | $21.2B |
| Gross MarginGross profit ÷ Revenue | +62.9% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +19.7% | +60.0% |
| Net MarginNet income ÷ Revenue | +15.5% | +50.1% |
| FCF MarginFCF ÷ Revenue | +19.5% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +24.3% | +35.3% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
WSBC leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 15.2x trailing earnings, WSBC trades at a 51% valuation discount to V's 31.3x P/E. Adjusting for growth (PEG ratio), V offers better value at 1.97x vs WSBC's 3.04x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | WSBCWesBanco, Inc. | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $3.3B | $611.6B |
| Enterprise ValueMkt cap + debt − cash | $4.8B | $616.6B |
| Trailing P/EPrice ÷ TTM EPS | 15.24x | 31.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.61x | 24.40x |
| PEG RatioP/E ÷ EPS growth rate | 3.04x | 1.97x |
| EV / EBITDAEnterprise value multiple | 15.32x | 24.46x |
| Price / SalesMarket cap ÷ Revenue | 2.31x | 15.29x |
| Price / BookPrice ÷ Book value/share | 0.77x | 16.53x |
| Price / FCFMarket cap ÷ FCF | 11.82x | 28.35x |
WSBC leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
V leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $6 for WSBC. WSBC carries lower financial leverage with a 0.41x debt-to-equity ratio, signaling a more conservative balance sheet compared to V's 0.66x. On the Piotroski fundamental quality scale (0–9), WSBC scores 8/9 vs V's 5/9, reflecting strong financial health.
| Metric | WSBCWesBanco, Inc. | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +5.7% | +58.9% |
| ROA (TTM)Return on assets | +0.8% | +22.7% |
| ROICReturn on invested capital | +4.3% | +29.2% |
| ROCEReturn on capital employed | +1.8% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 5 |
| Debt / EquityFinancial leverage | 0.41x | 0.66x |
| Net DebtTotal debt minus cash | $1.5B | $5.0B |
| Cash & Equiv.Liquid assets | $205M | $20.2B |
| Total DebtShort + long-term debt | $1.7B | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 0.62x | 26.72x |
V leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
WSBC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in V five years ago would be worth $14,202 today (with dividends reinvested), compared to $10,695 for WSBC. Over the past 12 months, WSBC leads with a +19.2% total return vs V's -7.6%. The 3-year compound annual growth rate (CAGR) favors WSBC at 18.5% vs V's 11.9% — a key indicator of consistent wealth creation.
| Metric | WSBCWesBanco, Inc. | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +4.4% | -7.8% |
| 1-Year ReturnPast 12 months | +19.2% | -7.6% |
| 3-Year ReturnCumulative with dividends | +66.3% | +40.2% |
| 5-Year ReturnCumulative with dividends | +7.0% | +42.0% |
| 10-Year ReturnCumulative with dividends | +48.6% | +328.6% |
| CAGR (3Y)Annualised 3-year return | +18.5% | +11.9% |
WSBC leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — WSBC and V each lead in 1 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than WSBC's 0.97 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. WSBC currently trades 90.4% from its 52-week high vs V's 84.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | WSBCWesBanco, Inc. | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.97x | 0.68x |
| 52-Week HighHighest price in past year | $38.10 | $375.51 |
| 52-Week LowLowest price in past year | $29.18 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +90.4% | +84.9% |
| RSI (14)Momentum oscillator 0–100 | 45.6 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 583K | 7.0M |
Evenly matched — WSBC and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
WSBC leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates WSBC as "Buy" and V as "Buy". Consensus price targets imply 20.5% upside for WSBC (target: $42) vs 13.7% for V (target: $362). For income investors, WSBC offers the higher dividend yield at 4.05% vs V's 0.74%.
| Metric | WSBCWesBanco, Inc. | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $41.50 | $362.45 |
| # AnalystsCovering analysts | 16 | 61 |
| Dividend YieldAnnual dividend ÷ price | +4.1% | +0.7% |
| Dividend StreakConsecutive years of raises | 15 | 15 |
| Dividend / ShareAnnual DPS | $1.40 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | +4.6% | +2.2% |
WSBC leads this category, winning 1 of 1 comparable metric.
Key Takeaway
WSBC leads in 3 of 6 categories (Valuation Metrics, Total Returns). V leads in 2 (Income & Cash Flow, Profitability & Efficiency). 1 tied.
Best OverallWesBanco, Inc. (WSBC)Leads 3 of 6 categories
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WSBC vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is WSBC or V a better buy right now?
For growth investors, WesBanco, Inc.
(WSBC) is the stronger pick with 51. 4% revenue growth year-over-year, versus 11. 3% for Visa Inc. (V). WesBanco, Inc. (WSBC) offers the better valuation at 15. 2x trailing P/E (9. 6x forward), making it the more compelling value choice. Analysts rate WesBanco, Inc. (WSBC) a "Buy" — based on 16 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — WSBC or V?
On trailing P/E, WesBanco, Inc.
(WSBC) is the cheapest at 15. 2x versus Visa Inc. at 31. 3x. On forward P/E, WesBanco, Inc. is actually cheaper at 9. 6x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Visa Inc. wins at 1. 54x versus WesBanco, Inc. 's 1. 92x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — WSBC or V?
Over the past 5 years, Visa Inc.
(V) delivered a total return of +42. 0%, compared to +7. 0% for WesBanco, Inc. (WSBC). Over 10 years, the gap is even starker: V returned +328. 6% versus WSBC's +48. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — WSBC or V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus WesBanco, Inc. 's 0. 97β — meaning WSBC is approximately 42% more volatile than V relative to the S&P 500. On balance sheet safety, WesBanco, Inc. (WSBC) carries a lower debt/equity ratio of 41% versus 66% for Visa Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — WSBC or V?
By revenue growth (latest reported year), WesBanco, Inc.
(WSBC) is pulling ahead at 51. 4% versus 11. 3% for Visa Inc. (V). On earnings-per-share growth, the picture is similar: Visa Inc. grew EPS 4. 8% year-over-year, compared to 0. 0% for WesBanco, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — WSBC or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 15. 5% for WesBanco, Inc. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 19. 7% for WSBC. At the gross margin level — before operating expenses — V leads at 80. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is WSBC or V more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Visa Inc. (V) is the more undervalued stock at a PEG of 1. 54x versus WesBanco, Inc. 's 1. 92x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, WesBanco, Inc. (WSBC) trades at 9. 6x forward P/E versus 24. 4x for Visa Inc. — 14. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for WSBC: 20. 5% to $41. 50.
08Which pays a better dividend — WSBC or V?
All stocks in this comparison pay dividends.
WesBanco, Inc. (WSBC) offers the highest yield at 4. 1%, versus 0. 7% for Visa Inc. (V).
09Is WSBC or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +328. 6% 10Y return). Both have compounded well over 10 years (V: +328. 6%, WSBC: +48. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between WSBC and V?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: WSBC is a small-cap high-growth stock; V is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(WSBC: 51.4% · V: 11.3%)Net Margin>
%
(WSBC: 15.5% · V: 50.1%)P/E Ratio<
x
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