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WSBC logoWesBanco, Inc.(WSBC)Earnings, Financials & Key Ratios

WSBC•NASDAQ•Banking & Credit
$34.44
$3.31B mkt cap·15.2× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutWesBanco, 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.Show more
  • Net Interest Income$814M+70.3%
  • Total Revenue$1.43B+51.4%
  • Net Income$223M+47.3%
  • Return on Equity6.54%+14.9%
  • Net Interest Margin2.94%+14.9%
  • Efficiency Ratio43.26%+3.6%
  • ROA0.96%+15.6%
  • Equity / Assets14.56%-2.5%
  • Book Value per Share44.94+0.9%
  • Tangible BV/Share25.73-3.2%
  • Debt/Equity0.41-21.7%
Technical→

WSBC Key Insights

WesBanco, Inc. (WSBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 43.3% efficiency ratio
  • ✓15 consecutive years of dividend growth
  • ✓Well capitalized: 14.6% equity/assets
  • ✓Healthy dividend yield of 4.1%
  • ✓Trading at only 0.8x book value

✗Weaknesses

  • ✗Shares diluted 43.2% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

WSBC Price & Volume

WesBanco, Inc. (WSBC) stock price & volume — 10-year historical chart

Loading chart...

WSBC Growth Metrics

WesBanco, Inc. (WSBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.77%
5 Years16.76%
3 Years31.91%
TTM-

Profit CAGR

10 Years10.7%
5 Years12.82%
3 Years5.11%
TTM47.26%

EPS CAGR

10 Years0.5%
5 Years5.01%
3 Years-9.21%
TTM-4.91%

Return on Capital

10 Years5.19%
5 Years5.28%
3 Years3.62%
Last Year1.83%

WSBC Recent Earnings

WesBanco, Inc. (WSBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 21, 2026
EPS
$0.91
Est $0.86
+5.8%
Revenue
$257M
Est $265M
-2.8%
Q1 2026
Jan 27, 2026
EPS
$0.84
Est $0.84
+0.0%
Revenue
$266M
Est $266M
+0.0%
Q4 2025
Oct 22, 2025
EPS
$0.94
Est $0.88
+6.6%
Revenue
$260M
Est $264M
-1.6%
Q3 2025
Jul 29, 2025
EPS
$0.91
Est $0.87
+4.6%
Revenue
$259M
Est $264M
-1.6%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.91vs $0.86+5.8%
$257Mvs $265M-2.8%
Q1 2026Jan 27, 2026
$0.84vs $0.84+0.0%
$266Mvs $266M+0.0%
Q4 2025Oct 22, 2025
$0.94vs $0.88+6.6%
$260Mvs $264M-1.6%
Q3 2025Jul 29, 2025
$0.91vs $0.87+4.6%
$259Mvs $264M-1.6%
Based on last 12 quarters of dataView full earnings history →

WSBC Peer Comparison

WesBanco, Inc. (WSBC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
UBSI logoUBSIUnited Bankshares, Inc.Direct Competitor6.11B43.7213.3712.33%8.6%0.17
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
FULT logoFULTFulton Financial CorporationDirect Competitor4.19B21.7910.485.03%11.6%0.37
IBCP logoIBCPIndependent Bank CorporationDirect Competitor696.01M33.8110.34-0.3%14.2%0.23
CTBI logoCTBICommunity Trust Bancorp, Inc.Direct Competitor1.2B66.2714.3815.23%11.22%0.42
HBAN logoHBANHuntington Bancshares IncorporatedProduct Competitor26.34B16.6411.974.38%10.04%0.76
RF logoRFRegions Financial CorporationProduct Competitor24.49B28.2112.322.51%11.29%0.26

Compare WSBC vs Peers

WesBanco, Inc. (WSBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for WSBC.

Scale Benchmark

vs V

Larger-name benchmark to compare WSBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, UBSI, NBTB, FULT

WSBC Income Statement

WesBanco, Inc. (WSBC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income290.3M347.24M399.9M479.48M457.93M474.31M481.34M478.21M814.3M
NII Growth %14.59%19.61%15.17%19.9%-4.49%3.58%1.48%-0.65%70.28%
Net Interest Margin %2.96%2.79%2.54%2.92%2.71%2.8%2.72%2.56%2.94%
Interest Income332.42M414.96M484.25M541.28M484.97M513.66M711.52M825.64M1.27B
Interest Expense42.13M67.72M84.35M61.8M27.03M39.34M230.18M347.43M457.64M
Loan Loss Provision9.99M7.76M11.2M107.74M-64.27M-1.66M17.73M19.21M74.18M
Non-Interest Income84.33M94.56M109.78M119.82M124.55M111.49M113.36M121.96M162.85M
Non-Interest Income %20.23%18.56%18.48%18.12%20.43%17.83%13.74%12.87%11.35%
Total Revenue
416.75M▲ 0%
509.51M▲ 22.3%
594.04M▲ 16.6%
661.1M▲ 11.3%
609.51M▼ 7.8%
625.14M▲ 2.6%
824.87M▲ 31.9%
947.61M▲ 14.9%
1.43B▲ 51.4%
Revenue Growth %14.71%22.26%16.59%11.29%-7.8%2.56%31.95%14.88%51.41%
Non-Interest Expense216.35M259.51M305.28M346.48M344.9M351.06M382.91M395.85M620.67M
Efficiency Ratio51.91%50.93%51.39%52.41%56.59%56.16%46.42%41.77%43.26%
Operating Income
148.29M▲ 0%
174.52M▲ 17.7%
193.21M▲ 10.7%
145.08M▼ 24.9%
301.85M▲ 108.1%
236.4M▼ 21.7%
194.05M▼ 17.9%
185.11M▼ 4.6%
282.3M▲ 52.5%
Operating Margin %35.58%34.25%32.53%21.95%49.52%37.82%23.52%19.53%19.68%
Operating Income Growth %26.02%17.69%10.71%-24.91%108.06%-21.68%-17.92%-4.6%52.5%
Pretax Income
148.29M▲ 0%
174.52M▲ 17.7%
193.21M▲ 10.7%
145.08M▼ 24.9%
301.85M▲ 108.1%
236.4M▼ 21.7%
194.05M▼ 17.9%
185.11M▼ 4.6%
279.24M▲ 50.8%
Pretax Margin %35.58%34.25%32.53%21.95%49.52%37.82%23.52%19.53%19.46%
Income Tax53.81M31.41M34.34M23.04M59.59M44.29M35.02M33.6M56.13M
Effective Tax Rate %36.29%18%17.77%15.88%19.74%18.73%18.05%18.15%20.1%
Net Income
94.48M▲ 0%
143.11M▲ 51.5%
158.87M▲ 11.0%
122.04M▼ 23.2%
242.26M▲ 98.5%
192.11M▼ 20.7%
159.03M▼ 17.2%
151.51M▼ 4.7%
223.11M▲ 47.3%
Net Margin %22.67%28.09%26.74%18.46%39.75%30.73%19.28%15.99%15.55%
Net Income Growth %9.06%51.47%11.01%-23.18%98.5%-20.7%-17.22%-4.73%47.26%
Net Income (Continuing)94.48M143.11M158.87M122.04M242.26M192.11M159.03M151.51M223.11M
EPS (Diluted)
2.14▲ 0%
2.92▲ 36.4%
2.83▼ 3.1%
1.77▼ 37.5%
3.53▲ 99.4%
3.02▼ 14.4%
2.51▼ 16.9%
2.26▼ 10.0%
2.26▲ 0.0%
EPS Growth %-0.93%36.45%-3.08%-37.46%99.44%-14.45%-16.89%-9.96%0%
EPS (Basic)2.152.932.831.783.543.032.512.262.26
Diluted Shares Outstanding44.08M49.02M56.21M67.31M65.67M60.22M59.43M62.65M89.72M

WSBC Balance Sheet

WesBanco, Inc. (WSBC) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments1.39B2.28B2.63B2.88B4.26B2.94B2.79B780.73M204.86M
Cash & Due from Banks117.57M169.19M234.8M905.45M1.25B408.41M595.38M568.14M204.86M
Short Term Investments1.27B2.11B2.39B1.98B3.01B2.53B2.19B212.59M0
Total Investments8.59B10.75B13.52B13.49B13.67B14.38B14.93B15.95B24.42B
Investments Growth %0.65%25.19%25.72%-0.17%1.3%5.22%3.81%6.82%53.15%
Long-Term Investments7.33B8.64B11.12B11.52B10.66B11.85B12.74B15.74B24.42B
Accounts Receivables29.73M38.85M43.65M66.79M60.84M68.52M77.44M78.32M0
Goodwill & Intangibles589.26M918.85M1.15B1.16B1.15B1.14B1.13B1.12B1.72B
Goodwill573.95M861.88M1.07B1.1B1.1B1.1B1.1B1.1B1.58B
Intangible Assets15.32M56.97M80.43M66.33M54.87M44.59M35.51M27.25M141.1M
PP&E (Net)130.72M166.93M261.01M249.42M229.02M220.89M233.57M219.08M263.24M
Other Assets361.05M413.43M515.28M547.01M565.66M710.48M743.59M746.13M1.1B
Total Current Assets1.41B2.32B2.67B2.95B4.33B3.01B2.87B859.05M311.51M
Total Non-Current Assets8.41B10.14B13.05B13.48B12.6B13.93B14.85B17.83B27.38B
Total Assets
9.82B▲ 0%
12.46B▲ 26.9%
15.72B▲ 26.2%
16.43B▲ 4.5%
16.93B▲ 3.1%
16.93B▲ 0.0%
17.71B▲ 4.6%
18.68B▲ 5.5%
27.7B▲ 48.2%
Asset Growth %0.26%26.92%26.18%4.49%3.05%0.03%4.61%5.49%48.23%
Return on Assets (ROA)0.96%1.29%1.13%0.76%1.45%1.13%0.92%0.83%0.96%
Accounts Payable3.18M4.63M8.08M4.31M1.9M4.59M11.12M14.23M0
Total Debt1.3B1.83B1.9B983.24M458.67M1.12B1.73B1.47B1.66B
Net Debt1.18B1.66B1.66B77.8M-792.68M713.06M1.14B903.24M1.46B
Long-Term Debt1.11B1.24B1.62B741.29M316.78M986.4M1.63B1.28B358.53M
Short-Term Debt184.81M581.04M282.36M241.95M141.89M135.07M105.89M192.07M1.27B
Other Liabilities76.76M-181.51M216.26M251.94M207.52M248.09M264.52M274.69M22B
Total Current Liabilities7.23B9.42B11.29B12.68B13.71B13.27B13.29B14.34B1.27B
Total Non-Current Liabilities1.19B1.06B1.83B993.24M524.3M1.23B1.89B1.55B22.4B
Total Liabilities8.42B10.48B13.13B13.67B14.23B14.51B15.18B15.89B23.66B
Total Equity
1.4B▲ 0%
1.98B▲ 41.8%
2.59B▲ 31.1%
2.76B▲ 6.3%
2.69B▼ 2.3%
2.43B▼ 9.9%
2.53B▲ 4.4%
2.79B▲ 10.2%
4.03B▲ 44.5%
Equity Growth %4.02%41.82%31.08%6.28%-2.31%-9.9%4.38%10.15%44.5%
Equity / Assets (Capital Ratio)14.21%15.88%16.5%16.78%15.91%14.33%14.3%14.93%14.56%
Return on Equity (ROE)6.9%8.48%6.95%4.56%8.89%7.5%6.41%5.69%6.54%
Book Value per Share31.6640.3746.1440.9641.0140.3042.6244.5344.94
Tangible BV per Share18.2921.6225.7023.6823.4721.3523.5726.5925.73
Common Stock91.76M113.76M141.83M141.83M141.83M141.83M141.83M156.99M200.14M
Additional Paid-in Capital684.73M1.17B1.64B1.63B1.64B1.64B1.64B1.81B2.49B
Retained Earnings645.78M737.58M824.69M831.69M977.76M1.08B1.14B1.19B1.25B
Accumulated OCI-32.52M-38.94M-103K29.86M-6.8M-264.24M-228.71M-220.71M-135.62M
Treasury Stock0-274K-9.46M-25.95M-199.76M-308.96M-303M-292.24M0
Preferred Stock000144.48M144.48M144.48M144.48M144.48M224.19M

WSBC Cash Flow Statement

WesBanco, Inc. (WSBC) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations142.08M191.89M163.36M59.61M336.3M204.14M169.32M211M290.41M
Operating CF Growth %15.44%35.06%-14.87%-63.51%464.2%-39.3%-17.06%24.61%37.64%
Net Income94.48M143.11M158.87M122.04M242.26M192.11M159.03M151.51M223.1M
Depreciation & Amortization10.44M10.45M11.57M14.13M13.39M13.04M14.44M15.29M20.18M
Deferred Taxes27.11M7.16M8.47M-10.52M18.69M4.49M-3.68M-3.23M0
Other Non-Cash Items4.67M15.38M-23.05M-50.25M39.01M17.82M19.65M23.89M48.46M
Working Capital Changes2.42M11.42M2.19M-21.45M16.47M-29.57M-28.44M16.02M-10.08M
Cash from Investing-77.38M-51.86M103.79M57.79M-328.5M-1.07B-535.22M-1.03B-71.01M
Purchase of Investments-318.79M-931.63M-615.25M-668.63M-2.34B-803.44M-4.5M-383.38M-1.37B
Sale/Maturity of Investments337.32M430.52M731.86M1.23B948.47M692.74M418.89M385.26M0
Net Investment Activity18.54M-501.11M116.61M560.78M-1.39B-110.7M414.39M1.89M-1.37B
Acquisitions0278.65M60.02M000000
Other Investing-89.88M175.27M-60.65M-495.44M1.07B-949.47M-927.11M-1.02B1.3B
Cash from Financing-75.3M-88.42M-201.54M553.25M338.11M21.07M552.87M791.9M168.57M
Dividends Paid-44.86M-53.58M-66.57M-87.9M-96.61M-91.45M-92.42M-97.54M-140.27M
Share Repurchases0-426K-10.21M-24.54M-179.88M-116.05M-3.51M0-151.09M
Stock Issued1.04M1.58M72K59K000191.04M540K
Net Stock Activity1.04M1.15M-10.14M-24.48M-179.88M-116.05M-3.51M191.04M-150.55M
Debt Issuance (Net)-1000K1000K1000K-1000K-1000K1000K1000K-1000K-1000K
Other Financing-28.74M-154.88M-192.27M1.43B1.14B-432.77M38.61M965.17M821.38M
Net Change in Cash
-10.6M▲ 0%
51.61M▲ 587.0%
65.61M▲ 27.1%
670.65M▲ 922.2%
345.91M▼ 48.4%
-842.95M▼ 343.7%
186.97M▲ 122.2%
-27.25M▼ 114.6%
387.97M▲ 1524.0%
Exchange Rate Effect000000000
Cash at Beginning128.17M117.57M169.19M234.8M905.45M1.25B408.41M595.38M568.14M
Cash at End117.57M169.19M234.8M905.45M1.25B408.41M595.38M568.14M956.11M
Interest Paid42.53M68.62M87.14M75.08M32.57M37.74M223.92M344.25M462.83M
Income Taxes Paid22.88M18.7M31.38M36.98M35.73M24.9M35.59M26.84M31.74M
Free Cash Flow
136.04M▲ 0%
187.22M▲ 37.6%
151.16M▼ 19.3%
52.05M▼ 65.6%
327.76M▲ 529.6%
196.15M▼ 40.2%
146.82M▼ 25.2%
200.67M▲ 36.7%
279.99M▲ 39.5%
FCF Growth %11.85%37.62%-19.26%-65.56%529.65%-40.15%-25.15%36.68%39.52%

WSBC Banking Ratios

WesBanco, Inc. (WSBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)7.03%6.9%8.48%6.95%4.56%8.89%7.5%6.41%5.69%6.54%
Return on Assets (ROA)0.95%0.96%1.29%1.13%0.76%1.45%1.13%0.92%0.83%0.96%
Net Interest Margin2.59%2.96%2.79%2.54%2.92%2.71%2.8%2.72%2.56%2.94%
Efficiency Ratio56.26%51.91%50.93%51.39%52.41%56.59%56.16%46.42%41.77%43.26%
Equity / Assets13.7%14.21%15.88%16.5%16.78%15.91%14.33%14.3%14.93%14.56%
Book Value / Share33.4331.6640.3746.1440.9641.0140.342.6244.5344.94
NII Growth6.9%14.59%19.61%15.17%19.9%-4.49%3.58%1.48%-0.65%70.28%
Dividend Payout43.64%47.48%37.44%41.9%69.85%35.7%42.33%51.74%57.7%56.14%

WSBC SEC Filings & Documents

WesBanco, Inc. (WSBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 21, 2026·SEC

Material company update

Apr 16, 2026·SEC

Material company update

Apr 2, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 2, 2026·SEC

FY 2025

Mar 3, 2025·SEC

10-Q Quarterly Reports

3
FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 8, 2025·SEC

WSBC Frequently Asked Questions

WesBanco, Inc. (WSBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

WesBanco, Inc. (WSBC) grew revenue by 51.4% over the past year. This is strong growth.

Yes, WesBanco, Inc. (WSBC) is profitable, generating $223.1M in net income for fiscal year 2025 (15.5% net margin).

Dividend & Returns

Yes, WesBanco, Inc. (WSBC) pays a dividend with a yield of 4.05%. This makes it attractive for income-focused investors.

WesBanco, Inc. (WSBC) has a return on equity (ROE) of 6.5%. This is below average, suggesting room for improvement.

Industry Metrics

WesBanco, Inc. (WSBC) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

WesBanco, Inc. (WSBC) has an efficiency ratio of 43.3%. This is excellent, indicating strong cost control.

Explore More WSBC

WesBanco, Inc. (WSBC) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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