WesBanco, Inc. (WSBC) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
15.89
↑+33% vs avg
5yr avg: 11.98
30Y Low4.8·High32.4
P/FCF
↑
12.46
↑+20% vs avg
5yr avg: 10.37
30Y Low4.9·High38.7
P/B Ratio
↓
0.81
+2% vs avg
5yr avg: 0.80
30Y Low0.6·High2.1
ROE
↓
6.5%
-7% vs avg
5yr avg: 7.0%
30Y Low4%·High13%
Debt/EBITDA
↑
5.35
↓-1% vs avg
5yr avg: 5.39
30Y Low1.5·High23.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
WSBC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
WesBanco, Inc. trades at 16.1x earnings, 26% above its 5-year average of 12.8x, sitting at the 63rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 18%. On a free-cash-flow basis, the stock trades at 12.5x P/FCF, 20% above the 5-year average of 10.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.5B | $3.0B | $2.0B | $1.9B | $2.2B | $2.3B | $2.0B | $2.1B | $1.8B | $1.8B | $1.7B |
| Enterprise Value | $4.9B | $4.4B | $2.9B | $3.0B | $2.9B | $1.5B | $2.1B | $3.8B | $3.5B | $3.0B | $2.9B |
| P/E Ratio → | 16.06 | 14.71 | 14.40 | 12.50 | 12.25 | 9.91 | 16.93 | 13.35 | 12.57 | 19.00 | 19.94 |
| P/S Ratio | 2.43 | 2.08 | 2.15 | 2.26 | 3.56 | 3.77 | 3.05 | 3.58 | 3.53 | 4.30 | 4.76 |
| P/B Ratio | 0.81 | 0.74 | 0.73 | 0.74 | 0.92 | 0.85 | 0.73 | 0.82 | 0.91 | 1.28 | 1.29 |
| P/FCF | 12.46 | 10.65 | 10.16 | 12.70 | 11.35 | 7.01 | 38.74 | 14.05 | 9.61 | 13.17 | 14.21 |
| P/OCF | 12.01 | 10.27 | 9.66 | 11.01 | 10.91 | 6.83 | 33.83 | 13.00 | 9.37 | 12.61 | 13.97 |
P/E links to full P/E history page with 30-year chart
WSBC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
WesBanco, Inc.'s enterprise value stands at 15.9x EBITDA, 33% above its 5-year average of 12.0x. The Financial Services sector median is 11.4x, placing the stock at a 39% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.10 | 3.10 | 3.64 | 4.70 | 2.47 | 3.17 | 6.38 | 6.78 | 7.13 | 8.07 |
| EV / EBITDA | 15.89 | 14.27 | 14.68 | 14.41 | 11.79 | 4.77 | 13.16 | 18.49 | 18.68 | 18.72 | 23.10 |
| EV / EBIT | 17.53 | 15.74 | 15.89 | 15.48 | 12.44 | 4.99 | 14.44 | 19.60 | 19.79 | 20.04 | 24.91 |
| EV / FCF | — | 15.87 | 14.66 | 20.46 | 14.99 | 4.59 | 40.24 | 25.06 | 18.45 | 21.84 | 24.10 |
WSBC Profitability
Margins and return-on-capital ratios measuring operating efficiency
WesBanco, Inc. earns an operating margin of 19.7%, roughly in line with the Financial Services sector average. Operating margins have compressed from 23.5% to 19.7% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 6.5% is modest, trailing the sector median of 9.0%. ROIC of 4.3% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 62.9% | 62.9% | 61.3% | 69.9% | 94.0% | 106.1% | 74.4% | 83.9% | 85.2% | 87.5% | 88.6% |
| Operating Margin | 19.7% | 19.7% | 19.5% | 23.5% | 37.8% | 49.5% | 21.9% | 32.5% | 34.3% | 35.6% | 32.4% |
| Net Profit Margin | 15.5% | 15.5% | 16.0% | 19.3% | 30.7% | 39.7% | 18.5% | 26.7% | 28.1% | 22.7% | 23.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.5% | 6.5% | 5.7% | 6.4% | 7.5% | 8.9% | 4.6% | 6.9% | 8.5% | 6.9% | 7.0% |
| ROA | 1.0% | 1.0% | 0.8% | 0.9% | 1.1% | 1.5% | 0.8% | 1.1% | 1.3% | 1.0% | 0.9% |
| ROIC | 4.3% | 4.3% | 3.3% | 3.7% | 5.3% | 6.6% | 2.6% | 3.5% | 4.0% | 4.1% | 3.5% |
| ROCE | 1.8% | 1.8% | 4.2% | 4.8% | 6.9% | 8.7% | 3.5% | 5.2% | 6.2% | 5.8% | 4.8% |
WSBC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
WesBanco, Inc. carries a Debt/EBITDA ratio of 5.3x, which is highly leveraged (25% above the sector average of 4.3x). Net debt stands at $1.5B ($1.7B total debt minus $205M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.41 | 0.41 | 0.53 | 0.68 | 0.46 | 0.17 | 0.36 | 0.73 | 0.92 | 0.93 | 0.99 |
| Debt / EBITDA | 5.35 | 5.35 | 7.34 | 8.32 | 4.50 | 1.46 | 6.18 | 9.27 | 9.87 | 8.17 | 10.49 |
| Net Debt / Equity | — | 0.36 | 0.32 | 0.45 | 0.29 | -0.29 | 0.03 | 0.64 | 0.84 | 0.85 | 0.90 |
| Net Debt / EBITDA | 4.69 | 4.69 | 4.51 | 5.47 | 2.86 | -2.51 | 0.49 | 8.12 | 8.95 | 7.43 | 9.49 |
| Debt / FCF | — | 5.21 | 4.50 | 7.76 | 3.64 | -2.42 | 1.49 | 11.00 | 8.84 | 8.67 | 9.90 |
| Interest Coverage | 0.62 | 0.62 | 0.53 | 0.84 | 6.01 | 11.17 | 2.35 | 2.29 | 2.58 | 3.52 | 3.59 |
WSBC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.25x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.25 | 0.25 | 0.06 | 0.22 | 0.23 | 0.32 | 0.23 | 0.24 | 0.25 | 0.19 | 0.19 |
| Quick Ratio | 0.25 | 0.25 | 0.06 | 0.22 | 0.23 | 0.32 | 0.23 | 0.24 | 0.25 | 0.19 | 0.19 |
| Cash Ratio | 0.16 | 0.16 | 0.04 | 0.04 | 0.03 | 0.09 | 0.07 | 0.02 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
WSBC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
WesBanco, Inc. returns 8.2% to shareholders annually — split between a 3.8% dividend yield and 4.3% buyback yield. A payout ratio of 56.1% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 6.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.8% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 56.1% | 56.1% | 57.7% | 51.7% | 42.3% | 35.7% | 69.9% | 41.9% | 37.4% | 47.5% | 43.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.2% | 6.8% | 6.9% | 8.0% | 8.2% | 10.1% | 5.9% | 7.5% | 8.0% | 5.3% | 5.0% |
| FCF Yield | 8.0% | 9.4% | 9.8% | 7.9% | 8.8% | 14.3% | 2.6% | 7.1% | 10.4% | 7.6% | 7.0% |
| Buyback Yield | 4.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 8.2% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $90M | $63M | $59M | $60M | $66M | $67M | $56M | $49M | $44M | $40M |
Peer Comparison
Compare WSBC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 WSBCYou | $3B | 16.1 | 15.9 | 12.5 | 62.9% | 19.7% | 6.5% | 4.3% | 5.3 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 UBSI | $6B | 13.6 | 7.8 | 12.9 | 65.4% | 32.4% | 8.9% | 7.2% | 1.6 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FULT | $4B | 11.0 | 10.3 | 15.5 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 CTBI | $1B | 12.6 | 11.9 | 12.7 | 66.7% | 31.0% | 12.2% | 8.2% | 3.0 |
 HBAN | $27B | 12.1 | 16.1 | 11.7 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 RF | $25B | 12.5 | 6.8 | 11.5 | 74.6% | 28.5% | 11.7% | 8.5% | 1.7 |
 FNB | $7B | 11.7 | 12.0 | 17.5 | 62.3% | 24.8% | 8.7% | 4.7% | 5.9 |
 CBSH | $8B | 13.4 | 13.3 | 13.6 | 80.0% | 34.2% | 15.8% | 8.4% | 3.9 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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WSBC — Frequently Asked Questions
Quick answers to the most common questions about buying WSBC stock.
What is WesBanco, Inc.'s P/E ratio?
WesBanco, Inc.'s current P/E ratio is 16.1x. The historical average is 15.5x. This places it at the 63th percentile of its historical range.
What is WesBanco, Inc.'s EV/EBITDA?
WesBanco, Inc.'s current EV/EBITDA is 15.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 17.3x.
What is WesBanco, Inc.'s ROE?
WesBanco, Inc.'s return on equity (ROE) is 6.5%. The historical average is 8.4%.
Is WSBC stock overvalued?
Based on historical data, WesBanco, Inc. is trading at a P/E of 16.1x. This is at the 63th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is WesBanco, Inc.'s dividend yield?
WesBanco, Inc.'s current dividend yield is 3.85% with a payout ratio of 56.1%.
What are WesBanco, Inc.'s profit margins?
WesBanco, Inc. has 62.9% gross margin and 19.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does WesBanco, Inc. have?
WesBanco, Inc.'s Debt/EBITDA ratio is 5.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.