WESBANCO INC (WSBC)
US9508101014 - Common Stock
Taking everything into account, WSBC scores 4 out of 10 in our fundamental rating. WSBC was compared to 405 industry peers in the Banks industry. WSBC has a bad profitability rating. Also its financial health evaluation is rather negative. WSBC has a correct valuation and a medium growth rate. Finally WSBC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year WSBC was profitable.
In the past year WSBC had a positive cash flow from operations.
WSBC had positive earnings in each of the past 5 years.
Each year in the past 5 years WSBC had a positive operating cash flow.
1.2 Ratios
The Return On Assets of WSBC (0.68%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 4.52%, WSBC is doing worse than 78.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 4.52% | ||
| ROIC | N/A |
ROA(3y)1.1%
ROA(5y)1%
ROE(3y)7.33%
ROE(5y)6.49%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 21.44%, WSBC is in line with its industry, outperforming 46.73% of the companies in the same industry.
In the last couple of years the Profit Margin of WSBC has declined.
The Operating Margin and Gross Margin are not available for WSBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.44% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.99%
PM growth 5Y-5%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
WSBC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for WSBC has been increased compared to 5 years ago.
The debt/assets ratio for WSBC has been reduced compared to a year ago.
2.2 Solvency
WSBC has a debt to FCF ratio of 2.30. This is a good value and a sign of high solvency as WSBC would need 2.30 years to pay back of all of its debts.
The Debt to FCF ratio of WSBC (2.30) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.15 indicates that WSBC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.15, WSBC is in the better half of the industry, outperforming 62.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 2.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.74%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WSBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.91%.
Measured over the past years, WSBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.53% on average per year.
The Revenue has decreased by -3.36% in the past year.
The Revenue has been growing slightly by 6.10% on average over the past years.
EPS 1Y (TTM)-24.91%
EPS 3Y10.45%
EPS 5Y-2.53%
EPS Q2Q%-8.47%
Revenue 1Y (TTM)-3.36%
Revenue growth 3Y-0.33%
Revenue growth 5Y6.1%
Sales Q2Q%-5.54%
3.2 Future
WSBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.22% yearly.
The Revenue is expected to grow by 23.14% on average over the next years. This is a very strong growth
EPS Next Y-14.45%
EPS Next 2Y11.47%
EPS Next 3Y14.22%
EPS Next 5YN/A
Revenue Next Year-0.84%
Revenue Next 2Y29.3%
Revenue Next 3Y23.14%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.69, WSBC is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of WSBC indicates a slightly more expensive valuation: WSBC is more expensive than 62.81% of the companies listed in the same industry.
WSBC is valuated rather cheaply when we compare the Price/Earnings ratio to 27.28, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.88 indicates a reasonable valuation of WSBC.
Based on the Price/Forward Earnings ratio, WSBC is valued a bit cheaper than 72.61% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.53, WSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.69 | ||
| Fwd PE | 9.88 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as WSBC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WSBC's earnings are expected to grow with 14.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.47%
EPS Next 3Y14.22%
5. Dividend
5.1 Amount
WSBC has a Yearly Dividend Yield of 4.70%, which is a nice return.
WSBC's Dividend Yield is rather good when compared to the industry average which is at 3.29. WSBC pays more dividend than 85.43% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, WSBC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.7% |
5.2 History
On average, the dividend of WSBC grows each year by 7.60%, which is quite nice.
WSBC has paid a dividend for at least 10 years, which is a reliable track record.
WSBC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.6%
Div Incr Years13
Div Non Decr Years13
5.3 Sustainability
WSBC pays out 74.39% of its income as dividend. This is not a sustainable payout ratio.
WSBC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP74.39%
EPS Next 2Y11.47%
EPS Next 3Y14.22%
WESBANCO INC
NASDAQ:WSBC (1/14/2025, 8:13:42 PM)
After market: 31.43 0 (0%)31.43
+0.91 (+2.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62.41%
Inst Owner Change-0.21%
Ins Owners2.8%
Ins Owner Change-0.9%
Market Cap2.10B
Analysts76.92
Price Target40.36 (28.41%)
Short Float %3.92%
Short Ratio6.02
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.7% |
Dividend Growth(5Y)7.6%
DP74.39%
Div Incr Years13
Div Non Decr Years13
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.57%
Min EPS beat(2)-10.09%
Max EPS beat(2)2.94%
EPS beat(4)2
Avg EPS beat(4)-2.65%
Min EPS beat(4)-10.09%
Max EPS beat(4)2.94%
EPS beat(8)3
Avg EPS beat(8)-2.23%
EPS beat(12)6
Avg EPS beat(12)1.15%
EPS beat(16)9
Avg EPS beat(16)6.39%
Revenue beat(2)0
Avg Revenue beat(2)-8.61%
Min Revenue beat(2)-8.79%
Max Revenue beat(2)-8.42%
Revenue beat(4)0
Avg Revenue beat(4)-5.16%
Min Revenue beat(4)-8.79%
Max Revenue beat(4)-0.1%
Revenue beat(8)2
Avg Revenue beat(8)0.46%
Revenue beat(12)6
Avg Revenue beat(12)8.15%
Revenue beat(16)10
Avg Revenue beat(16)12.32%
PT rev (1m)7.36%
PT rev (3m)10.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.09%
EPS NY rev (1m)0%
EPS NY rev (3m)2.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.82%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.69 | ||
| Fwd PE | 9.88 | ||
| P/S | 3.56 | ||
| P/FCF | 11.53 | ||
| P/OCF | 11.01 | ||
| P/B | 0.75 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY6.81%
EPS(NY)3.18
Fwd EY10.12%
FCF(TTM)2.73
FCFY8.67%
OCF(TTM)2.85
OCFY9.08%
SpS8.84
BVpS41.9
TBVpS25.06
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 4.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.44% | ||
| GM | N/A | ||
| FCFM | 30.83% |
ROA(3y)1.1%
ROA(5y)1%
ROE(3y)7.33%
ROE(5y)6.49%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.99%
PM growth 5Y-5%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 2.3 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 59.85% | ||
| Cap/Sales | 1.46% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 143.82% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC10.74%
ROIC/WACCN/A
Cap/Depr(3y)93.63%
Cap/Depr(5y)87.99%
Cap/Sales(3y)2.18%
Cap/Sales(5y)2.03%
Profit Quality(3y)115.86%
Profit Quality(5y)97.26%
High Growth Momentum
Growth
EPS 1Y (TTM)-24.91%
EPS 3Y10.45%
EPS 5Y-2.53%
EPS Q2Q%-8.47%
EPS Next Y-14.45%
EPS Next 2Y11.47%
EPS Next 3Y14.22%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.36%
Revenue growth 3Y-0.33%
Revenue growth 5Y6.1%
Sales Q2Q%-5.54%
Revenue Next Year-0.84%
Revenue Next 2Y29.3%
Revenue Next 3Y23.14%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.81%
FCF growth 3Y41.34%
FCF growth 5Y-4.74%
OCF growth 1Y-25.69%
OCF growth 3Y41.63%
OCF growth 5Y-2.47%