WESBANCO INC(NASDAQ:WSBC) stock Fundamental Analysis

Fundamental Rating

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 may be in some trouble as it scores bad on both profitability and health. WSBC has a decent growth rate and is not valued too expensively. WSBC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

WSBC had positive earnings in the past year.

WSBC had a positive operating cash flow in the past year.

In the past 5 years WSBC has always been profitable.

Of the past 5 years WSBC 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.68%, WSBC is in line with its industry, outperforming 40.35% of the companies in the same industry.

With a Return On Equity value of 4.52%, WSBC is not doing good in the industry: 78.70% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.68%
ROE	4.52%
ROIC	N/A

ROA(3y)0.89%

ROA(5y)0.95%

ROE(3y)6.15%

ROE(5y)6.28%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 21.44%, WSBC perfoms like the industry average, outperforming 45.61% of the companies in the same industry.

WSBC's Profit Margin has declined in the last couple of years.

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 3Y-15.96%

PM growth 5Y-5.38%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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 reduced compared to 5 years ago.

Compared to 1 year ago, WSBC has a worse debt to assets ratio.

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.

WSBC has a Debt to FCF ratio (2.30) which is in line with its industry peers.

A Debt/Equity ratio of 0.15 indicates that WSBC is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.15, WSBC is doing good in the industry, outperforming 62.66% 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

WACC10.43%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for WSBC have decreased strongly by -10.16% in the last year.

The Earnings Per Share has been decreasing by -5.30% on average over the past years.

The Revenue has been growing slightly by 0.72% in the past year.

WSBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.25% yearly.

EPS 1Y (TTM)-10.16%

EPS 3Y-13.31%

EPS 5Y-5.3%

EPS Q2Q%29.09%

Revenue 1Y (TTM)0.72%

Revenue growth 3Y0.87%

Revenue growth 5Y3.25%

Sales Q2Q%7.31%

3.2 Future

WSBC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.10% yearly.

The Revenue is expected to grow by 38.19% on average over the next years. This is a very strong growth

EPS Next Y46.22%

EPS Next 2Y31.1%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year71.06%

Revenue Next 2Y38.19%

Revenue Next 3YN/A

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

WSBC is valuated correctly with a Price/Earnings ratio of 15.40.

Based on the Price/Earnings ratio, WSBC is valued a bit more expensive than 67.67% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 29.63, WSBC is valued a bit cheaper.

With a Price/Forward Earnings ratio of 10.53, the valuation of WSBC can be described as very reasonable.

64.91% of the companies in the same industry are more expensive than WSBC, based on the Price/Forward Earnings ratio.

WSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	15.4
Fwd PE	10.53

4.2 Price Multiples

WSBC's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	13
EV/EBITDA	N/A

4.3 Compensation for Growth

WSBC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as WSBC's earnings are expected to grow with 31.10% in the coming years.

PEG (NY)0.33

PEG (5Y)N/A

EPS Next 2Y31.1%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

WSBC has a Yearly Dividend Yield of 4.08%, which is a nice return.

WSBC's Dividend Yield is rather good when compared to the industry average which is at 3.18. WSBC pays more dividend than 80.45% of the companies in the same industry.

WSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	4.08%

5.2 History

The dividend of WSBC is nicely growing with an annual growth rate of 7.60%!

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 2Y31.1%

EPS Next 3YN/A

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WESBANCO INC

NASDAQ:WSBC (2/21/2025, 8:00:02 PM)

After market: 35.41 0 (0%)

35.41

-0.88 (-2.42%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/amc

Earnings (Next)04-21 2025-04-21/amc

Inst Owners72.98%

Inst Owner Change-94.64%

Ins Owners2.8%

Ins Owner Change-0.77%

Market Cap2.37B

Analysts76.92

Price Target41.67 (17.68%)

Short Float %4.52%

Short Ratio6.02

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.08%

Yearly Dividend1.56

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)3.25%

PT rev (3m)14.4%

EPS NQ rev (1m)0.26%

EPS NQ rev (3m)0.26%

EPS NY rev (1m)5.73%

EPS NY rev (3m)4.23%

Revenue NQ rev (1m)-0.02%

Revenue NQ rev (3m)-0.02%

Revenue NY rev (1m)2.07%

Revenue NY rev (3m)0.19%

Valuation

		Industry Rank	Sector Rank
PE	15.4
Fwd PE	10.53
P/S	4.01
P/FCF	13
P/OCF	12.41
P/B	0.85
P/tB	1.41
EV/EBITDA	N/A

EPS(TTM)2.3

EY6.5%

EPS(NY)3.36

Fwd EY9.5%

FCF(TTM)2.72

FCFY7.69%

OCF(TTM)2.85

OCFY8.06%

SpS8.83

BVpS41.86

TBVpS25.04

PEG (NY)0.33

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)0.89%

ROA(5y)0.95%

ROE(3y)6.15%

ROE(5y)6.28%

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 3Y-15.96%

PM growth 5Y-5.38%

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	N/A
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

WACC10.43%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-10.16%

EPS 3Y-13.31%

EPS 5Y-5.3%

EPS Q2Q%29.09%

EPS Next Y46.22%

EPS Next 2Y31.1%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.72%

Revenue growth 3Y0.87%

Revenue growth 5Y3.25%

Sales Q2Q%7.31%

Revenue Next Year71.06%

Revenue Next 2Y38.19%

Revenue Next 3YN/A

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 1Y70.17%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y47.52%

OCF growth 3YN/A

OCF growth 5YN/A

WESBANCO INC (WSBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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