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what it is
WesBanco takes deposits, makes loans, and sells wealth services across six states with $7.7 billion in assets.
how it gets paid
Last year Wesbanco made $1.3B in revenue.
why it's growing
Revenue grew 54.1% last year. $1.39 of quarterly EPS matters because it is more than 60% of the entire 2024 full-year EPS total of $2.26.
what just happened
Latest quarter EPS came in at $1.39, up 65% vs. prior year on revenue of $932 million.
At a glance
B+ balance sheet — decent shape, but not bulletproof
60/100 earnings predictability — reasonably predictable
17.5x trailing p/e — the market's not buying it — or you found a deal
4.6% dividend yield — cash in your pocket every quarter
$2.26 fy2024 eps est
xvary composite: 57/100 — below average
What they do
WesBanco takes deposits, makes loans, and sells wealth services across six states with $7.7 billion in assets.
This is a 155-year-old local bank, founded in 1870, with 2,195 employees and a branch network across West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, and Maryland. Community banking moat (local relationships and branch presence that keep customers from moving) means your checking account, mortgage, and business loan can sit under one roof. That matters because regional banking is a trust business, and a bank with $7.7 billion in assets has more local staying power than a tiny hometown lender but far less scale than a national giant.
How they make money
$1.3B
annual revenue · their business grew +54.1% last year
total revenue
$1.3B
+54.1%
The products that matter
takes deposits and makes loans
Retail & Commercial Banking
8 states · core banking franchise
This is the center of the story. It feeds the $904M net interest income stream that makes up roughly 70% of the revenue mix shown on this page.
70% of revenue mix
fees from client services
Trust & Investment Services
$387M · non-interest income
This is the part of the bank that is not driven directly by loan spreads. At $387M, it gives WesBanco a second income stream when plain-vanilla banking gets tight.
30% of revenue mix
digital access and retention tools
Online & Mobile Banking
no standalone revenue disclosed here
There is no clean segment number on this page. It still matters because a 52.9% efficiency ratio leaves less room for customer attrition and branch-heavy cost creep.
retention tool
Key numbers
4.6%
dividend yield
You are being paid 4.6% a year to wait, which is the main reason to own a bank with earnings that fell from $3.02 to $2.26 in two years.
17.5x
trailing p/e
P/E ratio → price relative to profit → so what: you are paying a full-market multiple for a bank with shrinking earnings.
$379M
long-term debt
Long-term debt equals 11% of capital, which means leverage exists but it is not the whole story. For a bank, that is manageable next to a B+ balance-sheet grade.
$2.26
2024 EPS
Earnings per share → profit per share → so what: this is down from $3.02 in 2022, and that decline explains why the stock deserves scrutiny.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 65 / 100
- long-term debt $379M (11% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for WSBC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Latest quarter EPS came in at $1.39, up 65% vs. prior year on revenue of $932 million.
The reported quarter looked far better than the full-year run rate. That contrast matters because full-year EPS was still just $2.26, down from $2.51 in 2023.
$932M
revenue
$1.39
eps
24.7%
gross margin
the number that mattered
$1.39 of quarterly EPS matters because it is more than 60% of the entire 2024 full-year EPS total of $2.26, which tells you results were back-end loaded.
source: company earnings report, 2026
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What could go wrong
The top risk is another downgrade to the bank's earnings growth path.
high
estimate cuts keep coming
Expected 2025 EPS growth already fell from 29% to 21%. If the next revision goes lower again, the market will treat this as an income stock with less growth than advertised.
This directly pressures the earnings story investors are paying 17.5x trailing earnings for.
med
net interest income still drives the bus
About 70% of the revenue mix here is net interest income. In plain English: if funding costs rise or loan spreads tighten, most of the business feels it.
Pressure on the spread business would hit the biggest revenue line first — the $904M net interest income stream.
med
there is no scale moat
WesBanco operates across eight states, but this is still a regional bank competing on service, pricing, and relationships. That helps until a bigger bank decides to compete harder.
Competitive pressure would show up in loan pricing, deposit retention, and the efficiency ratio that currently sits at 52.9%.
low
income may become the whole thesis
The 4.55% yield is attractive. It also becomes a trap if investors are forced to own this mainly for the dividend because earnings growth keeps fading.
If growth stalls, your upside compresses toward the payout rather than the multiple expanding.
Another earnings reset or a squeeze on the spread business would hit the part of WesBanco that drives about 70% of its revenue mix. That's why the estimate trend matters more here than the headline dividend yield.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 results
The estimated report date is april 28, 2026. After a $0.84 quarter and a cut to 21% expected EPS growth, the next update matters more than usual.
estimates
2026 EPS at $2.42
That number is the current marker for next year. If it rises, the growth story stabilizes. If it falls, the market will notice.
operations
efficiency ratio discipline
52.9% is better than 63.6%. You want that improvement to hold, because better cost control is one of the few clean positives on this page.
risk
whether the dividend becomes the whole pitch
The $0.38 quarterly payout and 4.55% yield are useful. They should support the thesis, not replace it.
Analyst rankings
earnings predictability
60 / 100
in human-speak: the numbers are steady enough to model, but not steady enough to sleep through estimate revisions.
risk rank
3
Middle of the pack on safety. Not fragile. Not a fortress.
price stability
65 / 100
Less jumpy than many stocks, which is what you would expect from a dividend-paying regional bank.
source: institutional data
Institutional activity
institutional ownership data for WSBC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$34
current price
n/a
target midpoint · n/a from current
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