Wesbanco Inc

Finance
Major Banks
www.wesbanco.com

Earnings Score

Market Cap $2.22B
PE 18
Debt $NaN
Cash $620.90M
EV $NaN
FCF $182.28M

Earnings

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Sales & Net Margins

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Earnings	$126.72M
EBIT	$166.70M
ROE	5%
ROA	1%
FCF	$182.28M
Equity	$2.80B
Growth Stability	84%
PE	17.52
PEG	14.69
PB	0.79
P/FCF	12.18
Price/Cash	0.28
Earnings CAGR	9%
FCF CAGR	7%
Equity CAGR	12%
Earnings Stability	0.51
Earnings Growth YoY	1%

Earnings Growth QoQ	32%
Earnings CAGR 5Y	1%
FCF CAGR 5Y	14%
Equity CAGR 5Y	-1%
FCF CAGR 3Y	-19%
Equity CAGR 3Y	1%
Market Cap	$2.22B
Dividend Yield	4%
Payout Ratio	69%
Assets	$18.51B
Cash	$620.90M
Shares Outstanding	61.14M
Earnings Score	58%
Shares Growth 3y	-1%
Equity Growth QoQ	10%
Equity Growth YoY	14%

Assets & ROA

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Stockholders Equity & ROE

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Wesbanco Inc is a bank holding company that offers a full range of financial services, including retail banking, corporate banking, personal and corporate trust services, brokerage services, mortgage banking, and insurance. The company has two reportable segments: community banking and trust and investment services. WesBanco operates one commercial bank, WesBanco Bank, which runs scores of branches. Its market service area primarily includes the Rust Belt region of the United States. Commercial real estate accounts for nearly half of the bank's loan portfolio. The bank has historically grown through both organic growth and acquisitions. The bank's primary component of net revenue is net interest income.

SEC Filings

Direct access to Wesbanco Inc (WSBC) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Wesbanco Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Wesbanco Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 9%

Stability 51%

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Wesbanco Inc Discounted Cash Flow

Fully customizable DCF calculator online for Wesbanco Inc.

Years

Calculation mode

= $2.9B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$182M	$194M	$207M	$221M	$236M	$252M	$269M	$287M	$306M	$326M	$348M	$3.5B
DCF		$177M	$171M	$166M	$161M	$156M	$152M	$147M	$143M	$138M	$134M	$1.3B
Value	$2.9B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-	-	-	-	-	-	-
ROA	-	1%	1%	2%	1%	1%	1%	2%	1%	1%	1%
ROE	-	7%	6%	7%	7%	6%	4%	9%	7%	6%	5%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-	-	-	-	-	-
Growth Stability	-	-	-	100%	100%	100%	90%	100%	100%	84%	84%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Neutral Graham’s Stability (84%)

The company has a stability in its earnings that is not too good nor too bad.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-	-	-	-	-
Earnings YoY growth	-	15%	7%	9%	51%	11%	-25%	94%	-22%	-18%	1%
Equity YoY growth	-	42%	20%	4%	42%	31%	6%	-2%	-10%	4%	-1%
FCF YoY growth	-	-10%	54%	11%	38%	-19%	-66%	530%	-40%	-25%	14%