Wesbanco Inc (WSBC) reported $1.3B in revenue for fiscal year 2025, up 54.1% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Balance-sheet expansion lifted WesBanco's revenue and profit dollars, but per-asset and per-share returns barely improved.
Assets expanded to$27.7B in FY2025 while return on assets stayed at0.8% , so the larger balance sheet did not become more productive. Per-share economics tell the same story: net income rose to$223M , but diluted EPS eased to$2.23 after the share count jumped.
The bank remains highly leveraged by design, but FY2025 did not come with a sharper leverage profile: leverage stayed near 5.9x while equity increased to
This is a low-capex cash generator: operating cash flow reached
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Wesbanco Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Wesbanco Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Wesbanco Inc generates $1.30 in operating cash flow ($290.4M OCF vs $223.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Wesbanco Inc generated $1.3B in revenue in fiscal year 2025. This represents an increase of 54.1% from the prior year.
Wesbanco Inc reported $223.1M in net income in fiscal year 2025. This represents an increase of 47.3% from the prior year.
Wesbanco Inc earned $2.23 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 1.3% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Wesbanco Inc generated $280.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 39.5% from the prior year.
Wesbanco Inc held $956.1M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Wesbanco Inc paid $1.49 per share in dividends in fiscal year 2025. This represents an increase of 2.8% from the prior year.
Margins & Returns
Wesbanco Inc's net profit margin was 17.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.8 percentage points from the prior year.
Wesbanco Inc's ROE was 5.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Wesbanco Inc invested $10.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 0.9% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
WSBC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $333.1M+2.3% | $325.6M-4.1% | $339.4M-1.0% | $342.9M+1.9% | $336.4M+32.8% | $253.2M+18.6% | $213.6M-0.1% | $213.7M |
| SG&A Expenses | $149.1M+1.6% | $146.7M-0.8% | $147.9M-5.3% | $156.2M-16.3% | $186.5M+39.2% | $134.0M+32.5% | $101.1M-0.1% | $101.2M |
| Interest Expense | $110.9M+0.6% | $110.2M-5.9% | $117.1M-7.2% | $126.2M+5.5% | $119.6M+26.3% | $94.7M+8.8% | $87.1M-5.9% | $92.6M |
| Income Tax | $24.8M+9.0% | $22.8M-3.1% | $23.5M+19.1% | $19.7M+45.6% | $13.6M+2114.6% | -$673K-105.5% | $12.3M+64.1% | $7.5M |
| Net Income | $92.7M+4.6% | $88.6M-2.7% | $91.1M+9.0% | $83.6M+45.6% | $57.4M+738.5% | -$9.0M-118.1% | $49.6M+33.2% | $37.3M |
| EPS (Diluted) | $0.91+3.4% | $0.88+4.8% | $0.840.0% | $0.84+47.4% | $0.57 | -$0.15-120.8% | $0.72+33.3% | $0.54 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
WSBC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $27.8B+1.1% | $27.5B-0.8% | $27.7B+0.6% | $27.5B-0.2% | $27.6B+0.6% | $27.4B+46.7% | $18.7B+0.9% | $18.5B |
| Cash & Equivalents | $871.8M-9.2% | $960.4M+0.4% | $956.1M-5.2% | $1.0B-12.9% | $1.2B+6.0% | $1.1B+92.2% | $568.1M-8.5% | $620.9M |
| Goodwill | N/A | N/A | $1.6B0.0% | $1.6B0.0% | $1.6B0.0% | $1.6B+45.5% | $1.1B | N/A |
| Total Liabilities | $23.7B+1.2% | $23.4B-1.1% | $23.7B+1.1% | $23.4B-1.5% | $23.8B+0.5% | $23.6B+48.7% | $15.9B+1.2% | $15.7B |
| Total Equity | $4.1B+1.0% | $4.1B+1.0% | $4.0B-2.1% | $4.1B+7.8% | $3.8B+1.0% | $3.8B+35.5% | $2.8B-0.4% | $2.8B |
| Retained Earnings | $1.4B+4.0% | $1.3B+3.8% | $1.3B+3.5% | $1.2B+3.9% | $1.2B+1.7% | $1.1B-3.9% | $1.2B+1.9% | $1.2B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
WSBC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $77.7M-27.1% | $106.6M+12.3% | $94.9M-18.8% | $116.9M+11.3% | $105.0M+497.6% | -$26.4M-139.2% | $67.4M+11.0% | $60.7M |
| Capital Expenditures | N/A | N/A | -$2.7M+33.7% | $2.0M-70.7% | $6.8M+56.4% | $4.3M-5.8% | $4.6M+19.7% | $3.8M |
| Free Cash Flow | N/A | N/A | $92.3M-19.7% | $114.9M+16.9% | $98.3M+419.6% | -$30.7M-148.9% | $62.8M+10.4% | $56.9M |
| Investing Cash Flow | -$387.2M-341.3% | $160.5M+174.5% | -$215.5M-82.6% | -$118.0M-21.6% | -$97.1M-127.0% | $359.5M+234.5% | -$267.3M-14.7% | -$233.1M |
| Financing Cash Flow | $220.9M+184.1% | -$262.8M-483.9% | $68.4M+146.4% | -$147.7M-357.6% | $57.3M-69.9% | $190.5M+29.5% | $147.1M-52.0% | $306.5M |
| Dividends Paid | $36.2M-1.8% | $36.9M+21.6% | $30.3M-13.9% | $35.2M+0.1% | $35.2M+43.4% | $24.5M+2.8% | $23.8M+12.4% | $21.2M |
Not reported in any period shown, so not listed: Share Buybacks.
WSBC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.8%+0.6pp | 27.2%+0.4pp | 26.8%+2.5pp | 24.4%+7.3pp | 17.1%+20.6pp | -3.5%-26.8pp | 23.2%+5.8pp | 17.4% |
| Return on Equity | 2.3%+0.1pp | 2.2%-0.1pp | 2.3%+0.2pp | 2.0%+0.5pp | 1.5%+1.7pp | -0.2%-2.0pp | 1.8%+0.5pp | 1.3% |
| Return on Assets | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%+0.1pp | 0.2%+0.2pp | 0.0%-0.3pp | 0.3%+0.1pp | 0.2% |
| Debt-to-Equity | 5.760.0x | 5.75-0.1x | 5.87+0.2x | 5.68-0.5x | 6.220.0x | 6.25+0.6x | 5.70+0.1x | 5.61 |
| FCF Margin | N/A | N/A | 27.2%-6.3pp | 33.5%+4.3pp | 29.2%+41.4pp | -12.1%-41.6pp | 29.4%+2.8pp | 26.6% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Wesbanco Inc Ranks
Frequently Asked Questions
What is Wesbanco Inc's annual revenue?
Wesbanco Inc (WSBC) reported $1.3B in total revenue for fiscal year 2025. This represents a 54.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Wesbanco Inc's revenue growing?
Wesbanco Inc (WSBC) revenue grew by 54.1% year-over-year, from $825.6M to $1.3B in fiscal year 2025.
Is Wesbanco Inc profitable?
Yes, Wesbanco Inc (WSBC) reported a net income of $223.1M in fiscal year 2025, with a net profit margin of 17.5%.
What is Wesbanco Inc's net profit margin?
Wesbanco Inc (WSBC) had a net profit margin of 17.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Wesbanco Inc pay dividends?
Yes, Wesbanco Inc (WSBC) paid $1.49 per share in dividends during fiscal year 2025.
What is Wesbanco Inc's return on equity (ROE)?
Wesbanco Inc (WSBC) has a return on equity of 5.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Wesbanco Inc's free cash flow?
Wesbanco Inc (WSBC) generated $280.0M in free cash flow during fiscal year 2025. This represents a 39.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Wesbanco Inc's operating cash flow?
Wesbanco Inc (WSBC) generated $290.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Wesbanco Inc's total assets?
Wesbanco Inc (WSBC) had $27.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Wesbanco Inc's capital expenditures?
Wesbanco Inc (WSBC) invested $10.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Wesbanco Inc's debt-to-equity ratio?
Wesbanco Inc (WSBC) had a debt-to-equity ratio of 5.87 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Wesbanco Inc's return on assets (ROA)?
Wesbanco Inc (WSBC) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Wesbanco Inc's Piotroski F-Score?
Wesbanco Inc (WSBC) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Wesbanco Inc's earnings high quality?
Wesbanco Inc (WSBC) has an earnings quality ratio of 1.30x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Wesbanco Inc?
Wesbanco Inc (WSBC) scores 57 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.