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Wesbanco Inc Financials

WSBC
FY2025 annual
Revenue $1.3B +54.1% YoY
Net Income $223.1M +47.3% YoY
EPS (Diluted) $2.23 -1.3% YoY
Free Cash Flow $280.0M +39.5% YoY
Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

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).

Rhea AI WSBC FY2025

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 at 0.8%, 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 $4.03B. That combination suggests growth was supported by a larger capital base, not just by leaning harder on liabilities.

This is a low-capex cash generator: operating cash flow reached $290M and capital spending was only $10M in FY2025, so profit was not being absorbed by heavy physical reinvestment. Cash conversion also looked sound, with operating cash flow above net income and dividends of $125M still covered by internally generated cash.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Earnings Growth Capital Efficiency CreditQuality Stability 57 / 100
Financial Health Score 57/100
Scored as: Banks peer group

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.

Earnings
46
Growth
84
Capital
78
Efficiency
47
Credit Quality
26
Stability
63
Piotroski F-Score Partial
4/6

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.

Earnings Quality Cash-Backed
1.30x

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

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Earnings & Revenue

Revenue
$1.3B
YoY+54.1%
5Y CAGR+18.6%
10Y CAGR+17.1%

Wesbanco Inc generated $1.3B in revenue in fiscal year 2025. This represents an increase of 54.1% from the prior year.

Net Income
$223.1M
YoY+47.3%
5Y CAGR+12.8%
10Y CAGR+10.7%

Wesbanco Inc reported $223.1M in net income in fiscal year 2025. This represents an increase of 47.3% from the prior year.

EPS (Diluted)
$2.23
YoY-1.3%
5Y CAGR+4.7%
10Y CAGR+0.4%

Wesbanco Inc earned $2.23 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 1.3% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow
$280.0M
YoY+39.5%
5Y CAGR+40.0%
10Y CAGR+13.5%

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.

Cash & Debt
$956.1M
YoY+68.3%
5Y CAGR+1.1%
10Y CAGR+27.1%

Wesbanco Inc held $956.1M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share
$1.49
YoY+2.8%
5Y CAGR+3.1%
10Y CAGR+4.9%

Wesbanco Inc paid $1.49 per share in dividends in fiscal year 2025. This represents an increase of 2.8% from the prior year.

Shares Outstanding
96M
YoY+43.6%
5Y CAGR+7.4%
10Y CAGR+9.6%

Wesbanco Inc had 96M shares outstanding in fiscal year 2025. This represents an increase of 43.6% from the prior year.

Margins & Returns

Net Margin
17.5%
YoY-0.8pp
5Y CAGR-5.0pp
10Y CAGR-13.3pp

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.

Return on Equity
5.5%
YoY+0.1pp
5Y CAGR+1.1pp
10Y CAGR-1.7pp

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Capital Expenditures
$10.4M
YoY+0.9%
5Y CAGR+6.7%
10Y CAGR+0.9%

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.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

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.

WSBC quarterly income statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
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.

WSBC quarterly balance sheet
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
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
GoodwillN/AN/A$1.6B0.0%$1.6B0.0%$1.6B0.0%$1.6B+45.5%$1.1BN/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.

WSBC quarterly cash flow statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
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 ExpendituresN/AN/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 FlowN/AN/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.

WSBC quarterly financial ratios
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Net Margin27.8%+0.6pp27.2%+0.4pp26.8%+2.5pp24.4%+7.3pp17.1%+20.6pp-3.5%-26.8pp23.2%+5.8pp17.4%
Return on Equity2.3%+0.1pp2.2%-0.1pp2.3%+0.2pp2.0%+0.5pp1.5%+1.7pp-0.2%-2.0pp1.8%+0.5pp1.3%
Return on Assets0.3%0.0pp0.3%0.0pp0.3%0.0pp0.3%+0.1pp0.2%+0.2pp0.0%-0.3pp0.3%+0.1pp0.2%
Debt-to-Equity5.760.0x5.75-0.1x5.87+0.2x5.68-0.5x6.220.0x6.25+0.6x5.70+0.1x5.61
FCF MarginN/AN/A27.2%-6.3pp33.5%+4.3pp29.2%+41.4pp-12.1%-41.6pp29.4%+2.8pp26.6%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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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%.

Wesbanco Inc (WSBC) reported diluted earnings per share of $2.23 for fiscal year 2025. This represents a -1.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

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.

Yes, Wesbanco Inc (WSBC) paid $1.49 per share in dividends during fiscal year 2025.

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.

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.

Wesbanco Inc (WSBC) generated $290.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Wesbanco Inc (WSBC) had $27.7B in total assets as of fiscal year 2025, including both current and long-term assets.

Wesbanco Inc (WSBC) invested $10.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Wesbanco Inc (WSBC) had 96M shares outstanding as of fiscal year 2025.

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.

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.

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.

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.

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.

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