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WesBanco Inc (WSBC) Financials

WSBC
FY2025 annual
Revenue $981.1M +61.8% YoY
Net Income $223.1M +47.3% YoY
EPS (Diluted) $2.23 -1.3% YoY
Free Cash Flow $280.0M +39.5% YoY
Market Cap $3.5B as of Oct 13, 2026
Price / Sales 3.3x on $1.1B revenue, trailing 12 months to June 30, 2026
Price / Earnings 9.9x on $356.0M net income, trailing 12 months to June 30, 2026
Price / Book 0.9x on $4.1B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WSBC SEC filings page.

WesBanco Inc (WSBC) reported $981.1M in revenue for fiscal year 2025, up 61.8% 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

WesBanco expanded its balance sheet sharply in FY2025, but returns stayed modest as funding costs absorbed much of the growth.

Revenue rose 61.8% in FY2025, yet return on assets remained 0.8%, indicating the enlarged asset base generated no improvement in efficiency. Goodwill also reached $1.6B, showing that the expansion materially reshaped the balance sheet, not just operating volume.

Cash conversion was stronger than the income statement alone suggests: FY2025 operating cash flow was $290M against net income of $223M, while free cash flow was $280M. The same relationship appeared in FY2024, so reported earnings were accompanied by cash generation rather than being purely accrual-driven.

The company remains structurally liability-funded: FY2025 liabilities were $23.7B against equity of $4.0B. Debt-to-equity was 5.9x in FY2025, close to 5.7x in FY2024, so the larger balance sheet did not materially change its financing posture.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Earnings Growth Capital Efficiency CreditQuality Stability 58 / 100
Financial Health Score 58/100
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

WesBanco Inc earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and WesBanco Inc scores 46/100 among other banks.

Growth
84

WesBanco Inc reported revenue of $981.1M in fiscal year 2025, against $606.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and WesBanco Inc scores 84/100 among other banks.

Capital
78

WesBanco Inc funded 14.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $4.0B of equity against $27.7B of assets. Capital ranks banks on that cushion, and WesBanco Inc scores 78/100 among other banks.

Efficiency
48

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. WesBanco Inc scores 48/100 on it among other banks.

Credit Quality
25

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. WesBanco Inc scores 25/100 on it among other banks.

Stability
64

WesBanco Inc reported net income of $223.1M in fiscal year 2025, against $151.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and WesBanco Inc scores 64/100 among other banks.

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
$275.8M
YoY+5.8%
QoQ+7.2%
5Y CAGR+12.7%
10Y CAGR+13.3%

WesBanco Inc generated $275.8M in revenue in Q2 2026. This represents an increase of 5.8% from the same quarter a year earlier. Against the prior quarter it is up 7.2%.

Net Income
$92.7M
YoY+61.4%
QoQ+4.6%
5Y CAGR+5.6%
10Y CAGR+15.4%

WesBanco Inc reported $92.7M in net income in Q2 2026. This represents an increase of 61.4% from the same quarter a year earlier. Against the prior quarter it is up 4.6%.

EPS (Diluted)
$0.91
YoY+59.6%
QoQ+3.4%
5Y CAGR-2.1%
10Y CAGR+4.6%

WesBanco Inc earned $0.91 per diluted share (EPS) in Q2 2026. This represents an increase of 59.6% from the same quarter a year earlier. Against the prior quarter it is up 3.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt
$871.8M
YoY-24.7%
QoQ-9.2%
5Y CAGR+0.6%
10Y CAGR+25.8%

WesBanco Inc held $871.8M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share
$0.38
YoY+2.7%
QoQ0.0%
5Y CAGR+2.9%
10Y CAGR+4.7%

WesBanco Inc paid $0.38 per share in dividends in Q2 2026. This represents an increase of 2.7% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding
96M
YoY-0.1%
QoQ-0.3%
5Y CAGR+8.0%
10Y CAGR+9.6%

WesBanco Inc had 96M shares outstanding in Q2 2026. This represents a decrease of 0.1% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin
33.6%
YoY+11.6pp
QoQ-0.9pp
5Y change-12.8pp
10Y change+5.7pp

WesBanco Inc's net profit margin was 33.6% in Q2 2026, showing the share of revenue converted to profit. This is up 11.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.9 percentage points.

Return on Equity
2.3%
YoY+0.8pp
QoQ+0.1pp
5Y change-0.3pp
10Y change+0.4pp

WesBanco Inc's ROE was 2.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

WSBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WSBC quarterly income statement
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Revenue$275.8M+5.8%$257.2M+33.2%$265.6M+63.0%$261.6M+73.5%$260.7M+76.2%$193.2M+33.6%$162.9M+10.2%$150.8M+1.5%
SG&A Expenses$149.1M-20.1%$146.7M+9.5%$147.9M+46.3%$156.2M+54.4%$186.5M+82.2%$134.0M+37.8%$101.1M+1.6%$101.2M+3.3%
Interest Expense$110.9M-7.3%$110.2M+16.4%$117.1M+34.5%$126.2M+36.3%$119.6M+38.4%$94.7M+16.4%$87.1M+18.4%$92.6M+40.5%
Income Tax$24.8M+83.3%$22.8M+3486.2%$23.5M+91.0%$19.7M+163.1%$13.6M+122.3%-$673K-108.7%$12.3M+43.8%$7.5M+0.6%
Net Income$92.7M+61.4%$88.6M+1085.7%$91.1M+83.6%$83.6M+124.2%$57.4M+98.6%-$9.0M-125.2%$49.6M+41.9%$37.3M+1.2%
EPS (Basic)$0.92+61.4%$0.88+686.7%$0.84+16.7%$0.84+55.6%$0.57+29.5%-$0.15-126.8%$0.72+30.9%$0.54-6.9%
EPS (Diluted)$0.91+59.6%$0.88$0.84$0.84+55.6%$0.57-$0.15-126.8%$0.72+30.9%$0.54-6.9%
Diluted Shares (Avg)97M+0.9%96MN/A96M+48.7%96M77M+29.4%N/A65M+8.7%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

WSBC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WSBC quarterly balance sheet
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Total Assets$27.8B+0.8%$27.5B+0.3%$27.7B+48.2%$27.5B+48.6%$27.6B+52.1%$27.4B+54.2%$18.7B+5.5%$18.5B+6.7%
Cash & Equivalents$871.8M-24.7%$960.4M-12.0%$956.1M+68.3%$1.0B+62.4%$1.2B+137.7%$1.1B+114.2%$568.1M-4.6%$620.9M+25.4%
Short-Term Investments$0$0$0$0$0$0$0$0
Long-Term Investments$0$0$0$0$0$0$0$0
GoodwillN/AN/A$1.6B+45.5%$1.6B$1.6B$1.6B$1.1B0.0%N/A
Total Liabilities$23.7B-0.3%$23.4B-0.9%$23.7B+48.9%$23.4B+48.9%$23.8B+52.4%$23.6B+55.1%$15.9B+4.7%$15.7B+5.5%
Total Equity$4.1B+7.6%$4.1B+7.6%$4.0B+44.5%$4.1B+46.9%$3.8B+50.1%$3.8B+49.0%$2.8B+10.2%$2.8B+14.4%
Retained Earnings$1.4B+16.1%$1.3B+13.6%$1.3B+5.1%$1.2B+3.5%$1.2B+0.5%$1.1B-0.8%$1.2B+4.3%$1.2B+3.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WSBC quarterly cash flow statement
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Operating Cash Flow$77.7M-26.0%$106.6M+503.4%$94.9M+40.8%$116.9M+92.4%$105.0M+477.4%-$26.4M-140.9%$67.4M+42.4%$60.7M-5.1%
Capital ExpendituresN/AN/A-$2.7M-42.3%$2.0M-48.3%$6.8M+681.5%$4.3M+56.6%$4.6M+57.1%$3.8M+44.0%
Free Cash FlowN/AN/A$92.3M+46.8%$114.9M+101.9%$98.3M+467.2%-$30.7M-149.7%$62.8M+41.4%$56.9M-7.2%
Investing Cash Flow-$387.2M-298.9%$160.5M-55.4%-$215.5M+19.4%-$118.0M+49.4%-$97.1M+72.9%$359.5M+310.2%-$267.3M-19.7%-$233.1M-169.0%
Financing Cash Flow$220.9M+285.3%-$262.8M-238.0%$68.4M-53.5%-$147.7M-148.2%$57.3M-82.0%$190.5M+819.4%$147.1M-46.7%$306.5M+787.2%
Dividends Paid$36.2M+2.9%$36.9M+50.3%$30.3M+27.2%$35.2M+66.0%$35.2M+66.1%$24.5M+15.8%$23.8M+15.8%$21.2M+3.1%

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Share Buybacks.

WSBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

WSBC quarterly financial ratios
MetricQ2'2610-QQ1'2610-QQ4'2510-QQ3'2510-QQ2'2510-QQ1'2510-QQ4'2410-KQ3'2410-Q
Net Margin33.6%+11.6pp34.5%+39.1pp34.3%+3.8pp31.9%+7.2pp22.0%+2.5pp-4.7%-29.3pp30.5%+6.8pp24.7%-0.1pp
Return on Equity2.3%+0.8pp2.2%+2.4pp2.3%+0.5pp2.0%+0.7pp1.5%+0.4pp-0.2%-1.7pp1.8%+0.4pp1.3%-0.2pp
Return on Assets0.3%+0.1pp0.3%+0.4pp0.3%+0.1pp0.3%+0.1pp0.2%0.0pp0.0%-0.2pp0.3%+0.1pp0.2%0.0pp
Debt-to-Equity5.76-0.5x5.75-0.5x5.87+0.2x5.68+0.1x6.22+0.1x6.25+0.2x5.70-0.3x5.61-0.5x
Asset Turnover0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x
FCF MarginN/AN/A34.7%-3.8pp43.9%+6.2pp37.7%+26.0pp-15.9%-58.7pp38.6%+8.5pp37.8%-3.5pp

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

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company Fiscal year Revenue Net income Net margin Market cap Health score
WesBanco Inc WSBC FY2025 $981.1M $223.1M 22.7% $3.5B 58/100
Simmons First National Corp SFNC FY2025 $103.2M -$379.6M N/A $3.2B 21/100
First Interstate BancSystem, Inc. FIBK FY2025 $1.1B $302.1M 28.5% $3.3B 55/100
First Hawaiian, Inc. FHB FY2025 $880.8M $276.3M 31.4% $3.0B 51/100
WSFS Financial Corp WSFS FY2025 $1.1B $287.3M 27.0% $3.9B 55/100
Community Financial System, Inc. CBU FY2025 $823.0M $210.5M 25.6% $3.1B 58/100

Frequently Asked Questions

What is WesBanco Inc's annual revenue?

WesBanco Inc (WSBC) reported $981.1M in total revenue for fiscal year 2025. This represents a 61.8% 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 61.8% year-over-year, from $606.2M to $981.1M 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 22.7%.

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 22.7% 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) trades at 9.9x earnings, its market capitalization divided by net income of $356.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $3.5B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

WesBanco Inc (WSBC) trades at 3.3x sales, its market capitalization divided by revenue of $1.1B revenue, trailing 12 months to June 30, 2026. The market capitalization is $3.5B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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 58 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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