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WESBANCO INC D/S SER B Financials

WSBCL
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 Q1 FY2026, ended Mar 31, 2026 Reported Currency USD FYE December

WESBANCO INC D/S SER B (WSBCL) 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 WSBCL FY2025

WSBCL’s balance-sheet-heavy model converts rising revenue into only modest return gains because funding costs scale up too.

Across FY2021-FY2025, revenue expanded sharply while ROA slipped from 1.4% to 0.8%; the company generated more activity without earning more from each dollar tied up on the balance sheet. At the same time, interest expense reached $458M while net income was $223M, showing how funding costs now absorb a large share of the economics.

In FY2025, operating cash flow was $290M and capital spending only $10M, so free cash flow is constrained far more by the financing structure than by physical reinvestment needs. Because free cash flow stays close to operating cash flow, accounting earnings are not being propped up by underinvestment in plants or equipment.

Diluted shares rose to 96.1M in FY2025 while EPS was only $2.23, so part of the company’s expansion was spread across a much larger share base. That makes per-share economics a separate question from whether the enterprise itself is growing.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Financial health score not available

WESBANCO INC D/S SER B does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial
4/6

WESBANCO INC D/S SER B 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 D/S SER B 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 D/S SER B 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 D/S SER B 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 D/S SER B 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 D/S SER B 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 D/S SER B 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 D/S SER B 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 D/S SER B 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 D/S SER B'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 D/S SER B'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 D/S SER B 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.

WSBCL Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

WSBCL quarterly income statement
MetricQ1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24Q2'24
Revenue$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+5.3%$203.0M
SG&A Expenses$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-1.2%$102.4M
Interest Expense$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+7.2%$86.4M
Income Tax$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+23.0%$6.1M
Net Income$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+28.9%$28.9M
EPS (Diluted)$0.88N/A$0.84+47.4%$0.57-$0.15N/A$0.54+22.7%$0.44

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

WSBCL Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

WSBCL quarterly balance sheet
MetricQ1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24Q2'24
Total Assets$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+2.1%$18.1B
Cash & Equivalents$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+27.5%$486.8M
GoodwillN/A$1.6B0.0%$1.6B0.0%$1.6B0.0%$1.6B+45.5%$1.1BN/AN/A
Total Liabilities$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+0.8%$15.6B
Total Equity$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+10.1%$2.5B
Retained Earnings$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+0.9%$1.2B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.

WSBCL Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

WSBCL quarterly cash flow statement
MetricQ1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24Q2'24
Operating Cash Flow$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+233.9%$18.2M
Capital ExpendituresN/A-$2.7M+33.7%$2.0M-70.7%$6.8M+56.4%$4.3M-5.8%$4.6M+19.7%$3.8M+343.1%-$866K
Free Cash FlowN/A$92.3M-19.7%$114.9M+16.9%$98.3M+419.6%-$30.7M-148.9%$62.8M+10.4%$56.9M+228.4%$17.3M
Investing Cash Flow$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+35.0%-$358.7M
Financing Cash Flow-$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-3.5%$317.6M
Dividends Paid$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+0.2%$21.2M

Not reported in any period shown, so not listed: Share Buybacks.

WSBCL Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

WSBCL quarterly financial ratios
MetricQ1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24Q2'24
Net Margin27.2%+0.4pp26.8%+2.5pp24.4%+7.3pp17.1%+20.6pp-3.5%-26.8pp23.2%+5.8pp17.4%+3.2pp14.2%
Return on Equity2.2%-0.1pp2.3%+0.2pp2.0%+0.5pp1.5%+1.7pp-0.2%-2.0pp1.8%+0.5pp1.3%+0.2pp1.1%
Return on Assets0.3%0.0pp0.3%0.0pp0.3%+0.1pp0.2%+0.2pp0.0%-0.3pp0.3%+0.1pp0.2%0.0pp0.2%
Debt-to-Equity5.75-0.1x5.87+0.2x5.68-0.5x6.220.0x6.25+0.6x5.70+0.1x5.61-0.5x6.13
FCF MarginN/A27.2%-6.3pp33.5%+4.3pp29.2%+41.4pp-12.1%-41.6pp29.4%+2.8pp26.6%+18.1pp8.5%

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

Frequently Asked Questions

What is WESBANCO INC D/S SER B's annual revenue?

WESBANCO INC D/S SER B (WSBCL) 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 D/S SER B's revenue growing?

WESBANCO INC D/S SER B (WSBCL) revenue grew by 54.1% year-over-year, from $825.6M to $1.3B in fiscal year 2025.

Is WESBANCO INC D/S SER B profitable?

Yes, WESBANCO INC D/S SER B (WSBCL) reported a net income of $223.1M in fiscal year 2025, with a net profit margin of 17.5%.

WESBANCO INC D/S SER B (WSBCL) 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 D/S SER B (WSBCL) 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 D/S SER B (WSBCL) paid $1.49 per share in dividends during fiscal year 2025.

WESBANCO INC D/S SER B (WSBCL) has a return on equity of 5.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

WESBANCO INC D/S SER B (WSBCL) 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 D/S SER B (WSBCL) generated $290.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

WESBANCO INC D/S SER B (WSBCL) had $27.7B in total assets as of fiscal year 2025, including both current and long-term assets.

WESBANCO INC D/S SER B (WSBCL) invested $10.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

WESBANCO INC D/S SER B (WSBCL) had 96M shares outstanding as of fiscal year 2025.

WESBANCO INC D/S SER B (WSBCL) 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 D/S SER B (WSBCL) 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 D/S SER B (WSBCL) 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 D/S SER B (WSBCL) 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.

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