What is Wesbanco Inc's earnings per share (EPS)?

Wesbanco Inc (WSBCO) 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 Financials

WSBCO

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Wesbanco Inc (WSBCO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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 WSBCO FY2025 2026-04-22

Balance-sheet expansion lifted revenue and cash flow, but funding costs and share growth kept per-share economics nearly flat.

From FY2024 to FY2025, net income rose from $151.5M to $223.1M. Yet diluted EPS slipped from $2.26 to $2.23 because shares outstanding jumped to 96.1M from 66.9M, which means the bigger earnings pool was spread across a much larger capital base rather than translating cleanly to each share.

Margin compression is the clearest long-range pattern: net margin fell from 50.0% in FY2021 to 17.5% in FY2025. Over that same span, funding costs climbed from $27.0M to $457.6M, so a much larger share of revenue is now absorbed before profits reach common shareholders.

Cash conversion remains relatively clean because operating cash flow of $290.4M stayed close to free cash flow of $280.0M in FY2025. With light capital spending and ROA still at 0.8%, this looks like a business whose economics are driven more by balance-sheet funding and spread management than by heavy physical reinvestment.

Financial Health Signals

Financial Profile 32/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Wesbanco Inc's revenue surged 54.1% year-over-year to $1.3B, reflecting rapid business expansion. This strong growth earns a score of 90/100.

Leverage

Wesbanco Inc has elevated debt relative to equity (D/E of 5.87), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Wesbanco Inc converts 22.0% of revenue into free cash flow ($280.0M). This strong cash generation earns a score of 81/100.

Returns

Wesbanco Inc generates a 5.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 24/100. This is up from 5.4% the prior year.

Piotroski F-Score Neutral

4/9

Wesbanco Inc passes 4 of 9 financial strength tests. 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.

EBITDA

N/A

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.

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 against $0 in long-term debt as of fiscal year 2025.

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

Gross Margin

N/A

Operating Margin

N/A

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

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.

WSBCO Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.3B+54.1%	$825.6M+16.0%	$711.5M+38.5%	$513.7M+5.9%	$485.0M-10.4%	$541.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$624.6M+55.4%	$401.9M+3.0%	$390.0M+9.3%	$357.0M+1.1%	$353.1M-0.5%	$354.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$457.6M+31.7%	$347.4M+50.9%	$230.2M+485.1%	$39.3M+45.5%	$27.0M-56.3%	$61.8M
Income Tax	$56.1M+67.0%	$33.6M-4.0%	$35.0M-20.9%	$44.3M-25.7%	$59.6M+158.7%	$23.0M
Net Income	$223.1M+47.3%	$151.5M-4.7%	$159.0M-17.2%	$192.1M-20.7%	$242.3M+98.5%	$122.0M
EPS (Diluted)	$2.23-1.3%	$2.26-10.0%	$2.51-16.9%	$3.02-14.4%	$3.53+99.4%	$1.77

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$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+3.9%	$195.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$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+5.4%	$97.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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+6.2%	$81.4M
Income Tax	$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-20.8%	$7.7M
Net Income	$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-19.0%	$35.7M
EPS (Diluted)	N/A	$0.84+47.4%	$0.57+480.0%	$-0.15	N/A	$0.54+22.7%	$0.44-21.4%	$0.56

WSBCO Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$27.7B+48.2%	$18.7B+5.5%	$17.7B+4.6%	$16.9B0.0%	$16.9B+3.1%	$16.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$956.1M+68.3%	$568.1M-4.6%	$595.4M+45.8%	$408.4M-67.4%	$1.3B+38.2%	$905.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.6B+45.5%	$1.1B0.0%	$1.1B0.0%	$1.1B0.0%	$1.1B0.0%	$1.1B
Total Liabilities	$23.7B+48.9%	$15.9B+4.7%	$15.2B+4.6%	$14.5B+1.9%	$14.2B+4.1%	$13.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$4.0B+44.5%	$2.8B+10.2%	$2.5B+4.4%	$2.4B-9.9%	$2.7B-2.3%	$2.8B
Retained Earnings	$1.3B+5.1%	$1.2B+4.3%	$1.1B+6.0%	$1.1B+10.2%	$977.8M+17.6%	$831.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$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+2.0%	$17.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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-4.5%	$509.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.6B0.0%	$1.6B0.0%	$1.6B0.0%	$1.6B+45.5%	$1.1B	N/A	N/A	N/A
Total Liabilities	$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+2.3%	$15.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$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+0.2%	$2.5B
Retained Earnings	$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+0.4%	$1.2B

WSBCO Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$290.4M+37.6%	$211.0M+24.6%	$169.3M-17.1%	$204.1M-39.3%	$336.3M+464.2%	$59.6M
Capital Expenditures	$10.4M+0.9%	$10.3M-54.1%	$22.5M+181.7%	$8.0M-6.4%	$8.5M+13.0%	$7.6M
Free Cash Flow	$280.0M+39.5%	$200.7M+36.7%	$146.8M-25.2%	$196.2M-40.2%	$327.8M+529.6%	$52.1M
Investing Cash Flow	-$71.0M+93.1%	-$1.0B-92.5%	-$535.2M+49.9%	-$1.1B-225.2%	-$328.5M-668.4%	$57.8M
Financing Cash Flow	$168.6M-78.7%	$791.9M+43.2%	$552.9M+2523.6%	$21.1M-93.8%	$338.1M-38.9%	$553.3M
Dividends Paid	$125.2M+43.3%	$87.4M+6.2%	$82.3M+1.2%	$81.3M-6.0%	$86.5M+1.4%	$85.3M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$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-71.9%	$64.6M
Capital Expenditures	-$2.7M-233.7%	$2.0M-70.7%	$6.8M+56.4%	$4.3M-5.8%	$4.6M+19.7%	$3.8M+543.1%	-$866K-131.3%	$2.8M
Free Cash Flow	$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-72.0%	$61.9M
Investing Cash Flow	-$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-109.7%	-$171.1M
Financing Cash Flow	$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+1433.2%	$20.7M
Dividends Paid	$30.3M-13.9%	$35.2M+0.1%	$35.2M+43.4%	$24.5M+2.8%	$23.8M+12.4%	$21.2M+0.2%	$21.2M0.0%	$21.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

WSBCO Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.5%-0.8pp	18.4%-4.0pp	22.4%-15.0pp	37.4%-12.6pp	50.0%+27.4pp	22.6%
Return on Equity	5.5%+0.1pp	5.4%-0.8pp	6.3%-1.6pp	7.9%-1.1pp	9.0%+4.6pp	4.4%
Return on Assets	0.8%0.0pp	0.8%-0.1pp	0.9%-0.2pp	1.1%-0.3pp	1.4%+0.7pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.87+0.2	5.70-0.3	5.99+0.0	5.98+0.7	5.29+0.3	4.96
FCF Margin	22.0%-2.3pp	24.3%+3.7pp	20.6%-17.6pp	38.2%-29.4pp	67.6%+58.0pp	9.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.8%+2.5pp	24.4%+7.3pp	17.1%+20.6pp	-3.5%-26.8pp	23.2%+5.8pp	17.4%+3.2pp	14.2%-4.0pp	18.3%
Return on Equity	2.3%+0.2pp	2.0%+0.5pp	1.5%+1.7pp	-0.2%-2.0pp	1.8%+0.5pp	1.3%+0.2pp	1.1%-0.3pp	1.4%
Return on Assets	0.3%+0.0pp	0.3%+0.1pp	0.2%+0.2pp	-0.0%-0.3pp	0.3%+0.1pp	0.2%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.87+0.2	5.68-0.5	6.22-0.0	6.25+0.6	5.70+0.1	5.61-0.5	6.13+0.1	6.00
FCF Margin	27.2%-6.3pp	33.5%+4.3pp	29.2%+41.4pp	-12.1%-41.6pp	29.4%+2.8pp	26.6%+18.1pp	8.5%-23.1pp	31.7%

Frequently Asked Questions

What is Wesbanco Inc's annual revenue?

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

What is Wesbanco Inc's return on equity (ROE)?

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

How many shares does Wesbanco Inc have outstanding?

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

What is Wesbanco Inc's debt-to-equity ratio?

Wesbanco Inc (WSBCO) 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 (WSBCO) 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 (WSBCO) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. 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 (WSBCO) 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 (WSBCO) scores 32 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.