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WesBanco, Inc. (WSBCO) Financials

WSBCO
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
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 WSBCO SEC filings page.

WesBanco, Inc. (WSBCO) 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 WSBCO FY2025

The 2025 expansion came from a much larger balance sheet, while margins and per-share earnings barely improved.

Scale increased faster than efficiency: revenue rose 61.8% from FY2024 while assets grew 48.2%, yet net margin slipped from 25.0% to 22.7%. That combination points to growth requiring substantially more financial resources rather than simply producing more profit from the existing platform.

Reported net income increased to $223.1M in FY2025, but diluted EPS edged down to $2.23 from $2.26 because shares outstanding expanded to 96.1M. The business therefore produced more total earnings without delivering corresponding per-share progress.

Cash conversion remained close to accounting earnings: operating cash flow was $290.4M and free cash flow was $280.0M, with capital expenditures of only $10.4M. At the same time, reported leverage remained high at 5.9x debt to equity, so the operating model generates cash with limited reinvestment but relies heavily on liabilities relative to owners' capital.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Financial health score not available

WesBanco, Inc. 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. 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.

WSBCO 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.

WSBCO 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.

WSBCO 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.

WSBCO 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.

WSBCO 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.

WSBCO 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.

WSBCO 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.

WSBCO 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.

Frequently Asked Questions

What is WesBanco, Inc.'s annual revenue?

WesBanco, Inc. (WSBCO) 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. (WSBCO) 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. (WSBCO) reported a net income of $223.1M in fiscal year 2025, with a net profit margin of 22.7%.

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

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.

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.

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

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

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

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

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.

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.

WesBanco, Inc. (WSBCO) 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. (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.

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