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Wesbanco (WSBCP) Financials

WSBCP
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

Newest figures come from the 10-Q for Q1 FY2026, filed Apr 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WSBCP SEC filings page.

Wesbanco (WSBCP) 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 WSBCP FY2025

Balance-sheet expansion is accelerating revenue, while funding-cost drag keeps returns subdued.

Revenue rose 54.0% in FY2025, while assets expanded 48.2%. The near-matched liability expansion and unchanged 0.8% ROA indicate that scale came mainly through a larger balance sheet, not clearly better asset productivity.

Net income recovered to $223M in FY2025, but net margin remained 17.5%. That margin is well below FY2021's 50.0%, so the recovery reflects scale more than a return to earlier profitability; interest expense reached $458M, a major counterweight to revenue growth.

Operating cash flow of $290M translated into $280M of FCF in FY2025, showing that reported earnings were broadly converting into cash. The small gap reflects low recorded reinvestment needs, making capital spending less of a constraint than funding costs and balance-sheet expansion.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Earnings Growth Capital Efficiency CreditQuality Stability 65 / 100
Financial Health Score 65/100
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'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 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 scores 46/100 among other banks.

Growth
87

Wesbanco reported revenue of $1.3B in fiscal year 2025, against $825.6M 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 scores 87/100 among other banks.

Capital
78

Wesbanco 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 scores 78/100 among other banks.

Efficiency
89

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Wesbanco scores 89/100 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 scores 25/100 on it among other banks.

Stability
64

Wesbanco 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 scores 64/100 among other banks.

Piotroski F-Score Partial
4/6

Wesbanco 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 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
$325.6M
YoY+28.6%
QoQ-4.1%
5Y CAGR+21.1%
10Y CAGR+17.0%

Wesbanco generated $325.6M in revenue in Q1 2026. This represents an increase of 28.6% from the same quarter a year earlier. Against the prior quarter it is down 4.1%.

Net Income
$88.6M
YoY+1085.7%
QoQ-2.7%
5Y CAGR+3.9%
10Y CAGR+14.5%

Wesbanco reported $88.6M in net income in Q1 2026. This represents an increase of 1085.7% from the same quarter a year earlier. Against the prior quarter it is down 2.7%.

EPS (Diluted)
$0.88

Wesbanco earned $0.88 per diluted share (EPS) in Q1 2026.

EBITDA

Not reported for Q1 2026.

Cash & Balance Sheet

Cash & Debt
$960.4M
YoY-12.0%
QoQ+0.4%
5Y CAGR+4.8%
10Y CAGR+19.0%

Wesbanco held $960.4M in cash as of Q1 2026; long-term debt is not reported for that period.

Dividends Per Share
$0.38

Wesbanco paid $0.38 per share in dividends in Q1 2026.

Shares Outstanding
96M
QoQ+0.1%
5Y CAGR+7.4%
10Y CAGR+9.6%

Wesbanco had 96M shares outstanding in Q1 2026. Against the prior quarter it is up 0.1%.

Free Cash Flow

Not reported for Q1 2026.

Margins & Returns

Net Margin
27.2%
YoY+30.8pp
QoQ+0.4pp
5Y CAGR-31.3pp
10Y CAGR-6.6pp

Wesbanco's net profit margin was 27.2% in Q1 2026, showing the share of revenue converted to profit. This is up 30.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Return on Equity
2.2%
YoY+2.4pp
QoQ-0.1pp
5Y CAGR-0.4pp
10Y CAGR+0.2pp

Wesbanco's ROE was 2.2% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 2.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q1 2026.

Operating Margin

Not reported for Q1 2026.

Capital Allocation

None of these metrics is reported for Q1 2026.

WSBCP 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.

WSBCP quarterly income statement
MetricQ1'2610-QQ4'2510-QQ3'2510-QQ2'25Q1'2510-QQ4'2410-KQ3'2410-QQ2'24
Revenue$325.6M+28.6%$339.4M+58.9%$342.9M+60.4%$336.4M+65.7%$253.2M+29.6%$213.6M+11.6%$213.7M+16.4%$203.0M+15.3%
SG&A Expenses$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%$102.4M+6.2%
Interest Expense$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%$86.4M+58.6%
Income Tax$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%$6.1M-32.7%
Net Income$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%$28.9M-35.6%
EPS (Basic)$0.88+686.7%N/A$0.84+55.6%$0.57+29.5%-$0.15-126.8%N/A$0.54-6.9%$0.44-38.0%
EPS (Diluted)$0.88N/A$0.84+55.6%$0.57-$0.15-126.8%N/A$0.54-6.9%$0.44-38.0%
Diluted Shares (Avg)96MN/A96M+48.7%96M77M+29.4%N/A65M+8.7%60M+0.5%

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

WSBCP 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.

WSBCP quarterly balance sheet
MetricQ1'2610-QQ4'2510-QQ3'2510-QQ2'25Q1'2510-QQ4'2410-KQ3'2410-QQ2'24
Total Assets$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%$18.1B+4.4%
Cash & Equivalents$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%$486.8M-13.4%
GoodwillN/A$1.6B+45.5%$1.6B$1.6B$1.6B$1.1B0.0%N/AN/A
Total Liabilities$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%$15.6B+4.6%
Total Equity$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%$2.5B+3.2%
Retained Earnings$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%$1.2B+3.7%

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

WSBCP 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.

WSBCP quarterly cash flow statement
MetricQ1'2610-QQ4'2510-QQ3'2510-QQ2'25Q1'2510-QQ4'2410-KQ3'2410-QQ2'24
Operating Cash Flow$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%$18.2M-61.3%
Capital ExpendituresN/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%-$866K-81.5%
Free Cash FlowN/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%$17.3M-59.1%
Investing Cash Flow$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%-$358.7M-168.9%
Financing Cash Flow-$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%$317.6M+520.7%
Dividends Paid$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%$21.2M+3.0%

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

WSBCP 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.

WSBCP quarterly financial ratios
MetricQ1'2610-QQ4'2510-QQ3'2510-QQ2'25Q1'2510-QQ4'2410-KQ3'2410-QQ2'24
Net Margin27.2%+30.8pp26.8%+3.6pp24.4%+6.9pp17.1%+2.8pp-3.5%-21.8pp23.2%+5.0pp17.4%-2.6pp14.2%-11.3pp
Return on Equity2.2%+2.4pp2.3%+0.5pp2.0%+0.7pp1.5%+0.4pp-0.2%-1.7pp1.8%+0.4pp1.3%-0.2pp1.1%-0.7pp
Return on Assets0.3%+0.4pp0.3%+0.1pp0.3%+0.1pp0.2%0.0pp0.0%-0.2pp0.3%+0.1pp0.2%0.0pp0.2%-0.1pp
Debt-to-Equity5.75-0.5x5.87+0.2x5.68+0.1x6.22+0.1x6.25+0.2x5.70-0.3x5.61-0.5x6.13+0.1x
Asset Turnover0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x0.010.0x
FCF MarginN/A27.2%-2.2pp33.5%+6.9pp29.2%+20.7pp-12.1%-43.8pp29.4%+6.2pp26.6%-6.8pp8.5%-15.5pp

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 WSBCP FY2025 $1.3B $223.1M 17.5% N/A 65/100
Huntingtn Bncshr HBANM FY2025 $8.2B $2.2B 27.1% N/A 44/100
Bridgewater Banc BWBBP FY2025 $143.4M $46.1M 32.1% N/A 60/100
Huntington Bancshares Inc HBANL FY2025 $8.2B $2.2B 27.1% N/A 44/100
Bridge Bancorp, Inc. DCOMP FY2025 $19.9M $110.7M N/A N/A 25/100

Frequently Asked Questions

What is Wesbanco's annual revenue?

Wesbanco (WSBCP) 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's revenue growing?

Wesbanco (WSBCP) revenue grew by 54.1% year-over-year, from $825.6M to $1.3B in fiscal year 2025.

Is Wesbanco profitable?

Yes, Wesbanco (WSBCP) reported a net income of $223.1M in fiscal year 2025, with a net profit margin of 17.5%.

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

Wesbanco (WSBCP) has a return on equity of 5.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

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

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

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

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

Wesbanco (WSBCP) 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 (WSBCP) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Wesbanco (WSBCP) 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 (WSBCP) 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 (WSBCP) scores 65 out of 100 on our Financial Health Score, indicating strong 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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