Wesbanco Financials
This page shows Wesbanco (WSBCP) 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).
Balance-sheet expansion lifted earnings at WesBanco, but per-share results barely moved because the company became much larger.
From FY2024 to FY2025, net income rose from$151.5M to$223.1M , but diluted EPS slipped from 2.26 to 2.23 because shares outstanding jumped from 66.9M to 96.1M. That means the latest earnings recovery came with meaningful dilution: more total profit did not translate into more profit for each share.
The business remains asset-heavy and leverage-driven: FY2025 assets reached
Cash generation looks broadly aligned with accounting profit and the model is light on physical reinvestment: FY2025 operating cash flow was
Financial Health Signals
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'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.
Wesbanco's revenue surged 54.1% year-over-year to $1.3B, reflecting rapid business expansion. This strong growth earns a score of 90/100.
Wesbanco 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.
Wesbanco converts 22.0% of revenue into free cash flow ($280.0M). This strong cash generation earns a score of 81/100.
Wesbanco 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.
Wesbanco 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.
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
Earnings & Revenue
Wesbanco generated $1.3B in revenue in fiscal year 2025. This represents an increase of 54.1% from the prior year.
Wesbanco reported $223.1M in net income in fiscal year 2025. This represents an increase of 47.3% from the prior year.
Wesbanco 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
Wesbanco 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.
Wesbanco held $956.1M in cash against $0 in long-term debt as of fiscal year 2025.
Wesbanco paid $1.49 per share in dividends in fiscal year 2025. This represents an increase of 2.8% from the prior year.
Wesbanco had 96M shares outstanding in fiscal year 2025. This represents an increase of 43.6% from the prior year.
Margins & Returns
Wesbanco'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.
Wesbanco'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
Wesbanco 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.
WSBCP Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 | $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 |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 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) | $0.88 | N/A | $0.84+47.4% | $0.57+480.0% | $-0.15 | N/A | $0.54+22.7% | $0.44 |
WSBCP Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 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 |
| 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 | N/A | $1.6B0.0% | $1.6B0.0% | $1.6B0.0% | $1.6B+45.5% | $1.1B | N/A | N/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 |
| 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 | $4.1B+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 |
WSBCP Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 Expenditures | N/A | -$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 |
| Free Cash Flow | N/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 |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
WSBCP Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 27.2%+0.4pp | 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% |
| Return on Equity | 2.2%-0.1pp | 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% |
| Return on Assets | 0.3%0.0pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 5.75-0.1 | 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 |
| FCF Margin | N/A | 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% |
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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%.
What is Wesbanco's net profit margin?
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.
Does Wesbanco pay dividends?
Yes, Wesbanco (WSBCP) paid $1.49 per share in dividends during fiscal year 2025.
What is Wesbanco's return on equity (ROE)?
Wesbanco (WSBCP) 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's free cash flow?
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.
What is Wesbanco's operating cash flow?
Wesbanco (WSBCP) generated $290.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Wesbanco's total assets?
Wesbanco (WSBCP) had $27.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Wesbanco's capital expenditures?
Wesbanco (WSBCP) invested $10.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Wesbanco's debt-to-equity ratio?
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.
What is Wesbanco's return on assets (ROA)?
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.
What is Wesbanco's Piotroski F-Score?
Wesbanco (WSBCP) 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's earnings high quality?
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.
How financially healthy is Wesbanco?
Wesbanco (WSBCP) 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.