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WesBanco (WSBCP) Financials

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$25.08 -0.02 (-0.08%)
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Annual Income Statements for WesBanco

Annual Income Statements for WesBanco

This table shows WesBanco's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 70 81 87 94 143 159 119 232 182 149 141
Consolidated Net Income / (Loss)		 70 81 87 94 143 159 122 242 192 159 152
Net Income / (Loss) Continuing Operations		 70 81 87 94 143 159 122 242 192 159 152
Total Pre-Tax Income 		94 109 118 148 175 193 145 302 236 194 185
Total Revenue		 262 311 335 379 448 517 608 591 592 602 606
Net Interest Income / (Expense)		 193 237 253 290 347 400 479 458 474 481 478
Total Interest Income		 216 262 286 332 415 484 541 485 514 712 826
Loans and Leases Interest Income		 172 204 227 272 332 393 466 416 422 597 710
Investment Securities Interest Income		 43 56 57 58 78 86 71 67 85 92 89
Other Interest Income		 0.99 1.64 2.22 2.30 5.32 5.43 5.01 2.44 6.31 22 27
Total Interest Expense		 23 25 33 42 68 84 62 27 39 230 347
Deposits Interest Expense		 17 16 16 20 32 43 27 14 24 152 265
Short-Term Borrowings Interest Expense		 1.33 0.37 0.48 1.44 3.72 5.40 1.73 0.23 0.57 2.55 3.95
Long-Term Debt Interest Expense		 4.17 8.83 16 21 32 35 33 13 15 76 79
Total Non-Interest Income		 69 74 81 89 100 117 128 133 117 120 128
Trust Fees by Commissions		 28 30 6.45 6.67 7.19 34 33 36 37 38 41
Other Service Charges		 34 39 68 76 39 72 84 82 71 69 76
Net Realized & Unrealized Capital Gains on Investments		 1.50 1.30 3.15 1.23 -0.38 5.05 4.37 5.93 -1.30 2.42 1.55
Other Non-Interest Income		 4.61 4.86 4.06 4.79 55 5.91 7.36 8.94 11 11 9.54
Provision for Credit Losses		 6.41 8.35 8.48 9.99 7.76 11 108 -64 -1.66 18 19
Total Non-Interest Expense		 162 194 209 221 265 312 355 353 357 390 402
Salaries and Employee Benefits		 89 104 112 127 145 172 195 195 205 224 224
Net Occupancy & Equipment Expense		 24 27 29 33 36 43 52 57 59 62 66
Marketing Expense		 5.24 5.65 5.39 5.72 5.37 6.06 5.96 8.63 9.34 11 9.76
Other Operating Expenses		 37 39 41 49 54 65 78 74 72 80 87
Amortization Expense		 1.92 3.14 3.60 4.94 6.98 10 13 11 10 9.09 8.25
Restructuring Charge		 1.31 11 13 0.95 18 16 9.73 6.72 1.72 3.83 6.40
Income Tax Expense		 24 28 31 54 31 34 23 60 44 35 34
Preferred Stock Dividends Declared		 - - - - 0.00 0.00 2.64 10 10 10 10
Basic Earnings per Share		 $2.39 $2.15 $2.16 $2.15 $2.93 $2.83 $1.78 $3.54 $3.03 $2.51 $2.26
Weighted Average Basic Shares Outstanding		 29.25M 37.49M 40.10M 44.00M 48.89M 56.11M 67.26M 65.52M 60.05M 59.30M 62.59M
Diluted Earnings per Share		 $2.39 $2.15 $2.16 $2.14 $2.92 $2.83 $1.77 $3.53 $3.02 $2.51 $2.26
Weighted Average Diluted Shares Outstanding		 29.33M 37.55M 40.13M 44.08M 49.02M 56.21M 67.31M 65.67M 60.22M 59.43M 62.65M
Weighted Average Basic & Diluted Shares Outstanding		 29.30M 37.60M 40.10M 43.90M 54.60M 67.54M 67.26M 61.31M 59.20M 59.38M 66.94M
Cash Dividends to Common per Share		 $0.88 $0.92 $0.96 $1.04 $1.16 $1.24 $1.28 $1.32 $1.37 $1.41 $1.45

Quarterly Income Statements for WesBanco

This table shows WesBanco's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 51 50 40 42 34 32 33 26 35 47 -12
Consolidated Net Income / (Loss)		 53 52 42 45 37 35 36 29 37 50 -8.99
Net Income / (Loss) Continuing Operations		 53 52 42 45 37 35 36 29 37 50 -8.99
Total Pre-Tax Income 		65 64 52 54 44 44 43 35 45 62 -9.67
Total Revenue		 157 158 152 153 149 148 145 148 151 163 193
Net Interest Income / (Expense)		 125 130 124 122 118 118 114 117 121 127 159
Total Interest Income		 134 149 161 176 184 191 195 203 214 214 253
Loans and Leases Interest Income		 110 123 133 146 155 162 167 175 184 183 218
Investment Securities Interest Income		 22 24 24 23 23 22 22 21 22 23 27
Other Interest Income		 2.11 2.11 3.27 7.11 5.62 6.38 6.37 6.15 7.37 7.31 8.05
Total Interest Expense		 9.62 19 36 54 66 74 81 86 93 87 95
Deposits Interest Expense		 5.95 12 21 33 44 54 60 65 70 70 76
Short-Term Borrowings Interest Expense		 0.15 0.33 0.42 0.49 0.75 0.89 0.67 0.90 1.09 1.29 1.12
Long-Term Debt Interest Expense		 3.52 6.37 15 21 21 19 21 20 21 16 17
Total Non-Interest Income		 32 28 28 32 31 30 31 31 30 36 35
Trust Fees by Commissions		 9.01 9.23 10 9.44 9.10 9.58 11 9.90 10 10 11
Other Service Charges		 19 18 15 18 20 16 17 18 17 23 20
Net Realized & Unrealized Capital Gains on Investments		 2.70 -0.05 0.38 1.08 -0.37 1.33 0.69 0.17 0.44 0.25 -0.36
Other Non-Interest Income		 2.00 0.54 1.96 3.19 2.40 3.46 2.07 2.79 2.17 2.51 3.43
Provision for Credit Losses		 -0.54 3.12 3.58 3.03 6.33 4.80 4.01 11 4.80 -0.15 69
Total Non-Interest Expense		 92 90 96 96 98 100 97 102 101 101 134
Salaries and Employee Benefits		 55 52 54 56 57 57 55 55 56 57 62
Net Occupancy & Equipment Expense		 15 15 16 15 15 16 17 17 16 17 21
Marketing Expense		 2.38 1.79 2.33 2.76 3.12 2.98 1.89 2.37 2.98 2.53 2.38
Other Operating Expenses		 17 19 19 20 19 22 21 23 21 22 25
Amortization Expense		 2.56 2.54 2.30 2.28 2.26 2.24 2.09 2.07 2.05 2.03 4.22
Restructuring Charge		 0.07 0.01 3.15 0.04 0.64 0.00 0.00 3.78 1.98 0.65 20
Income Tax Expense		 12 12 9.94 9.06 7.45 8.56 7.70 6.10 7.50 12 -0.67
Preferred Stock Dividends Declared		 2.53 2.53 2.53 2.53 2.53 2.53 2.53 2.53 2.53 2.53 2.53
Basic Earnings per Share		 $0.85 $0.83 $0.67 $0.71 $0.58 $0.55 $0.56 $0.44 $0.54 $0.72 ($0.15)
Weighted Average Basic Shares Outstanding		 59.55M 60.05M 59.22M 59.26M 59.36M 59.30M 59.38M 59.52M 64.49M 62.59M 76.83M
Diluted Earnings per Share		 $0.85 $0.82 $0.67 $0.71 $0.58 $0.55 $0.56 $0.44 $0.54 $0.72 ($0.15)
Weighted Average Diluted Shares Outstanding		 59.70M 60.22M 59.38M 59.39M 59.44M 59.43M 59.52M 59.66M 64.63M 62.65M 77.02M
Weighted Average Basic & Diluted Shares Outstanding		 59.16M 59.20M 59.25M 59.36M 59.37M 59.38M 59.42M 59.59M 66.87M 66.94M 95.67M
Cash Dividends to Common per Share		 $0.34 $0.35 $0.35 $0.35 $0.35 $0.36 $0.36 $0.36 $0.36 $0.37 $0.37

Annual Cash Flow Statements for WesBanco

This table details how cash moves in and out of WesBanco's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -1.55 -7.32 41 -11 52 66 671 346 -843 187 -27
Net Cash From Operating Activities		 95 88 123 142 192 163 60 336 204 169 211
Net Cash From Continuing Operating Activities		 95 88 123 142 192 63 60 336 204 169 211
Net Income / (Loss) Continuing Operations		 70 81 87 94 143 159 122 242 192 159 152
Consolidated Net Income / (Loss)		 70 81 87 94 143 159 122 242 192 159 152
Provision For Loan Losses		 6.41 8.35 8.48 9.99 7.76 11 108 -64 -1.66 18 19
Depreciation Expense		 9.13 15 18 19 10 12 14 13 13 14 15
Amortization Expense		 - - - - 3.93 1.00 -9.89 -11 8.89 14 11
Non-Cash Adjustments to Reconcile Net Income		 0.99 -2.77 -9.97 11 8.78 -44 -160 131 11 -18 -12
Changes in Operating Assets and Liabilities, net		 8.31 -13 20 7.22 18 -75 -14 25 -19 -17 26
Net Cash From Investing Activities		 -173 -210 195 -77 -52 104 58 -328 -1,068 -535 -1,030
Net Cash From Continuing Investing Activities		 -173 -210 195 -77 -52 104 58 -328 -1,068 -535 -1,030
Purchase of Property, Leasehold Improvements and Equipment		 -7.37 -9.58 -2.06 -6.04 -4.67 -12 -7.55 -8.54 -7.99 -23 -10
Purchase of Investment Securities		 -447 -1,239 -482 -409 -932 -617 -1,207 -1,273 -1,762 -940 -1,409
Sale and/or Maturity of Investments		 281 1,038 679 338 884 733 1,273 953 701 427 389
Net Cash From Financing Activities		 77 115 -276 -75 -88 -202 553 338 21 553 792
Net Cash From Continuing Financing Activities		 77 115 -276 -75 -88 -202 553 338 21 553 792
Net Change in Deposits		 -13 -234 -217 4.26 -130 -200 1,435 1,140 -433 39 965
Issuance of Debt		 201 942 156 698 726 1,035 475 -100 791 1,576 1,261
Issuance of Common Equity		 1.92 - 1.71 1.04 1.58 0.07 0.06 - 0.00 0.00 191
Repayment of Debt		 -68 -556 -234 -701 -607 -968 -1,382 -426 -130 -966 -1,528
Repurchase of Common Equity		 - -4.79 -3.03 - -0.43 -10 -25 -180 -116 -3.51 0.08
Payment of Dividends		 -25 -33 -38 -45 -54 -67 -88 -97 -91 -92 -98
Cash Interest Paid		 25 28 34 43 69 87 75 33 38 224 344
Cash Income Taxes Paid		 12 16 22 23 19 31 37 36 25 36 27

Quarterly Cash Flow Statements for WesBanco

This table details how cash moves in and out of WesBanco's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -71 30 189 -35 -67 100 -86 -23 134 -53 524
Net Cash From Operating Activities		 111 7.47 11 47 64 47 65 18 61 67 -26
Net Cash From Continuing Operating Activities		 1.55 203 0.08 0.07 0.02 169 0.05 0.11 - 211 0.00
Net Income / (Loss) Continuing Operations		 - 192 0.00 - - 159 0.00 - - 152 0.00
Non-Cash Adjustments to Reconcile Net Income		 - 9.05 0.08 0.07 0.02 -18 0.05 0.11 - -12 0.00
Net Cash From Investing Activities		 65 -293 -92 -133 -87 -223 -171 -359 -233 -267 360
Net Cash From Continuing Investing Activities		 65 -293 -92 -133 -87 -223 -171 -359 -233 -267 360
Purchase of Property, Leasehold Improvements and Equipment		 -2.47 -2.71 -12 -4.68 -2.67 -2.93 -2.76 0.87 -3.84 -4.59 -4.33
Purchase of Investment Securities		 -97 -424 -187 -243 -187 -323 -242 -435 -355 -378 -821
Divestitures		 - - - - - - - - - - 200
Sale and/or Maturity of Investments		 164 134 107 114 103 103 73 75 126 115 984
Net Cash From Financing Activities		 -247 315 270 51 -45 276 21 318 306 147 190
Net Cash From Continuing Financing Activities		 -247 315 270 51 -45 276 21 318 306 147 190
Net Change in Deposits		 -124 -313 -258 -11 229 79 328 -64 405 296 287
Issuance of Debt		 -14 657 1,280 100 - 196 800 375 - 86 900
Issuance of Common Equity		 - - - - - - - - - - 0.03
Repayment of Debt		 -72 -2.16 -729 -11 -251 25 -1,084 32 -266 -210 -970
Repurchase of Common Equity		 -14 -4.08 0.05 -3.67 0.02 0.09 0.01 -1.28 0.27 1.07 0.53
Payment of Dividends		 -23 -23 -23 -23 -23 -23 -24 -24 -24 -26 -27
Cash Interest Paid		 8.28 19 33 53 63 74 77 87 92 89 85
Cash Income Taxes Paid		 6.63 3.08 0.00 24 9.55 1.81 0.00 16 7.75 3.10 0.00

Annual Balance Sheets for WesBanco

This table presents WesBanco's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 6,297 8,470 9,791 9,816 12,459 15,720 16,426 16,927 16,932 17,712 18,684
Cash and Due from Banks		 94 87 128 118 169 235 905 1,251 408 595 568
Trading Account Securities		 1,511 2,422 2,316 2,285 3,147 3,258 2,722 4,018 3,789 3,406 3,412
Loans and Leases, Net of Allowance		 4,042 5,024 6,206 6,296 7,607 0.00 -0.33 9,733 -118 11,508 12,518
Loans and Leases		 4,087 5,066 6,249 6,341 7,656 - - 9,733 - 11,638 12,656
Allowance for Loan and Lease Losses		 45 42 44 45 49 0.00 0.33 0.27 118 131 139
Loans Held for Sale		 5.87 7.90 17 20 8.99 43 168 - 8.25 16 19
Premises and Equipment, Net		 93 112 133 131 167 261 249 229 221 234 219
Intangible Assets		 320 491 593 589 919 1,149 1,163 1,152 1,141 1,132 1,124
Other Assets		 231 326 397 377 441 10,774 11,217 10,238 11,364 821 824
Total Liabilities & Shareholders' Equity		 6,297 8,470 9,791 9,816 12,459 15,720 16,426 16,650 16,932 17,712 18,684
Total Liabilities		 5,508 7,348 8,449 8,421 10,480 13,126 13,669 14,234 14,505 15,179 15,894
Non-Interest Bearing Deposits		 1,061 1,311 1,790 1,847 2,441 3,178 4,071 4,591 4,700 3,963 3,843
Interest Bearing Deposits		 3,988 4,755 5,251 5,197 6,391 7,826 8,359 8,975 8,431 9,206 10,291
Short-Term Debt		 81 81 199 185 291 282 242 - 135 106 192
Accrued Interest Payable		 1.62 1.72 2.20 3.18 4.63 8.08 4.31 - 4.59 11 14
Long-Term Debt		 329 1,148 1,133 1,113 1,244 1,615 741 184 986 1,629 1,279
Other Long-Term Liabilities		 48 51 74 77 109 216 252 208 248 265 275
Total Equity & Noncontrolling Interests		 788 1,122 1,341 1,395 1,979 2,594 2,757 2,693 2,427 2,533 2,790
Total Preferred & Common Equity		 788 1,122 1,341 1,395 1,979 2,594 2,757 2,693 2,427 2,533 2,790
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 144 144 144 144 144
Total Common Equity		 788 1,122 1,341 1,395 1,979 2,594 2,612 2,550 2,282 2,389 2,646
Common Stock		 306 597 772 776 1,280 1,779 1,777 1,777 1,778 1,778 1,967
Retained Earnings		 505 550 597 651 738 825 832 978 1,078 1,143 1,192
Treasury Stock		 -2.15 -2.64 0.00 - -0.27 -9.46 -26 -200 -309 -303 -292
Accumulated Other Comprehensive Income / (Loss)		 -19 -21 -27 -31 -38 1.20 31 -5.12 -262 -227 -219
Other Equity Adjustments		 -1.26 -0.79 -0.57 -1.03 -1.07 -1.30 -1.49 - -1.83 -2.01 -2.08

Quarterly Balance Sheets for WesBanco

This table presents WesBanco's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 16,605 17,275 17,357 17,344 17,773 18,128 18,514 27,412
Cash and Due from Banks		 379 598 562 495 510 487 621 1,092
Trading Account Securities		 3,920 3,717 3,566 3,419 3,322 3,295 3,404 4,321
Loans and Leases, Net of Allowance		 -0.23 -119 11,010 11,189 11,744 12,121 12,311 18,440
Loans and Leases		 - - 11,130 11,316 11,873 12,258 12,451 18,674
Allowance for Loan and Lease Losses		 0.23 119 120 127 129 137 141 234
Loans Held for Sale		 13 13 29 18 12 25 22 243
Premises and Equipment, Net		 221 225 220 226 233 222 222 281
Intangible Assets		 1,144 1,139 1,137 1,135 1,130 1,128 1,126 1,755
Other Assets		 10,928 11,584 834 863 822 850 808 1,281
Total Liabilities & Shareholders' Equity		 16,605 17,275 17,357 17,344 17,773 18,128 18,514 27,412
Total Liabilities		 14,209 14,799 14,892 14,896 15,234 15,584 15,713 23,631
Non-Interest Bearing Deposits		 4,737 4,479 4,286 4,170 3,939 3,826 3,778 5,319
Interest Bearing Deposits		 8,708 8,394 8,575 8,920 9,558 9,606 10,060 15,974
Short-Term Debt		 128 111 101 107 73 106 141 148
Accrued Interest Payable		 4.36 7.67 8.87 11 16 15 16 27
Long-Term Debt		 338 1,562 1,662 1,407 1,379 1,754 1,454 1,837
Other Long-Term Liabilities		 294 245 259 281 270 276 264 327
Total Equity & Noncontrolling Interests		 2,396 2,475 2,465 2,448 2,538 2,544 2,802 3,782
Total Preferred & Common Equity		 2,396 2,475 2,465 2,448 2,538 2,544 2,802 3,782
Preferred Stock		 144 144 144 144 144 144 144 144
Total Common Equity		 2,251 2,331 2,321 2,303 2,394 2,400 2,657 3,637
Common Stock		 1,776 1,778 1,773 1,775 1,779 1,773 1,965 2,685
Retained Earnings		 1,049 1,097 1,118 1,132 1,154 1,159 1,170 1,145
Treasury Stock		 -305 -308 -304 -303 -302 -295 -294 0.00
Accumulated Other Comprehensive Income / (Loss)		 -267 -234 -265 -298 -235 -235 -182 -191
Other Equity Adjustments		 -1.81 -1.94 -2.02 -2.04 -2.04 -2.06 -2.08 -2.13

Annual Metrics And Ratios for WesBanco

This table displays calculated financial ratios and metrics derived from WesBanco's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.73% 19.00% 7.51% 13.23% 18.04% 15.44% 17.62% -2.79% 0.17% 1.70% 0.73%
EBITDA Growth		 12.09% 20.36% 9.63% 23.53% 12.71% 8.93% -27.44% 103.75% -15.09% -14.04% -4.68%
EBIT Growth		 10.63% 16.53% 7.78% 26.02% 17.69% 10.71% -24.91% 108.06% -21.68% -17.92% -4.60%
NOPAT Growth		 9.46% 15.42% 7.27% 9.06% 51.47% 11.01% -23.18% 98.50% -20.70% -17.22% -4.73%
Net Income Growth		 9.46% 15.42% 7.27% 9.06% 51.47% 11.01% -23.18% 98.50% -20.70% -17.22% -4.73%
EPS Growth		 9.63% -10.04% 0.47% -0.93% 36.45% -3.08% -37.46% 99.44% -14.45% -16.89% -9.96%
Operating Cash Flow Growth		 -14.96% -6.77% 39.25% 15.44% 35.06% -14.87% -63.51% 464.20% -39.30% -17.06% 24.61%
Free Cash Flow Firm Growth		 -182.68% -1,155.37% 78.06% 131.95% -1,001.61% -20.95% 206.63% 26.47% -143.34% -17.11% 128.15%
Invested Capital Growth		 14.90% 96.25% 13.69% 0.72% 30.48% 27.85% -16.74% -23.07% 23.32% 20.29% -0.15%
Revenue Q/Q Growth		 0.52% 5.10% 3.89% 0.78% 7.76% -1.16% 9.44% -5.39% 2.89% -1.60% 2.55%
EBITDA Q/Q Growth		 9.04% 20.73% 13.81% 13.91% 14.93% -10.53% 50.62% -9.01% 3.66% -0.85% 20.84%
EBIT Q/Q Growth		 1.51% 9.48% 1.32% 4.38% 9.80% -12.10% 68.43% -6.37% -0.93% -9.57% 11.04%
NOPAT Q/Q Growth		 1.69% 8.73% 1.43% -8.09% 24.36% -4.54% 15.61% 0.54% -1.00% -9.78% 10.71%
Net Income Q/Q Growth		 1.69% 8.73% 1.43% -8.09% 24.36% -4.54% 15.61% 0.54% -1.00% -9.78% 10.71%
EPS Q/Q Growth		 2.14% 1.90% -3.14% -8.15% 18.70% -7.21% 9.26% 2.62% -0.33% -9.71% 8.13%
Operating Cash Flow Q/Q Growth		 -14.96% -6.77% 39.25% -34.40% 12.31% -24.96% 66.05% 6.72% -20.52% 30.83% 10.51%
Free Cash Flow Firm Q/Q Growth		 -112.33% -8.40% 23.82% 275.74% 1.52% -2,223.85% 446.98% 1.44% -181.81% 39.28% 153.00%
Invested Capital Q/Q Growth		 5.48% 6.90% 3.06% -1.71% -0.82% 19.96% -8.82% -11.56% 23.98% 7.73% -3.07%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.29% 39.74% 40.52% 44.21% 42.21% 39.83% 24.57% 51.50% 43.66% 36.90% 34.92%
EBIT Margin		 35.80% 35.05% 35.14% 39.11% 39.00% 37.40% 23.87% 51.10% 39.95% 32.25% 30.54%
Profit (Net Income) Margin		 26.74% 25.93% 25.87% 24.92% 31.98% 30.75% 20.08% 41.01% 32.47% 26.43% 24.99%
Tax Burden Percent		 74.68% 73.97% 73.62% 63.71% 82.00% 82.23% 84.12% 80.26% 81.27% 81.95% 81.85%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.32% 26.03% 26.38% 36.29% 18.00% 17.77% 15.88% 19.74% 18.73% 18.05% 18.15%
Return on Invested Capital (ROIC)		 6.25% 4.55% 3.45% 3.52% 4.61% 3.97% 2.97% 7.32% 5.98% 4.07% 3.55%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.25% 4.55% 3.45% 3.52% 4.61% 3.97% 2.97% 7.32% 5.98% 4.07% 3.55%
Return on Net Nonoperating Assets (RNNOA)		 2.87% 3.90% 3.59% 3.38% 3.87% 2.98% 1.60% 1.57% 1.52% 2.34% 2.14%
Return on Equity (ROE)		 9.12% 8.46% 7.03% 6.90% 8.48% 6.95% 4.56% 8.89% 7.50% 6.41% 5.69%
Cash Return on Invested Capital (CROIC)		 -7.62% -60.43% -9.36% 2.80% -21.84% -20.48% 21.23% 33.40% -14.91% -14.35% 3.70%
Operating Return on Assets (OROA)		 1.51% 1.48% 1.29% 1.51% 1.57% 1.37% 0.90% 1.81% 1.40% 1.12% 1.02%
Return on Assets (ROA)		 1.12% 1.09% 0.95% 0.96% 1.29% 1.13% 0.76% 1.45% 1.13% 0.92% 0.83%
Return on Common Equity (ROCE)		 9.12% 8.46% 7.03% 6.90% 8.48% 6.95% 4.44% 8.42% 7.08% 6.04% 5.38%
Return on Equity Simple (ROE_SIMPLE)		 8.88% 7.20% 6.46% 6.77% 7.23% 6.12% 4.43% 9.00% 7.92% 6.28% 5.43%
Net Operating Profit after Tax (NOPAT)		 70 81 87 94 143 159 122 242 192 159 152
NOPAT Margin		 26.74% 25.93% 25.87% 24.92% 31.98% 30.75% 20.08% 41.01% 32.47% 26.43% 24.99%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.02% 43.89% 43.85% 43.82% 41.66% 42.75% 41.67% 44.14% 46.10% 49.36% 49.47%
Operating Expenses to Revenue		 61.76% 62.26% 62.32% 58.25% 59.27% 60.43% 58.39% 59.78% 60.33% 64.81% 66.29%
Earnings before Interest and Taxes (EBIT)		 94 109 118 148 175 193 145 302 236 194 185
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 103 124 136 168 189 206 149 304 258 222 212
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 0.75 1.05 0.99 0.80 0.65 0.66 0.77 0.87 0.74 0.82
Price to Tangible Book Value (P/TBV)		 1.54 1.33 1.89 1.71 1.49 1.17 1.19 1.41 1.74 1.41 1.43
Price to Revenue (P/Rev)		 2.75 2.70 4.22 3.63 3.53 3.26 2.85 3.34 3.36 2.95 3.59
Price to Earnings (P/E)		 10.28 10.40 16.31 14.56 11.04 10.61 14.50 8.51 10.91 11.93 15.39
Dividend Yield		 3.58% 4.22% 2.98% 3.33% 4.01% 4.02% 4.97% 4.23% 4.08% 4.71% 4.46%
Earnings Yield		 9.72% 9.61% 6.13% 6.87% 9.06% 9.43% 6.90% 11.76% 9.17% 8.39% 6.50%
Enterprise Value to Invested Capital (EV/IC)		 0.86 0.84 0.98 0.95 0.84 0.75 0.52 0.37 0.80 0.72 0.76
Enterprise Value to Revenue (EV/Rev)		 3.96 6.37 7.81 6.74 6.58 6.48 3.21 1.78 4.81 5.08 5.32
Enterprise Value to EBITDA (EV/EBITDA)		 10.07 16.02 19.29 15.25 15.59 16.27 13.08 3.46 11.01 13.78 15.23
Enterprise Value to EBIT (EV/EBIT)		 11.05 18.16 22.24 17.23 16.87 17.33 13.46 3.48 12.03 15.77 17.41
Enterprise Value to NOPAT (EV/NOPAT)		 14.80 24.55 30.20 27.04 20.58 21.08 16.00 4.34 14.80 19.24 21.28
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.92 22.43 21.26 17.98 15.35 20.50 32.77 3.13 13.93 18.07 15.28
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 34.00 0.00 0.00 2.24 0.95 0.00 0.00 20.42
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.52 1.10 0.99 0.93 0.78 0.73 0.36 0.07 0.46 0.68 0.53
Long-Term Debt to Equity		 0.42 1.02 0.84 0.80 0.63 0.62 0.27 0.07 0.41 0.64 0.46
Financial Leverage		 0.46 0.86 1.04 0.96 0.84 0.75 0.54 0.21 0.26 0.58 0.60
Leverage Ratio		 8.11 7.73 7.41 7.16 6.60 6.16 6.01 6.12 6.61 6.99 6.84
Compound Leverage Factor		 8.11 7.73 7.41 7.16 6.60 6.16 6.01 6.12 6.61 6.99 6.84
Debt to Total Capital		 34.22% 52.28% 49.82% 48.18% 43.68% 42.25% 26.29% 6.39% 31.61% 40.65% 34.53%
Short-Term Debt to Total Capital		 6.73% 3.46% 7.46% 6.86% 8.27% 6.29% 6.47% 0.00% 3.81% 2.48% 4.51%
Long-Term Debt to Total Capital		 27.48% 48.82% 42.36% 41.32% 35.41% 35.97% 19.82% 6.39% 27.80% 38.17% 30.02%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.86% 5.02% 4.07% 3.39% 3.39%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 65.78% 47.72% 50.18% 51.82% 56.32% 57.75% 69.85% 88.64% 64.32% 55.96% 62.08%
Debt to EBITDA		 3.99 9.93 9.82 7.74 8.12 9.22 6.58 0.60 4.34 7.81 6.95
Net Debt to EBITDA		 3.07 9.23 8.87 7.04 7.23 8.08 0.52 -3.51 2.76 5.13 4.27
Long-Term Debt to EBITDA		 3.20 9.28 8.35 6.64 6.59 7.85 4.96 0.60 3.82 7.34 6.04
Debt to NOPAT		 5.86 15.22 15.37 13.73 10.72 11.95 8.06 0.76 5.84 10.91 9.71
Net Debt to NOPAT		 4.52 14.15 13.89 12.49 9.54 10.47 0.64 -4.41 3.71 7.17 5.96
Long-Term Debt to NOPAT		 4.71 14.21 13.07 11.78 8.69 10.17 6.07 0.76 5.13 10.24 8.44
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.70% 5.27% 5.61% 5.83% 5.43%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -85 -1,072 -235 75 -678 -820 874 1,105 -479 -561 158
Operating Cash Flow to CapEx		 1,285.71% 923.09% 5,971.71% 2,354.27% 4,109.90% 1,338.93% 789.38% 3,940.21% 2,554.94% 752.34% 2,042.98%
Free Cash Flow to Firm to Interest Expense		 -3.75 -43.38 -7.18 1.78 -10.01 -9.72 14.14 40.88 -12.17 -2.44 0.45
Operating Cash Flow to Interest Expense		 4.17 3.57 3.76 3.37 2.83 1.94 0.96 12.44 5.19 0.74 0.61
Operating Cash Flow Less CapEx to Interest Expense		 3.84 3.19 3.69 3.23 2.76 1.79 0.84 12.12 4.99 0.64 0.58
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03
Fixed Asset Turnover		 2.81 3.03 2.73 2.87 3.01 2.41 2.38 2.47 2.63 2.65 2.68
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,198 2,351 2,673 2,693 3,513 4,492 3,740 2,877 3,548 4,268 4,262
Invested Capital Turnover		 0.23 0.18 0.13 0.14 0.14 0.13 0.15 0.18 0.18 0.15 0.14
Increase / (Decrease) in Invested Capital		 155 1,153 322 19 821 978 -752 -863 671 720 -6.37
Enterprise Value (EV)		 1,036 1,983 2,617 2,555 2,945 3,348 1,953 1,052 2,843 3,060 3,224
Market Capitalization		 720 840 1,413 1,375 1,579 1,685 1,731 1,974 1,986 1,776 2,176
Book Value per Share		 $26.92 $29.14 $30.58 $31.69 $36.24 $47.43 $38.86 $40.33 $38.58 $40.23 $39.57
Tangible Book Value per Share		 $16.01 $16.39 $17.06 $18.31 $19.41 $26.42 $21.56 $22.12 $19.29 $21.16 $22.76
Total Capital		 1,198 2,351 2,673 2,693 3,513 4,492 3,740 2,877 3,548 4,268 4,262
Total Debt		 410 1,229 1,332 1,297 1,535 1,898 983 184 1,121 1,735 1,471
Total Long-Term Debt		 329 1,148 1,133 1,113 1,244 1,615 741 184 986 1,629 1,279
Net Debt		 316 1,143 1,204 1,180 1,365 1,663 78 -1,067 713 1,140 903
Capital Expenditures (CapEx)		 7.37 9.58 2.06 6.04 4.67 12 7.55 8.54 7.99 23 10
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 410 1,229 1,332 1,297 1,535 1,898 983 184 1,121 1,735 1,471
Total Depreciation and Amortization (D&A)		 9.13 15 18 19 14 13 4.24 2.39 22 28 27
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.39 $2.15 $2.16 $2.15 $2.93 $2.83 $1.78 $3.54 $3.03 $2.51 $2.26
Adjusted Weighted Average Basic Shares Outstanding		 29.25M 37.49M 40.10M 44.00M 48.89M 56.11M 67.26M 65.52M 60.05M 59.30M 62.59M
Adjusted Diluted Earnings per Share		 $2.39 $2.15 $2.16 $2.14 $2.92 $2.83 $1.77 $3.53 $3.02 $2.51 $2.26
Adjusted Weighted Average Diluted Shares Outstanding		 29.33M 37.55M 40.13M 44.08M 49.02M 56.21M 67.31M 65.67M 60.22M 59.43M 62.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 38.48M 38.34M 43.95M 44.05M 54.60M 67.54M 67.26M 61.31M 59.20M 59.38M 66.94M
Normalized Net Operating Profit after Tax (NOPAT)		 71 89 96 95 158 172 130 248 194 162 157
Normalized NOPAT Margin		 27.11% 28.56% 28.79% 25.08% 35.25% 33.36% 21.43% 41.92% 32.70% 26.95% 25.86%
Pre Tax Income Margin		 35.80% 35.05% 35.14% 39.11% 39.00% 37.40% 23.87% 51.10% 39.95% 32.25% 30.54%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.12 4.42 3.59 3.52 2.58 2.29 2.35 11.17 6.01 0.84 0.53
NOPAT to Interest Expense		 3.07 3.27 2.64 2.24 2.11 1.88 1.97 8.96 4.88 0.69 0.44
EBIT Less CapEx to Interest Expense		 3.79 4.03 3.53 3.38 2.51 2.15 2.23 10.85 5.81 0.75 0.50
NOPAT Less CapEx to Interest Expense		 2.75 2.88 2.58 2.10 2.04 1.74 1.85 8.65 4.68 0.59 0.41
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 35.92% 40.87% 43.64% 47.48% 37.44% 41.90% 72.02% 39.88% 47.60% 58.11% 64.38%
Augmented Payout Ratio		 35.92% 46.80% 47.13% 47.48% 37.73% 48.33% 92.13% 114.13% 108.01% 60.32% 64.33%

Quarterly Metrics And Ratios for WesBanco

This table displays calculated financial ratios and metrics derived from WesBanco's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 5.90% 11.78% 10.06% 10.20% -5.23% -6.22% -4.86% -3.56% 1.48% 10.19% 33.60%
EBITDA Growth		 17.26% -3.65% -3.53% 1.16% -31.44% -31.28% -16.68% -34.04% 0.58% 39.76% -111.97%
EBIT Growth		 18.69% -3.36% -3.15% 1.77% -32.22% -32.05% -17.01% -35.09% 1.08% 42.29% -122.27%
NOPAT Growth		 19.42% -3.58% -4.04% 4.99% -30.53% -33.02% -15.70% -35.57% 1.17% 41.92% -118.95%
Net Income Growth		 19.42% -3.58% -4.04% 4.99% -30.53% -33.02% -15.70% -35.57% 1.17% 41.92% -125.19%
EPS Growth		 32.81% -1.20% -1.47% 5.97% -31.76% -32.93% -16.42% -38.03% -6.90% 30.91% -126.79%
Operating Cash Flow Growth		 136.94% -87.59% -77.19% 23.64% -42.27% 534.42% 493.48% -61.33% -5.11% 42.35% -140.88%
Free Cash Flow Firm Growth		 -50.23% -167.48% -306.19% -360.99% -339.21% -10.68% 119.44% 87.35% 62.61% 108.18% -1,021.02%
Invested Capital Growth		 -12.03% 23.32% 33.36% 40.03% 38.43% 20.29% -3.80% 4.16% 10.97% -0.15% 44.50%
Revenue Q/Q Growth		 12.60% 0.57% -3.59% 0.94% -3.16% -0.49% -2.19% 2.32% 1.90% 8.05% 18.59%
EBITDA Q/Q Growth		 22.18% -1.92% -18.05% 3.01% -17.20% -1.69% -0.63% -18.46% 26.26% 36.61% -108.51%
EBIT Q/Q Growth		 23.29% -1.97% -18.39% 3.18% -17.89% -1.73% -0.32% -19.30% 27.87% 38.33% -115.60%
NOPAT Q/Q Growth		 24.06% -1.56% -18.90% 6.00% -17.91% -5.08% 2.07% -18.99% 28.90% 33.15% -113.63%
Net Income Q/Q Growth		 24.06% -1.56% -18.90% 6.00% -17.91% -5.08% 2.07% -18.99% 28.90% 33.15% -118.12%
EPS Q/Q Growth		 26.87% -3.53% -18.29% 5.97% -18.31% -5.17% 1.82% -21.43% 22.73% 33.33% -120.83%
Operating Cash Flow Q/Q Growth		 191.37% -93.27% 45.87% 332.01% 36.06% -26.01% 36.46% -71.85% 233.86% 11.00% -139.19%
Free Cash Flow Firm Q/Q Growth		 -0.34% -239.25% -60.85% -16.91% 8.65% 35.57% 128.25% -176.05% -170.08% 114.09% -3,282.83%
Invested Capital Q/Q Growth		 -5.22% 23.98% 16.91% 1.93% -6.30% 7.73% -6.50% 10.37% -0.18% -3.07% 35.30%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.32% 42.25% 35.91% 36.65% 31.34% 30.96% 31.45% 25.07% 31.06% 39.27% -2.82%
EBIT Margin		 41.69% 40.64% 34.40% 35.16% 29.82% 29.44% 30.01% 23.67% 29.70% 38.02% -5.00%
Profit (Net Income) Margin		 33.83% 33.12% 27.86% 29.26% 24.80% 23.65% 24.68% 19.54% 24.72% 30.47% -4.65%
Tax Burden Percent		 81.15% 81.49% 80.98% 83.20% 83.17% 80.34% 82.26% 82.58% 83.25% 80.13% 93.04%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.85% 18.51% 19.02% 16.80% 16.83% 19.66% 17.74% 17.42% 16.75% 19.87% 0.00%
Return on Invested Capital (ROIC)		 6.36% 6.10% 4.65% 5.00% 4.45% 3.64% 3.61% 2.67% 3.50% 4.33% -0.47%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.36% 6.10% 4.65% 5.00% 4.45% 3.64% 3.61% 2.67% 3.50% 4.33% -0.60%
Return on Net Nonoperating Assets (RNNOA)		 1.24% 1.56% 2.07% 2.35% 1.82% 2.10% 2.25% 1.93% 2.07% 2.61% -0.33%
Return on Equity (ROE)		 7.60% 7.65% 6.72% 7.35% 6.26% 5.74% 5.85% 4.60% 5.57% 6.94% -0.80%
Cash Return on Invested Capital (CROIC)		 19.15% -14.91% -23.35% -28.04% -27.07% -14.35% 7.62% -0.92% -7.13% 3.70% -34.21%
Operating Return on Assets (OROA)		 1.43% 1.42% 1.21% 1.28% 1.07% 1.02% 1.02% 0.79% 0.98% 1.27% -0.15%
Return on Assets (ROA)		 1.16% 1.16% 0.98% 1.06% 0.89% 0.82% 0.84% 0.65% 0.82% 1.01% -0.13%
Return on Common Equity (ROCE)		 7.17% 7.23% 6.34% 6.92% 5.89% 5.41% 5.52% 4.33% 5.26% 6.56% -0.76%
Return on Equity Simple (ROE_SIMPLE)		 8.10% 0.00% 7.69% 7.81% 7.20% 0.00% 6.00% 5.36% 4.88% 0.00% 2.82%
Net Operating Profit after Tax (NOPAT)		 53 52 42 45 37 35 36 29 37 50 -6.77
NOPAT Margin		 33.83% 33.12% 27.86% 29.26% 24.80% 23.65% 24.68% 19.54% 24.72% 30.47% -3.50%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.13%
SG&A Expenses to Revenue		 45.88% 43.50% 47.40% 48.04% 50.93% 51.15% 50.97% 49.82% 50.26% 47.09% 43.87%
Operating Expenses to Revenue		 58.65% 57.38% 63.25% 62.86% 65.93% 67.31% 67.22% 69.21% 67.12% 62.07% 69.35%
Earnings before Interest and Taxes (EBIT)		 65 64 52 54 44 44 43 35 45 62 -9.67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 68 67 55 56 47 46 45 37 47 64 -5.44
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.81 0.87 0.73 0.62 0.60 0.74 0.73 0.69 0.67 0.82 0.57
Price to Tangible Book Value (P/TBV)		 1.65 1.74 1.43 1.22 1.18 1.41 1.38 1.30 1.16 1.43 1.10
Price to Revenue (P/Rev)		 3.19 3.36 2.81 2.32 2.25 2.95 2.94 2.82 3.00 3.59 3.17
Price to Earnings (P/E)		 9.96 10.91 9.45 7.90 8.30 11.93 12.27 13.13 14.00 15.39 21.43
Dividend Yield		 4.40% 4.08% 4.80% 5.72% 6.03% 4.71% 4.83% 5.12% 4.84% 4.46% 4.72%
Earnings Yield		 10.04% 9.17% 10.58% 12.66% 12.05% 8.39% 8.15% 7.62% 7.14% 6.50% 4.67%
Enterprise Value to Invested Capital (EV/IC)		 0.72 0.80 0.70 0.66 0.64 0.72 0.71 0.72 0.66 0.76 0.54
Enterprise Value to Revenue (EV/Rev)		 3.59 4.81 4.83 4.49 4.16 5.08 4.77 5.39 4.89 5.32 4.75
Enterprise Value to EBITDA (EV/EBITDA)		 8.28 11.01 11.95 11.35 11.35 13.78 14.60 18.16 16.52 15.23 21.83
Enterprise Value to EBIT (EV/EBIT)		 8.65 12.03 12.46 11.82 11.85 15.77 15.30 19.11 17.35 17.41 23.55
Enterprise Value to NOPAT (EV/NOPAT)		 10.64 14.80 15.36 14.47 14.42 19.24 18.59 23.28 21.14 21.28 29.11
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.04 13.93 17.48 15.80 19.64 18.07 12.70 16.35 15.15 15.28 25.93
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.53 0.00 0.00 0.00 0.00 0.00 9.13 0.00 0.00 20.42 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.19 0.46 0.68 0.72 0.62 0.68 0.57 0.73 0.57 0.53 0.52
Long-Term Debt to Equity		 0.14 0.41 0.63 0.67 0.57 0.64 0.54 0.69 0.52 0.46 0.49
Financial Leverage		 0.19 0.26 0.45 0.47 0.41 0.58 0.62 0.72 0.59 0.60 0.54
Leverage Ratio		 6.54 6.61 6.84 6.92 7.01 6.99 6.99 7.08 6.83 6.84 7.15
Compound Leverage Factor		 6.54 6.61 6.84 6.92 7.01 6.99 6.99 7.08 6.83 6.84 7.15
Debt to Total Capital		 16.29% 31.61% 40.33% 41.70% 38.21% 40.65% 36.39% 42.23% 36.28% 34.53% 34.42%
Short-Term Debt to Total Capital		 4.47% 3.81% 2.68% 2.40% 2.69% 2.48% 1.83% 2.40% 3.20% 4.51% 2.56%
Long-Term Debt to Total Capital		 11.82% 27.80% 37.65% 39.30% 35.52% 38.17% 34.56% 39.83% 33.08% 30.02% 31.85%
Preferred Equity to Total Capital		 5.05% 4.07% 3.48% 3.42% 3.65% 3.39% 3.62% 3.28% 3.29% 3.39% 2.51%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.66% 64.32% 56.19% 54.88% 58.14% 55.96% 59.99% 54.49% 60.44% 62.08% 63.08%
Debt to EBITDA		 1.87 4.34 6.84 7.19 6.76 7.81 7.48 10.63 9.11 6.95 13.93
Net Debt to EBITDA		 0.35 2.76 4.39 4.89 4.55 5.13 4.86 7.85 5.56 4.27 6.27
Long-Term Debt to EBITDA		 1.36 3.82 6.38 6.77 6.28 7.34 7.11 10.03 8.30 6.04 12.89
Debt to NOPAT		 2.40 5.84 8.79 9.16 8.59 10.91 9.53 13.63 11.65 9.71 18.58
Net Debt to NOPAT		 0.45 3.71 5.65 6.24 5.78 7.17 6.18 10.07 7.12 5.96 8.36
Long-Term Debt to NOPAT		 1.74 5.13 8.20 8.63 7.98 10.24 9.05 12.86 10.63 8.44 17.19
Noncontrolling Interest Sharing Ratio		 5.64% 5.61% 5.69% 5.86% 5.97% 5.83% 5.76% 5.77% 5.50% 5.43% 4.57%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 444 -619 -995 -1,164 -1,063 -685 194 -147 -397 56 -1,782
Operating Cash Flow to CapEx		 4,481.77% 275.60% 89.03% 1,004.70% 2,402.06% 1,619.35% 2,339.34% 0.00% 1,583.09% 1,467.70% -610.80%
Free Cash Flow to Firm to Interest Expense		 46.21 -32.49 -27.48 -21.36 -16.13 -9.31 2.38 -1.70 -4.29 0.64 -18.82
Operating Cash Flow to Interest Expense		 11.53 0.39 0.30 0.86 0.97 0.64 0.79 0.21 0.66 0.77 -0.28
Operating Cash Flow Less CapEx to Interest Expense		 11.27 0.25 -0.04 0.78 0.93 0.60 0.76 0.22 0.61 0.72 -0.32
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 2.54 2.63 2.72 2.84 2.73 2.65 2.60 2.66 2.64 2.68 2.55
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,862 3,548 4,148 4,228 3,962 4,268 3,990 4,404 4,396 4,262 5,766
Invested Capital Turnover		 0.19 0.18 0.17 0.17 0.18 0.15 0.15 0.14 0.14 0.14 0.13
Increase / (Decrease) in Invested Capital		 -391 671 1,038 1,209 1,100 720 -158 176 435 -6.37 1,776
Enterprise Value (EV)		 2,064 2,843 2,923 2,785 2,542 3,060 2,833 3,176 2,893 3,224 3,110
Market Capitalization		 1,832 1,986 1,704 1,440 1,379 1,776 1,746 1,659 1,775 2,176 2,073
Book Value per Share		 $37.71 $38.58 $39.37 $39.17 $38.81 $40.23 $40.31 $40.38 $44.59 $39.57 $54.33
Tangible Book Value per Share		 $18.55 $19.29 $20.13 $19.98 $19.69 $21.16 $21.28 $21.40 $25.69 $22.76 $28.12
Total Capital		 2,862 3,548 4,148 4,228 3,962 4,268 3,990 4,404 4,396 4,262 5,766
Total Debt		 466 1,121 1,673 1,763 1,514 1,735 1,452 1,860 1,595 1,471 1,984
Total Long-Term Debt		 338 986 1,562 1,662 1,407 1,629 1,379 1,754 1,454 1,279 1,837
Net Debt		 88 713 1,075 1,201 1,019 1,140 942 1,373 974 903 893
Capital Expenditures (CapEx)		 2.47 2.71 12 4.68 2.67 2.93 2.76 -0.87 3.84 4.59 4.33
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.23
Net Nonoperating Obligations (NNO)		 466 1,121 1,673 1,763 1,514 1,735 1,452 1,860 1,595 1,471 1,984
Total Depreciation and Amortization (D&A)		 2.56 2.54 2.30 2.28 2.26 2.24 2.09 2.07 2.05 2.03 4.22
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.85 $0.83 $0.67 $0.71 $0.58 $0.55 $0.56 $0.44 $0.54 $0.72 ($0.15)
Adjusted Weighted Average Basic Shares Outstanding		 59.55M 60.05M 59.22M 59.26M 59.36M 59.30M 59.38M 59.52M 64.49M 62.59M 76.83M
Adjusted Diluted Earnings per Share		 $0.85 $0.82 $0.67 $0.71 $0.58 $0.55 $0.56 $0.44 $0.54 $0.72 ($0.15)
Adjusted Weighted Average Diluted Shares Outstanding		 59.70M 60.22M 59.38M 59.39M 59.44M 59.43M 59.52M 59.66M 64.63M 62.65M 77.02M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 59.16M 59.20M 59.25M 59.36M 59.37M 59.38M 59.42M 59.59M 66.87M 66.94M 95.67M
Normalized Net Operating Profit after Tax (NOPAT)		 53 52 45 45 37 35 36 32 39 50 7.24
Normalized NOPAT Margin		 33.87% 33.12% 29.54% 29.27% 25.16% 23.66% 24.68% 21.65% 25.82% 30.78% 3.75%
Pre Tax Income Margin		 41.69% 40.64% 34.40% 35.16% 29.82% 29.44% 30.01% 23.67% 29.70% 38.02% -5.00%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.80 3.36 1.44 0.99 0.67 0.59 0.53 0.41 0.48 0.71 -0.10
NOPAT to Interest Expense		 5.52 2.74 1.17 0.82 0.56 0.48 0.44 0.33 0.40 0.57 -0.07
EBIT Less CapEx to Interest Expense		 6.54 3.22 1.11 0.90 0.63 0.55 0.50 0.42 0.44 0.66 -0.15
NOPAT Less CapEx to Interest Expense		 5.26 2.60 0.83 0.74 0.52 0.44 0.40 0.34 0.36 0.52 -0.12
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 47.71% 47.60% 48.04% 47.51% 52.11% 58.11% 61.05% 68.65% 68.89% 64.38% 94.45%
Augmented Payout Ratio		 133.33% 108.01% 48.04% 58.75% 56.47% 60.32% 63.38% 69.49% 69.55% 64.33% 93.89%

Key Financial Trends

WesBanco (NASDAQ: WSBC) has experienced notable financial developments over the last four years, particularly when comparing the most recent quarter, Q1 2025, with past periods.

Positive Trends:

  • The loan and lease interest income increased to $218.4 million in Q1 2025 from $166.97 million in Q1 2024, reflecting strong growth in core lending operations.
  • Investment securities interest income also rose to $26.78 million in Q1 2025 compared to $21.99 million in Q1 2024, indicating improved yields or higher balances.
  • Total revenue grew substantially, reaching $193.18 million in Q1 2025 versus $144.6 million in Q1 2024, driven by higher interest income.
  • Deposits increased significantly, as shown by total liabilities growth from about $15.23 billion in Q1 2024 to $23.63 billion in Q1 2025, including a rise in interest-bearing deposits.
  • WesBanco boosted its cash and equivalents to $1.09 billion at the start of 2025, up from about $510 million in Q1 2024, improving liquidity.

Neutral Points:

  • Non-interest income held relatively stable with $34.67 million in Q1 2025 compared to around $30.63 million in Q1 2024, signifying consistency in fee and service income streams.
  • The bank maintained a steady share count, with weighted average diluted shares around 77 million in Q1 2025 compared to about 59.5 million in Q1 2024, after accounting for stock changes through the years.
  • Capital expenditures for property and equipment were moderate around $4.3 million in Q1 2025, similar to prior quarters, reflecting controlled reinvestment.

Negative Developments:

  • WesBanco reported a net loss of $8.99 million in Q1 2025, a sharp decline from a net income of $35.7 million in Q1 2024, signaling recent operating challenges.
  • The provision for credit losses spiked dramatically to $68.9 million in Q1 2025 from roughly $4 million in Q1 2024, suggesting increased concern over loan defaults or deteriorating credit quality.
  • Total non-interest expenses climbed sharply to nearly $134 million in Q1 2025, up from $97 million a year earlier, partially driven by a $20 million restructuring charge compared to no such charge in Q1 2024.
  • Cash flow from operating activities dropped to zero in Q1 2025 versus positive cash flow previously, indicating strained operational cash generation in the recent quarter.
  • Long-term debt increased from about $1.38 billion in Q1 2024 to $1.84 billion in Q1 2025, reflecting a rise in leverage which could pressure margins and risk.

Summary: WesBanco demonstrated solid growth in interest income and asset expansion over the past year along with strengthening liquidity. However, this progress was overshadowed in Q1 2025 by a significant loss driven by elevated credit loss provisions and higher expenses, including a large restructuring charge. The bank’s rising debt and a halt in operating cash flow also raise concerns. Investors should watch upcoming quarters for signs of credit stabilization and expense control improvements to assess the sustainability of WesBanco’s recent growth.

08/04/25 09:10 AMAI Generated. May Contain Errors.

Frequently Asked Questions About WesBanco's Financials

When does WesBanco's fiscal year end?

According to the most recent income statement we have on file, WesBanco's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has WesBanco's net income changed over the last 10 years?

WesBanco's net income appears to be on an upward trend, with a most recent value of $151.51 million in 2024, rising from $69.97 million in 2014. The previous period was $159.03 million in 2023.

How has WesBanco's revenue changed over the last 10 years?

Over the last 10 years, WesBanco's total revenue changed from $261.73 million in 2014 to $606.19 million in 2024, a change of 131.6%.

How much debt does WesBanco have?

WesBanco's total liabilities were at $15.89 billion at the end of 2024, a 4.7% increase from 2023, and a 188.5% increase since 2014.

How much cash does WesBanco have?

In the past 10 years, WesBanco's cash and equivalents has ranged from $86.69 million in 2015 to $1.25 billion in 2021, and is currently $568.14 million as of their latest financial filing in 2024.

How has WesBanco's book value per share changed over the last 10 years?

Over the last 10 years, WesBanco's book value per share changed from 26.92 in 2014 to 39.57 in 2024, a change of 47.0%.


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This page (NASDAQ:WSBCP) was last updated on 8/4/2025 by MarketBeat.com Staff
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