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Wesbanco Inc

WSBC Nasdaq National Commercial Banks Financials FY2016–FY2025

Last close · Oct 23, 2026

$39.05

0.2%
Compare
Revenue Total sales reported in the income statement.
$981M
61.8% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
63.7%
2.6 pts
Net income Profit after all expenses, interest and tax.
$223M
47.3%
Return on equity Net income as a share of average shareholders' equity.
6.5%
0.8 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$3.8B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
10.8x
On $3.60 EPS (TTM)

What Wesbanco Inc does

No business description yet.

Legal name
WESBANCO INC
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 2, 2026
Accession · CIK
0001193125-26-085463
0000203596

Revenue and margins

Wesbanco Inc had $981M of revenue in fiscal 2025, up 61.8% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 0.4% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Wesbanco Inc returned $125M to shareholders in fiscal 2025, 45% of free cash flow. The diluted share count rose 45.3%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Deposits $13.6B$13.1B$13.2B$14.1B$21.7B
Total assets $16.9B$16.9B$17.7B$18.7B$27.7B
Shareholders' equity $2.7B$2.4B$2.5B$2.8B$4.0B
Goodwill $1.1B$1.1B$1.1B$1.1B$1.6B
Intangible assets $54.9M$44.6M$35.5M$27.3M$141M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $335M $379M $448M $517M $608M $591M $592M $602M $606M $981M
Net interest income $253M $290M $347M $400M $479M $458M $474M $481M $478M $814M
Noninterest income $81.5M $88.8M $100M $117M $128M $133M $117M $120M $128M $167M
Noninterest expense $209M $221M $265M $312M $355M $353M $357M $390M $402M $625M
Provision for credit losses $8.5M $10.0M $7.8M $11.2M $108M −$64.3M −$1.7M $17.7M $19.2M $77.2M
Interest expense $32.8M $42.1M $67.7M $84.3M $61.8M $27.0M $39.3M $230M — —
Pretax income $118M $148M $175M $193M $145M $302M $236M $194M $185M $279M
Income tax $31.0M $53.8M $31.4M $34.3M $23.0M $59.6M $44.3M $35.0M $33.6M $56.1M
Net income $86.6M $94.5M $143M $159M $122M $242M $192M $159M $152M $223M
Net income to common — — $143M $159M $119M $232M $182M $149M $141M $203M
Diluted EPS $2.16 $2.14 $2.92 $2.83 $1.77 $3.53 $3.02 $2.51 $2.26 $2.23
Diluted shares 0.04B 0.04B 0.05B 0.06B 0.07B 0.07B 0.06B 0.06B 0.06B 0.09B
Cash flow
Cash from operations $123M $142M $192M $163M $59.6M $336M $204M $169M $211M $290M
Capital expenditure $2.1M $6.0M $4.7M $12.2M $7.6M $8.5M $8.0M $22.5M $10.3M $10.4M
Free cash flow $121M $136M $187M $151M $52.1M $328M $196M $147M $201M $280M
Depreciation and amortization $9.2M $10.4M $10.5M $11.5M $14.1M $13.4M $13.0M $14.4M $15.3M $20.2M
Stock-based compensation $2.0M $3.0M $4.4M $5.3M $5.7M $6.5M $6.2M $8.3M $7.5M $8.7M
Acquisitions −$4.9M — −$279M −$60.0M — — — — — —
Dividends paid $37.8M $44.9M $53.6M $66.6M $85.3M $86.5M $81.3M $82.3M $87.4M $125M
Dividends and buybacks $37.8M $44.9M $53.6M $66.6M $85.3M $86.5M $81.3M $82.3M $87.4M $125M
Balance sheet
Cash and short-term investments $128M $118M $169M $235M $905M $1.3B $408M $595M $568M $956M
Finance lease liabilities — — — $5.6M $5.2M $4.8M $9.8M $29.0M $27.0M $32.8M
Loans, net $6.2B $6.3B $7.6B $10.2B — — — — — —
Deposits $7.0B $7.0B $8.8B $11.0B $12.4B $13.6B $13.1B $13.2B $14.1B $21.7B
Property and equipment, net $133M $131M $167M $261M $249M $229M $221M $234M $219M $263M
Goodwill $574M $574M $900M $1.1B $1.1B $1.1B $1.1B $1.1B $1.1B $1.6B
Intangible assets $19.4M $15.3M $57.0M $80.4M $66.3M $54.9M $44.6M $35.5M $27.3M $141M
Total assets $9.8B $9.8B $12.5B $15.7B $16.4B $16.9B $16.9B $17.7B $18.7B $27.7B
Total liabilities $8.4B $8.4B $10.5B $13.1B $13.7B $14.2B $14.5B $15.2B $15.9B $23.7B
Preferred stock — — — — $144M $144M $144M $144M $144M —
Shareholders' equity $1.3B $1.4B $2.0B $2.6B $2.8B $2.7B $2.4B $2.5B $2.8B $4.0B
Margins
Net margin 25.9% 24.9% 32.0% 30.8% 20.1% 41.0% 32.5% 26.4% 25.0% 22.7%
FCF margin 36.1% 35.9% 41.8% 29.3% 8.6% 55.5% 33.2% 24.4% 33.1% 28.5%
Net interest share of revenue 75.7% 76.6% 77.6% 77.4% 78.9% 77.5% 80.2% 80.0% 78.9% 83.0%
Efficiency ratio 62.3% 58.3% 59.3% 60.4% 58.4% 59.8% 60.3% 64.8% 66.3% 63.7%
Returns
Return on equity 6.5% 6.9% 8.5% 6.9% 4.6% 8.9% 7.5% 6.4% 5.7% 6.5%
Return on assets 0.9% 1.0% 1.3% 1.1% 0.8% 1.5% 1.1% 0.9% 0.8% 1.0%
Return on tangible equity 11.6% 11.7% 14.0% 11.2% 7.5% 15.1% 14.2% 10.7% 8.5% 8.8%
Growth
Revenue growth — 13.2% 18.0% 15.4% 17.6% −2.8% 0.2% 1.7% 0.7% 61.8%
Net income growth — 9.1% 51.5% 11.0% −23.2% 98.5% −20.7% −17.2% −4.7% 47.3%
EPS growth — −0.9% 36.4% −3.1% −37.5% 99.4% −14.4% −16.9% −10.0% −1.3%
FCF growth — 12.4% 37.6% −19.3% −65.6% 529.6% −40.2% −25.2% 36.7% 39.5%
Share count change — 9.8% 11.2% 14.7% 19.7% −2.4% −8.3% −1.3% 5.4% 45.3%
Financial health
Loans / deposits 88.1% 89.4% 86.1% 92.8% — — — — — —
Provision / loans 0.1% 0.2% 0.1% 0.1% — — — — — —
Capital allocation
Capex / revenue 0.6% 1.6% 1.0% 2.4% 1.2% 1.4% 1.4% 3.7% 1.7% 1.1%
Stock comp / revenue 0.6% 0.8% 1.0% 1.0% 0.9% 1.1% 1.1% 1.4% 1.2% 0.9%
Payouts / FCF 31.2% 33.0% 28.6% 44.0% 163.8% 26.4% 41.5% 56.0% 43.6% 44.7%
Quality scores
Accruals ratio −0.4% −0.5% −0.4% −0.0% 0.4% −0.6% −0.1% −0.1% −0.3% −0.3%

Source: SEC EDGAR XBRL filings (CIK 0000203596). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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