Company Analysis

WesBanco, Inc. (WSBC)

Nasdaq: WSBC · National Commercial Banks · Wheeling, WV · filing with the SEC since 1994
Grade4.9
◀ Past 4.1● Present 4.8▶ Future 6.5

The grade of WesBanco, Inc.

Nine metrics read from its own filings, by tense
Headline grade
4.9/10
◀ Past4.140% of the headline
● Present4.835% of the headline
▶ Future6.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

4.1/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
3.5/10

Has it survived what it has been through?

1 warning event since 2017; the latest 2025-10-24.

weight 45% of this tense · 35th percentile among 83 sector filers · read for itself

From the record

WesBanco, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2025-10-24) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.0/10

What has it actually done, year after year?

+18% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 60th percentile among 79 sector filers · read for its customers

From the record

WesBanco, Inc.'s 10 filed years say what it did: revenue went from $286 million in fiscal 2016 to $1.3 billion in fiscal 2025, up 18% a year; it rose in 8 of 9 years; the deepest fall was 10% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span18.0%top 25% of its family
  • the share of years revenue rosetop 31% of its family
  • the share of filed years with a profittop 42% of its family
  • the deepest fall from a revenue peak10.4%bottom 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.5/10

How has it treated the people who own it?

Share count grew 14.8% a year. 44% of cash flow returned. Insiders: 24 sales, 11 purchases.

weight 33% of this tense · 35th percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, WesBanco, Inc.'s diluted share count grew about 14.8% a year, and dividends and buybacks returned about 44% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 24 sales and 11 purchases of their own stock on the open market in the year to 2026-11-06, buying about $315 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 10% of its family
  • cash returned against operating cash flowtop 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.8/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
3.6/10

Is it financially healthy right now?

ROE 6%: 6¢ of profit per shareholder dollar. Leverage 85%: owes 85¢ per asset dollar.

weight 45% of this tense · 36th percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, WesBanco, Inc. earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 85 cents per dollar of assets, and net share issuance: its share count grew 45.3% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 3% of its family
  • return on equitybottom 9% of its family
  • the share count against the year beforebottom 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.2/10

How strong is its position in its industry?

top 38% of 79 in its family; net margin 17.5%.

weight 33% of this tense · 62nd percentile among 79 sector filers · read for its customers

From the record

WesBanco, Inc.'s standing among 79 graded names in its industry family: revenue of $1.3 billion in fiscal 2025 ranks in the top 34% by size; a net margin of 17.5% ranks in the bottom 23%; revenue growth of 35.3% a year over the last 3 filed years ranks in the top 4% (its annual reports).

What it rests on

  • revenue against the family$1.27Btop 34% of its family
  • net margin17.5%bottom 23% of its family
  • three-year revenue growth35.3%top 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
5.1/10

What are the people in charge doing?

top 49% of 74 in its family for leadership; chief executive since 2024.

weight 22% of this tense · 51st percentile among 74 sector filers · read for its shareholders

From the record

WesBanco, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Jackson, Jeffrey H (President & CEO, as filed), filing under that title since 2024-02-12, 2.8 years (bottom 23% of its family); the 29 officers and directors filing in the last fifteen months have been on the record a median of 6.9 years (top 44%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 29 people in charge now (top 28%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge7 in three years among 29 peopletop 28% of its family
  • the median years the people in charge have filed6.9 yearstop 44% of its family
  • the chief executive's years on the record2.8 yearsbottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

6.5/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
5.3/10

How much room does it have to grow?

top 47% of 71 in its family for room to expand.

weight 33% of this tense · 53rd percentile among 71 sector filers · read for itself

From the record

WesBanco, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $956 million against no long-term debt tagged leaves 3.5% of its assets as net cash, top 41% of its family; cash from operations less capital spending is 22% of revenue (bottom 48%) (its annual report).

What it rests on

  • cash less debt against assets3.5%top 41% of its family
  • cash from operations less capital spending against revenue22.0%bottom 48% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
8.2/10

What could actually drive growth from here?

top 18% of 79 in its family for growth drivers.

weight 33% of this tense · 82nd percentile among 79 sector filers · read for its customers

From the record

WesBanco, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 35.3% a year over the last three filed years against 18% over all 10, speeding up (top 2% of its family); the newest year grew 54.1% (top 2%); capital spending grew 9.3% a year (top 49%) (its annual reports). WesBanco, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+17.2 points a yeartop 2% of its family
  • the newest year's revenue growth54.1%top 2% of its family
  • three-year growth of capital spending9.3%top 49% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
6.0/10

Did its newest year beat what its own record pointed to?

top 40% of 76 in its family for expectations against reality.

weight 33% of this tense · 60th percentile among 76 sector filers · read for its shareholders

From the record

WesBanco, Inc.'s newest year against its own record: revenue of $1.3 billion in fiscal 2025 came in 21.5% above the $1.0 billion its prior three years' pace pointed to (top 1% of its family); net income of $223 million against a prior three-year average of $168 million (top 30%); a net margin of 17.5% against 26% before (bottom 10%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace21.5%top 1% of its family
  • net income against the prior three years' average+33%top 30% of its family
  • net margin against its prior average-8.5 pointsbottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton WSBC · research, not advice