WesBanco, Inc.

$ 36.29 2.54 %

WesBanco, Inc. functions as the parent entity for WesBanco Bank, Inc., overseeing a comprehensive portfolio of financial services. These offerings encompass retail and corporate banking, trust administration for both individuals and businesses, brokerage activities, mortgage financing, and insurance provisions. The company organizes its operations into two distinct segments: Community Banking, and Trust and Investment Services. Its deposit product line is extensive, including various checking (demand) accounts for commercial and individual clients, money market accounts, interest-bearing and non-interest-bearing deposit options, savings accounts, and certificates of deposit (CDs). WesBanco also provides a broad spectrum of lending solutions. This includes financing for commercial real estate and industrial projects; residential property loans for home acquisition, construction, or refinancing; and home equity lines of credit. Furthermore, it offers installment loans for diverse needs, such as vehicle purchases (automobiles, trucks, motorcycles, boats, and recreational vehicles), home equity-backed installments, unsecured home improvement loans, and general revolving lines of credit, in addition to other commercial, mortgage, and individual installment lending. Beyond conventional banking, WesBanco delivers comprehensive trust and investment management services, featuring various investment vehicles like mutual funds and annuities, along with securities brokerage facilities. Through its specialized non-banking divisions, WesBanco, Inc. also operates an insurance agency focusing on property, casualty, life, and title insurance, alongside managing benefit plan sales and administration for both private and corporate clients. These subsidiaries engage in broker-dealer and discount brokerage activities, manage portfolios of investment securities and loans, own and lease commercial real estate properties, and serve as an investment advisor for a suite of mutual funds. As of December 31, 2021, WesBanco's operational footprint extended to 206 branch locations and 203 ATMs situated across West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, and Maryland. Complementing these, seven loan production offices were maintained in West Virginia, Ohio, western Pennsylvania, Maryland, and northern Virginia. Established in 1870, WesBanco, Inc. maintains its corporate headquarters in Wheeling, West Virginia.

CEO: Jeffrey H. Jackson - https://www.wesbanco.com

Price objectif

$41 12.98 %

Recommandation

Buy

DCF

$ 70.09

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Quick ratio

2.80

suggests a healthy liquidity position, showing that the company can likely meet its short-term obligations.

P/E ratio

11.13

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

3.26

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

8.00 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

1.18 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

12.56

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.34

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

4.15

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

48.16 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
8 indicates good financial health
Altman score
0.27 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
1.88 indicates that the company has sufficient cash to cover its short-term debts
Debt Ratio
0.05 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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