10 Year Financial Data of Wesbanco, Inc. (WSBC)

25.09 (1y: +23%)

Market Cap	720.2 M	P/E(ttm)	13.00
Enterprise Value	1.02 B	P/B	1.00

WSBC- NAS (USA)
Wesbanco, Inc.

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$25.09

1 Severe Warning Sign 4 Medium Warning Signs 1 Good Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	2.7	1.4	0.5
EBITDA Growth (%)	-2.5	16.7	13.7
Free Cash Flow Growth (%)	2.8	14.2	-15.1
Book Value Growth (%)	4.9	2.1	2.7

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	6.79	7.21	7.61	7.48	8.05	8.20	8.39	8.49	8.61	8.67	8.70	2.15	2.16	2.16	2.21	2.17
EBITDA per Share	2.77	2.79	2.68	2.41	2.68	1.88	1.25	2.02	2.52	2.86	2.98	0.57	0.58	0.61	1.08	0.71
Free Cashflow per Share	2.77	2.38	1.99	3.36	2.74	2.44	1.46	3.81	3.99	2.86	3.10	0.78	0.96	0.57	0.46	1.11
Earnings per Share ($)	1.80	1.90	1.90	1.79	2.09	1.42	0.70	1.34	1.65	1.84	1.94	0.45	0.45	0.48	0.46	0.55
Dividends Per Share	0.96	1.00	1.04	1.06	1.10	1.12	0.84	0.56	0.62	0.70	0.72	0.17	0.17	0.18	0.18	0.19
Book Value per Share	15.88	18.43	18.43	19.11	27.13	22.10	22.16	22.83	23.81	26.56	24.75	24.11	24.36	24.72	25.88	24.75
Month End Stock Price	27.66	31.97	30.41	33.53	20.60	27.21	12.34	18.96	19.47	22.22	23.95	20.14	21.26	20.71	22.22	23.95
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	11.30	10.30	10.30	9.40	7.70	5.80	4.10	5.90	6.90	6.90	8.80	7.60	7.20	8.00	7.20	8.80
Return on Assets %	1.00	1.00	1.00	1.00	0.80	0.70	0.40	0.70	0.80	0.80	1.20	0.80	0.80	0.80	0.80	1.20
Return on Capital - Joel Greenblatt %	--	18.10	27.50	27.90	18.00	17.00	11.70	20.60	38.70	59.40	203	54.40	36.40	43.60	60.40	203
Debt to Equity	1.92	2.36	2.28	1.56	1.46	1.53	1.35	0.90	0.74	0.52	0.41	0.69	0.68	0.58	0.52	0.41

Operating Margin %	32.90	32.60	31.80	29.60	30.60	19.60	10.30	17.70	23.40	27.10	32.70	26.70	26.90	28.40	26.30	32.70
Net Margin %	26.50	26.40	24.90	23.90	25.90	17.50	10.70	15.80	19.10	21.30	25.20	21.00	20.90	22.40	20.80	25.20

Debt to Revenue	4.48	6.02	5.51	3.98	4.91	4.62	3.57	2.42	2.06	1.58	4.64	7.73	7.65	6.67	6.04	4.64
Interest Exp. to Revenue %	75.61	75.45	77.17	75.25	69.27	73.68	71.03	73.59	73.88	72.22	72.50	73.19	72.33	72.32	71.10	72.50

Asset Turnover	0.04	0.04	0.04	0.04	0.03	0.04	0.04	0.04	0.04	0.04	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	-0.50	--	-0.10	--	--	--	--	--	-0.20	--
Dividend Payout Ratio	0.53	0.53	0.55	0.59	0.53	0.78	0.93	0.42	0.38	0.38	0.35	0.38	0.38	0.37	0.39	0.35
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	103	109	132	123	119	161	158	166	169	168	173	41.83	41.54	41.69	43.29	46.13
Non Interest Income	33.23	35.54	39.13	40.41	52.94	57.35	64.59	59.60	59.89	64.78	66.95	15.32	15.89	15.96	17.60	17.50
Revenue	136	145	171	163	172	218	223	226	229	233	240	57.15	57.43	57.66	60.88	63.62

Selling, General, &Admin. Expense	32.95	50.44	60.83	58.83	61.88	77.79	88.27	83.64	83.90	88.51	90.71	21.75	21.56	21.50	23.70	23.95
Credit Losses Provision	9.61	7.74	8.05	8.74	8.52	32.65	50.37	44.58	35.31	19.87	15.77	6.20	5.90	4.50	3.27	2.10
Other Expenses	38.06	30.59	42.21	43.14	44.45	57.39	51.05	43.80	42.98	47.95	50.84	13.92	14.53	15.29	4.22	16.80
Earnings Before DDA	55.62	55.99	60.37	52.54	57.40	50.05	33.27	53.68	67.06	76.79	82.28	15.29	15.45	16.37	29.69	20.78

Depreciation, Depletion and Amortization	10.81	8.84	5.89	4.24	4.71	7.44	10.33	13.72	13.41	13.66	13.66	--	--	--	13.66	--

Operating Income	44.81	47.16	54.48	48.30	52.69	42.61	22.94	39.96	53.65	63.13	68.62	15.29	15.45	16.37	16.03	20.78
Net Income	36.13	38.18	42.76	39.04	44.67	38.12	23.93	35.61	43.81	49.54	53.58	11.99	12.00	12.91	12.65	16.02

Preferred dividends	--	--	--	--	--	0.29	5.23	--	--	--	--	--	--	--	--	--
Earnings per Share ($)	1.80	1.90	1.90	1.79	2.09	1.42	0.70	1.34	1.65	1.84	1.94	0.45	0.45	0.48	0.46	0.55
Total Shares Outstanding	20.06	20.08	22.53	21.82	21.39	26.56	26.57	26.58	26.62	26.89	29.27	26.63	26.65	26.67	27.60	29.27
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	91.21	97.06	111	96.61	130	141	82.87	79.14	140	126	178	157	103	116	126	178
Money Market Investments	17.00	--	--	--	0.28	--	--	--	--	--	--	--	--	--	--	--
Net Loan	1,907	2,459	2,910	2,879	3,722	3,558	3,419	3,238	3,191	3,657	3,646	3,178	3,230	3,314	3,657	3,646
Securities & Investments	1,201	1,172	993	737	937	936	1,263	1,426	1,609	1,624	1,585	1,666	1,596	1,553	1,624	1,585
Accounts Receivable	18.25	18.60	20.43	19.18	23.68	19.97	20.05	20.54	19.27	19.35	19.91	19.50	18.23	19.17	19.35	19.91
Property, Plant and Equipment	53.23	56.67	64.71	67.40	94.14	93.69	89.60	85.93	82.20	88.87	90.88	81.59	80.67	80.18	88.87	90.88
Intangible Assets	57.80	83.92	148	145	277	268	288	286	283	324	323	283	282	282	324	323
Other Assets	99.10	124	176	154	200	205	234	226	211	240	242	216	216	213	240	242
Total Assets	3,445	4,011	4,422	4,098	5,384	5,222	5,397	5,361	5,536	6,079	6,085	5,601	5,525	5,577	6,079	6,085

Total Deposits	2,482	2,726	3,028	2,996	3,908	3,504	3,974	4,172	4,394	4,944	5,006	4,474	4,394	4,488	4,944	5,006
Accounts Payable	5.79	6.90	8.93	10.17	12.97	10.49	9.21	6.56	4.98	3.86	3.62	5.01	4.74	4.63	3.86	3.62
Current Portion of Long-Term Debt	--	301	244	203	330	298	189	187	197	143	128	188	191	187	143	128
Long-Term Debt	610	572	700	447	517	708	608	360	274	225	167	254	248	198	225	167
Other liabilities	28.78	36.28	25.00	26.44	36.77	42.46	29.10	28.59	32.26	48.40	55.97	38.16	38.53	40.20	48.40	55.97
Total Liabilities	3,127	3,641	4,007	3,681	4,804	4,563	4,809	4,755	4,902	5,365	5,361	4,959	4,876	4,918	5,365	5,361

Common Stock	44.42	44.42	49.20	49.20	55.49	55.49	55.49	55.49	55.49	60.86	60.86	55.49	55.56	55.56	60.86	60.86
Preferred Stock	--	--	--	--	--	72.33	--	--	--	--	--	--	--	--	--	--
Retained Earnings	263	281	300	316	336	344	341	362	389	419	430	396	404	412	419	430
Additional Paid-In Capital	52.90	61.45	122	123	190	193	192	192	192	242	242	192	192	192	242	242
Treasury Stock	-38.38	-12.71	-47.77	-61.86	-1.98	-1.66	-1.50	-1.06	-0.10	--	--	-0.13	-0.06	-0.04	--	--
Total Equity	318	370	415	417	580	659	589	607	634	714	724	642	649	659	714	724
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	36.13	38.18	42.76	39.04	44.67	38.12	23.93	35.61	43.81	49.54	49.54	--	--	--	49.54	--
Depreciation, Depletion and Amortization	10.81	8.84	5.89	4.24	4.71	7.44	10.33	13.72	13.41	13.66	13.66	--	--	--	13.66	--
Cash Flow from Others	8.69	0.75	-3.79	30.02	9.25	19.22	7.17	54.74	51.48	13.61	24.27	20.65	25.63	17.73	-50.40	31.31
Cash Flow from Operations	55.63	47.77	44.85	73.29	58.63	64.78	41.43	104	109	76.82	87.48	20.65	25.63	17.73	12.81	31.31

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-2.65	-2.70	-2.51	--	-1.20	--	--	-2.50	--	1.31
Cash Flow from Acquisitions	--	-26.87	-37.82	-14.38	7.03	-25.84	579	--	--	10.95	10.95	--	2.85	--	8.09	--
Cash Flow from Investing	-155	-174	145	240	100	76.68	339	-43.93	-178	55.44	143	-50.10	6.83	-39.57	138	37.38

Net Issuance of Stock	-17.86	-2.74	-36.62	-14.15	-30.12	0.34	-122	--	0.03	0.01	0.11	-0.01	-0.06	0.02	0.07	0.08
Net Issuance of Preferred Stock	--	--	--	--	--	75.00	--	--	--	--	--	--	--	--	--	--
Net Issuance of Debt	79.76	149	-60.62	-269	-24.64	162	-160	-237	-75.12	-224	-267	-29.35	-2.22	-54.48	-138	-72.42
Cash Flow for Dividends	-19.28	-19.79	-22.79	-23.07	-30.21	-29.62	-28.90	-14.88	-15.97	-18.12	-19.12	-4.26	-4.53	-4.53	-4.80	-5.26
Other Financing	83.60	-11.39	-55.82	-21.10	-39.91	-339	-128	189	222	95.00	76.57	79.99	-80.08	94.43	0.66	61.56
Cash Flow from Financing	126	115	-176	-327	-125	-131	-439	-63.87	130	-147	-209	46.37	-86.88	35.44	-142	-16.03

Net Change in Cash	27.13	-11.15	13.55	-14.00	33.89	10.68	-58.30	-3.73	61.19	-14.72	21.02	16.92	-54.43	13.60	9.19	52.66

Free Cash Flow	55.63	47.77	44.85	73.29	58.63	64.78	38.79	101	106	76.82	86.28	20.65	25.63	15.23	12.81	32.61
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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WSBC Quarterly/Annuals Reports

WSBC: 10-Q - WESBANCO INC (0000203596) (Filer): (10-Q) - 2012-10-25
WSBC: 10-Q - WESBANCO INC (0000203596) (Filer): (10-Q) - 2012-07-26
WSBC: 10-Q - WESBANCO INC (0000203596) (Filer): (10-Q) - 2012-04-27
WSBC: 10-K - WESBANCO INC (0000203596) (Filer): (10-K) - 2012-02-29
WSBC: 10-Q - WESBANCO INC (0000203596) (Filer): (10-Q) - 2011-10-27

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