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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.14
WSBC's Cash to Debt is ranked lower than
89% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. WSBC: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
WSBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.21 Max: 11.04
Current: 0.14
0.07
11.04
Equity to Asset 0.13
WSBC's Equity to Asset is ranked higher than
76% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. WSBC: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
WSBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.11 Max: 0.14
Current: 0.13
0.09
0.14
Interest Coverage 4.52
WSBC's Interest Coverage is ranked higher than
79% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. WSBC: 4.52 )
Ranked among companies with meaningful Interest Coverage only.
WSBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.23  Med: 0.78 Max: 4.42
Current: 4.52
0.23
4.42
F-Score: 4
M-Score: -2.76
WACC vs ROIC
6.40%
4.41%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 38.53
WSBC's Operating margin (%) is ranked higher than
69% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. WSBC: 38.53 )
Ranked among companies with meaningful Operating margin (%) only.
WSBC' s Operating margin (%) Range Over the Past 10 Years
Min: 10.29  Med: 28.34 Max: 35.8
Current: 38.53
10.29
35.8
Net-margin (%) 28.27
WSBC's Net-margin (%) is ranked higher than
68% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. WSBC: 28.27 )
Ranked among companies with meaningful Net-margin (%) only.
WSBC' s Net-margin (%) Range Over the Past 10 Years
Min: 10.73  Med: 22.58 Max: 26.73
Current: 28.27
10.73
26.73
ROE (%) 8.06
WSBC's ROE (%) is ranked lower than
51% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. WSBC: 8.06 )
Ranked among companies with meaningful ROE (%) only.
WSBC' s ROE (%) Range Over the Past 10 Years
Min: 3  Med: 7.91 Max: 9.38
Current: 8.06
3
9.38
ROA (%) 1.07
WSBC's ROA (%) is ranked higher than
64% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. WSBC: 1.07 )
Ranked among companies with meaningful ROA (%) only.
WSBC' s ROA (%) Range Over the Past 10 Years
Min: 0.45  Med: 0.89 Max: 1.12
Current: 1.07
0.45
1.12
Revenue Growth (3Y)(%) -1.50
WSBC's Revenue Growth (3Y)(%) is ranked lower than
69% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. WSBC: -1.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WSBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.5  Med: 2.90 Max: 6.7
Current: -1.5
-1.5
6.7
EBITDA Growth (3Y)(%) 3.00
WSBC's EBITDA Growth (3Y)(%) is ranked lower than
58% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. WSBC: 3.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WSBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.6  Med: 2.90 Max: 31.6
Current: 3
-19.6
31.6
EPS Growth (3Y)(%) 5.30
WSBC's EPS Growth (3Y)(%) is ranked lower than
56% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. WSBC: 5.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WSBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -26.7  Med: 4.90 Max: 37.8
Current: 5.3
-26.7
37.8
» WSBC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-21)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

WSBC Guru Trades in Q2 2015

David Dreman 109,304 sh (+9.53%)
Jim Simons 111,502 sh (+9.21%)
» More
Q3 2015

WSBC Guru Trades in Q3 2015

Jeremy Grantham 14,700 sh (New)
Jim Simons 163,351 sh (+46.50%)
David Dreman 125,373 sh (+14.70%)
» More
Q4 2015

WSBC Guru Trades in Q4 2015

Jim Simons 174,202 sh (+6.64%)
David Dreman Sold Out
Jeremy Grantham 13,900 sh (-5.44%)
» More
Q1 2016

WSBC Guru Trades in Q1 2016

David Dreman 125,903 sh (New)
Jim Simons 240,102 sh (+37.83%)
Jeremy Grantham Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with WSBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BBCN, NAS:INDB, NAS:FFBC, NAS:NBTB, NAS:FIBK, NYSE:YDKN, NAS:LTXB, NAS:SFBS, NAS:WABC, NAS:OPB, NAS:TOWN, NAS:UBSH, NAS:TLMR, NAS:CBF, NAS:UCBI, NAS:RNST, NAS:ABCB, AMEX:PRK, NAS:FRME, NYSE:FCB » details
Wesbanco Inc offers financial services including retail banking, corporate banking, personal & corporate trust services, brokerage services, mortgage banking & insurance. It offers these services through community banking & trust & investment services.

Wesbanco Inc was incorporated in West Virginia in 1968. It is a bank holding company that offers financial services including retail banking, corporate banking, personal and corporate trust services, brokerage services, mortgage banking and insurance. It offers these services through two segments, community banking and trust and investment services. Its community banking segment offers services traditionally offered by full-service commercial banks, including commercial demand, individual demand and time deposit accounts, as well as commercial, mortgage and individual installment loans. The trust and investment services segment offers trust services as well as various alternative investment products including mutual funds. The Company operates one commercial bank, WesBanco Bank, Inc., through 118 offices, one loan production office and 105 ATM machines located in West Virginia, Ohio, and Western Pennsylvania. The Company offers additional services through its non-banking subsidiaries, WesBanco Insurance Services, Inc., a multi-line insurance agency engaged in property, casualty and life insurance, and benefit plan sales and administration for personal and commercial clients; and WesBanco Securities, Inc., a full service broker-dealer, which also offers discount brokerage services. It also serves as investment adviser to a family of mutual funds under the name WesMark Funds which includes a growth fund, a balanced fund, a government bond fund, a West Virginia municipal bond fund and a small company growth fund. The Company and WesBanco Bank entered into a Branch Purchase and Assumption Agreement with AmTrust Bank according to which WesBanco Bank agreed to purchase all of AmTrusts Columbus, Ohio, branches. The Company faces competition in the form of price and service from other banks, including local, regional and national banks and financial companies such as savings and loans, internet banks, payday lenders, money services businesses, credit unions, finance companies, brokerage firms and other non-banking companies providing various regulated and non-regulated financial services and products. The Company is subject to extensive federal and state regulation, supervision and examination.

Ratios

vs
industry
vs
history
P/E(ttm) 12.81
WSBC's P/E(ttm) is ranked lower than
53% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. WSBC: 12.81 )
Ranked among companies with meaningful P/E(ttm) only.
WSBC' s P/E(ttm) Range Over the Past 10 Years
Min: 8.69  Med: 14.07 Max: 24.48
Current: 12.81
8.69
24.48
Forward P/E 12.52
WSBC's Forward P/E is ranked lower than
53% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. WSBC: 12.52 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.81
WSBC's PE(NRI) is ranked lower than
53% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. WSBC: 12.81 )
Ranked among companies with meaningful PE(NRI) only.
WSBC' s PE(NRI) Range Over the Past 10 Years
Min: 8.7  Med: 14.05 Max: 24.4
Current: 12.81
8.7
24.4
Price/Owner Earnings (ttm) 13.66
WSBC's Price/Owner Earnings (ttm) is ranked lower than
59% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. WSBC: 13.66 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
WSBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.18  Med: 14.65 Max: 41.69
Current: 13.66
8.18
41.69
P/B 1.02
WSBC's P/B is ranked higher than
50% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. WSBC: 1.02 )
Ranked among companies with meaningful P/B only.
WSBC' s P/B Range Over the Past 10 Years
Min: 0.55  Med: 1.07 Max: 1.76
Current: 1.02
0.55
1.76
P/S 3.59
WSBC's P/S is ranked lower than
67% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. WSBC: 3.59 )
Ranked among companies with meaningful P/S only.
WSBC' s P/S Range Over the Past 10 Years
Min: 1.44  Med: 3.04 Max: 4.58
Current: 3.59
1.44
4.58
PFCF 13.51
WSBC's PFCF is ranked lower than
68% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. WSBC: 13.51 )
Ranked among companies with meaningful PFCF only.
WSBC' s PFCF Range Over the Past 10 Years
Min: 4.09  Med: 9.89 Max: 59.51
Current: 13.51
4.09
59.51
POCF 12.32
WSBC's POCF is ranked lower than
71% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. WSBC: 12.32 )
Ranked among companies with meaningful POCF only.
WSBC' s POCF Range Over the Past 10 Years
Min: 3.97  Med: 8.74 Max: 21.36
Current: 12.32
3.97
21.36
EV-to-EBIT 18.01
WSBC's EV-to-EBIT is ranked lower than
69% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. WSBC: 18.01 )
Ranked among companies with meaningful EV-to-EBIT only.
WSBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 10.3  Med: 21.30 Max: 57.9
Current: 18.01
10.3
57.9
EV-to-EBITDA 17.52
WSBC's EV-to-EBITDA is ranked lower than
72% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. WSBC: 17.52 )
Ranked among companies with meaningful EV-to-EBITDA only.
WSBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.1  Med: 20.10 Max: 49.7
Current: 17.52
10.1
49.7
PEG 1.33
WSBC's PEG is ranked lower than
58% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. WSBC: 1.33 )
Ranked among companies with meaningful PEG only.
WSBC' s PEG Range Over the Past 10 Years
Min: 0.47  Med: 1.17 Max: 102.87
Current: 1.33
0.47
102.87
Shiller P/E 15.65
WSBC's Shiller P/E is ranked higher than
52% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. WSBC: 15.65 )
Ranked among companies with meaningful Shiller P/E only.
WSBC' s Shiller P/E Range Over the Past 10 Years
Min: 6.58  Med: 12.75 Max: 19.08
Current: 15.65
6.58
19.08

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.13
WSBC's Dividend Yield is ranked higher than
50% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. WSBC: 3.13 )
Ranked among companies with meaningful Dividend Yield only.
WSBC' s Dividend Yield Range Over the Past 10 Years
Min: 2.41  Med: 3.23 Max: 8.01
Current: 3.13
2.41
8.01
Dividend Payout 0.40
WSBC's Dividend Payout is ranked lower than
62% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. WSBC: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
WSBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.3  Med: 0.54 Max: 1.65
Current: 0.4
0.3
1.65
Dividend Growth (3y) 9.50
WSBC's Dividend Growth (3y) is ranked higher than
53% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. WSBC: 9.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
WSBC' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -20.2  Med: 3.10 Max: 12.4
Current: 9.5
-20.2
12.4
Forward Dividend Yield 3.25
WSBC's Forward Dividend Yield is ranked lower than
53% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. WSBC: 3.25 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.27
WSBC's Yield on cost (5-Year) is ranked higher than
68% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. WSBC: 5.27 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WSBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 4.06  Med: 5.44 Max: 13.5
Current: 5.27
4.06
13.5
3-Year Average Share Buyback Ratio -9.60
WSBC's 3-Year Average Share Buyback Ratio is ranked lower than
75% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. WSBC: -9.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WSBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.6  Med: -3.20 Max: 4.8
Current: -9.6
-9.6
4.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.76
WSBC's Price/Tangible Book is ranked lower than
81% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. WSBC: 1.76 )
Ranked among companies with meaningful Price/Tangible Book only.
WSBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.09  Med: 1.86 Max: 2.67
Current: 1.76
1.09
2.67
Price/Projected FCF 0.62
WSBC's Price/Projected FCF is ranked higher than
50% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. WSBC: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
WSBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.80 Max: 1.14
Current: 0.62
0.41
1.14
Price/Median PS Value 1.19
WSBC's Price/Median PS Value is ranked lower than
75% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. WSBC: 1.19 )
Ranked among companies with meaningful Price/Median PS Value only.
WSBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 1.19 Max: 1.78
Current: 1.19
0.48
1.78
Price/Peter Lynch Fair Value 1.09
WSBC's Price/Peter Lynch Fair Value is ranked lower than
65% of the 423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. WSBC: 1.09 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WSBC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.52  Med: 1.66 Max: 4.01
Current: 1.09
0.52
4.01
Price/Graham Number 1.00
WSBC's Price/Graham Number is ranked lower than
70% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. WSBC: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
WSBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.79  Med: 1.12 Max: 1.53
Current: 1
0.79
1.53
Earnings Yield (Greenblatt) (%) 5.53
WSBC's Earnings Yield (Greenblatt) (%) is ranked lower than
62% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. WSBC: 5.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WSBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.7  Med: 4.70 Max: 9.7
Current: 5.53
1.7
9.7
Forward Rate of Return (Yacktman) (%) 21.92
WSBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
69% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. WSBC: 21.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WSBC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -8.9  Med: 6.90 Max: 38.7
Current: 21.92
-8.9
38.7

More Statistics

Revenue (TTM) (Mil) $317.5
EPS (TTM) $ 2.34
Beta1.01
Short Percentage of Float4.50%
52-Week Range $26.93 - 36.11
Shares Outstanding (Mil)38.36

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.36 2.48
EPS w/o NRI ($) 2.36 2.48
EPS Growth Rate
(3Y to 5Y Estimate)
N/A

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