Q4 2025 WesBanco Inc Earnings Call Transcript

Jan 28, 2026 / 02:00 PM GMT

Transcript 8-K

Key Points

Positve

Wesbanco Inc (WSBC) achieved a full year pre-tax, pre-provision earnings growth of 105% year over year.
The company reported a 45% increase in full year earnings per share, reaching $3.40 when excluding merger-related charges.
Loan growth was fully funded by deposit growth, contributing to a fourth quarter net interest margin of 3.61%.
The efficiency ratio improved to 52% in the fourth quarter, reflecting strong operational efficiencies and cost control.
Wesbanco Inc (WSBC) successfully acquired and integrated Premier Financial, transforming into a $28 billion asset regional financial services partner.

Negative

Commercial real estate payoffs were higher than anticipated, totaling $905 million for the year, creating a 4% headwind to loan growth.
The company anticipates continued elevated CRE payoffs in 2026, estimated between $600 and $800 million, primarily in the first half.
Non-interest expense increased 44% year over year due to the addition of Premier's expense base and higher FDIC insurance expenses.
The provision for credit losses will depend on various factors, including macroeconomic forecasts and credit quality metrics, which could impact future financial performance.
The company expects a slightly higher effective tax rate in 2026, between 20.5% and 21.5%, due to a lower percentage of tax-exempt income.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

WSBC.OQ - WesBanco Inc
Q4 2025 WesBanco Inc Earnings Call
Jan 28, 2026 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good day and welcome to the West Banko 4th quarter 2025 earnings conference call.

All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the key, followed by 0.

After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on a touchtone phone.

To withdraw your question, please press 2.

Please limit yourself to one question and one follow-up. Please note this event is being recorded.

I would now like to turn the conference over to John Iannone, senior Vice President of Investor relations. Please go ahead.

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