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Upturn AI SWOT - About
WSBC 
WesBanco Inc (WSBC)
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Upturn Advisory Summary
06/27/2025: WSBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $37.57
1 Year Target Price $37.57
| 3 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0.54% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.03B USD | Price to earnings Ratio 20.41 | 1Y Target Price 37.57 |
Price to earnings Ratio 20.41 | 1Y Target Price 37.57 | ||
Volume (30-day avg) 8 | Beta 0.88 | 52 Weeks Range 25.90 - 36.31 | Updated Date 06/30/2025 |
52 Weeks Range 25.90 - 36.31 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.67% | Basic EPS (TTM) 1.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.75% | Operating Margin (TTM) 14.47% |
Management Effectiveness
Return on Assets (TTM) 0.47% | Return on Equity (TTM) 3.38% |
Valuation
Trailing PE 20.41 | Forward PE 9.59 | Enterprise Value 4063364864 | Price to Sales(TTM) 5.32 |
Enterprise Value 4063364864 | Price to Sales(TTM) 5.32 | ||
Enterprise Value to Revenue 7.71 | Enterprise Value to EBITDA - | Shares Outstanding 95672200 | Shares Floating 92244269 |
Shares Outstanding 95672200 | Shares Floating 92244269 | ||
Percent Insiders 2.28 | Percent Institutions 71.02 |
Analyst Ratings
Rating 3 | Target Price 37.57 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
WesBanco Inc
Company Overview
History and Background
WesBanco, Inc. was founded in 1870 in Wheeling, West Virginia. Initially, it was a small community bank. Through organic growth and acquisitions, it has expanded to become a multi-state bank holding company.
Core Business Areas
- Community Banking: Provides a range of banking services including checking and savings accounts, loans, and other financial products to individuals, businesses, and organizations.
- Trust and Investment Services: Offers wealth management, trust administration, and investment advisory services to individuals and institutions.
- Insurance: Provides insurance products and services through its insurance subsidiaries.
Leadership and Structure
Todd F. Clossin serves as the President and Chief Executive Officer. The company operates with a board of directors and a management team responsible for overseeing various functions and strategic initiatives.
Top Products and Market Share
Key Offerings
- Commercial Loans: WesBanco provides commercial loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisition. Market share data is not publicly available at a granular level. Competitors include large national banks and other regional banks.
- Residential Mortgages: WesBanco offers residential mortgage loans to individuals for purchasing or refinancing homes. Market share data is not publicly available at a granular level. Competitors include large national mortgage lenders and other regional banks.
- Wealth Management Services: WesBanco provides wealth management and trust services to individuals and institutions. Specific market share is not available. Competitors include national brokerage firms, registered investment advisors, and other bank trust departments.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Consolidation is a continuing trend. Digital transformation is also impacting how banks operate.
Positioning
WesBanco is positioned as a regional bank focused on community banking and relationship-based services. It aims to provide personalized service and tailored solutions to its customers. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for the regional banking and wealth management services in the markets WesBanco serves is estimated to be in the billions of dollars. WesBanco's position is that of a strong regional player seeking to increase its market share through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Solid capital base
- Customer-focused approach
Weaknesses
- Limited geographic reach compared to national banks
- Susceptibility to regional economic downturns
- Competition from larger financial institutions
- Reliance on traditional banking model
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking solutions
- Growth in wealth management services
- Capitalizing on regulatory changes
- Increase fees on banking services
Threats
- Interest rate volatility
- Increased regulatory scrutiny
- Cybersecurity threats
- Economic recession
- Competition from fintech companies
Competitors and Market Share
Key Competitors
- PNC
- FNB
- KEY
Competitive Landscape
WesBanco's advantages include its strong regional presence and customer relationships. Disadvantages include its smaller size and limited resources compared to larger national banks.
Major Acquisitions
Old National Bancorp branches
- Year: 2024
- Acquisition Price (USD millions): 113.2
- Strategic Rationale: Expanded WesBancou2019s presence in key markets with strong deposit growth potential.
Growth Trajectory and Initiatives
Historical Growth: WesBanco has grown through organic expansion and strategic acquisitions. Past growth rates have varied based on economic conditions and market opportunities.
Future Projections: Future growth is projected based on analyst estimates, which consider factors like economic growth, interest rates, and market conditions. Need to fetch those analyst estimates from public sources.
Recent Initiatives: WesBanco has focused on initiatives such as digital transformation, branch optimization, and expansion of wealth management services. These initiatives are aimed at improving efficiency, enhancing customer experience, and driving revenue growth.
Summary
WesBanco is a regional bank with a solid foundation, strong community ties, and a diversified revenue stream. It faces competition from larger national banks and must adapt to the changing digital landscape. Recent acquisitions provide growth opportunities, but the company must manage risks related to interest rate volatility and economic downturns. Maintaining customer relationships will be crucial for continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Market Data Providers
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a financial professional. Market share data is estimates based on available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About WesBanco Inc
Exchange NASDAQ | Headquaters Wheeling, WV, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Director Mr. Jeffrey H. Jackson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3205 | Website https://www.wesbanco.com |
Full time employees 3205 | Website https://www.wesbanco.com | ||
WesBanco, Inc. operates as the bank holding company for WesBanco Bank, Inc. that provides retail banking, corporate banking, personal and corporate trust, brokerage, mortgage banking, and insurance services to individuals and businesses in the United States. The company operates in two segments, Community Banking, and Trust and Investment Services. It accepts interest and non-interest-bearing demand, money market, and savings deposit accounts, as well as certificates of deposit; and offers land and construction, improved property, commercial and industrial, residential real estate mortgage, and consumer loans, as well as home equity lines of credit and overdrafts. The company also provides mutual funds and annuities; and property, casualty, life, and title insurance services, as well as holds commercial real estate properties and investment securities. In addition, it offers letters of credit and international wire services, as well as operates as an investment adviser to a family of mutual funds. The company operates through branches and ATM machines in West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, and Maryland. WesBanco, Inc. was founded in 1870 and is headquartered in Wheeling, West Virginia.
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