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Upturn AI SWOT - About
WSBC 
WesBanco Inc (WSBC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $37.43
1 Year Target Price $37.43
| 3 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.2% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.94B USD | Price to earnings Ratio 17.43 | 1Y Target Price 37.43 |
Price to earnings Ratio 17.43 | 1Y Target Price 37.43 | ||
Volume (30-day avg) 8 | Beta 0.89 | 52 Weeks Range 26.10 - 36.31 | Updated Date 08/15/2025 |
52 Weeks Range 26.10 - 36.31 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 4.70% | Basic EPS (TTM) 1.76 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-29 | When After Market | Estimate 0.85 | Actual 0.91 |
Profitability
Profit Margin 19.59% | Operating Margin (TTM) 49.21% |
Management Effectiveness
Return on Assets (TTM) 0.59% | Return on Equity (TTM) 4.25% |
Valuation
Trailing PE 17.43 | Forward PE 9.62 | Enterprise Value 4144581888 | Price to Sales(TTM) 4.26 |
Enterprise Value 4144581888 | Price to Sales(TTM) 4.26 | ||
Enterprise Value to Revenue 6.95 | Enterprise Value to EBITDA - | Shares Outstanding 95989800 | Shares Floating 92404603 |
Shares Outstanding 95989800 | Shares Floating 92404603 | ||
Percent Insiders 2.26 | Percent Institutions 72.96 |
Upturn AI SWOT
WesBanco Inc
Company Overview
History and Background
WesBanco Inc. was founded in 1870 as The German Bank in Wheeling, West Virginia. It has grown through organic expansion and acquisitions, becoming a multi-state bank holding company.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and wealth management.
- Trust and Investment Services: Offers trust administration, investment management, and financial planning services.
- Insurance Services: Provides insurance products and services to individuals and businesses.
Leadership and Structure
Todd F. Clossin is the current President and CEO. The company operates with a traditional corporate structure, including a Board of Directors and various executive management teams overseeing different business lines.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. The competitors are Huntington Bancshares (HBAN), PNC Financial Services (PNC), and Fifth Third Bancorp (FITB). Market share data is not readily available without specific paid resources.
- Mortgage Lending: Offers mortgage loans to individuals for home purchases and refinancing. Competitors are Rocket Companies (RKT), UWM Holdings (UWMC), and PennyMac Financial Services (PFSI). Market share data is not readily available without specific paid resources.
- Wealth Management: Provides financial planning, investment advisory, and trust services. Competitors are Raymond James Financial (RJF), LPL Financial (LPLA), and Stifel Financial (SF). Market share data is not readily available without specific paid resources.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are navigating a complex economic environment.
Positioning
WesBanco Inc. is a regional bank holding company focused on community banking and wealth management. Its competitive advantages include a strong local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for regional banking services is in the hundreds of billions of dollars. WesBanco Inc. is positioned to capture a portion of this market through its branch network and diverse service offerings. Market size estimates for TAM for regional banking are based on total assets under management by regional banks.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Diversified revenue streams
- Experienced management team
- Sound risk management practices
Weaknesses
- Limited geographic reach compared to national banks
- Vulnerability to regional economic downturns
- Higher cost structure than some fintech competitors
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Partnerships with fintech companies
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from larger banks and fintech companies
- Economic recession
Competitors and Market Share
Key Competitors
- PNC
- HBAN
- KEY
Competitive Landscape
WesBanco Inc. competes with larger national banks and regional banks. Its advantages include a strong local presence and customer relationships. Disadvantages include limited geographic reach and higher cost structure.
Major Acquisitions
Old Line Bancshares
- Year: 2018
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expansion into the Maryland market.
Growth Trajectory and Initiatives
Historical Growth: WesBanco Inc. has grown steadily through acquisitions and organic expansion.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by increased lending and wealth management activity. Projections vary depending on economic conditions and company performance.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
WesBanco Inc. is a stable regional bank with a history of growth. It benefits from a diversified revenue stream and a strong local presence. However, it faces challenges from larger competitors and the evolving banking landscape. Future success depends on effective execution of strategic initiatives and adaptation to market changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Financial news websites
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is based on limited available information and may not be precise. Financial metrics and projections are subject to change.
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 3253 | Website https://www.wesbanco.com |
Full time employees 3253 | 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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