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Upturn AI SWOT - About
WSBC 
WesBanco Inc (WSBC)
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Upturn Advisory Summary
10/10/2025: WSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $37.71
1 Year Target Price $37.71
| 3 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.54% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.07B USD | Price to earnings Ratio 18.18 | 1Y Target Price 37.71 |
Price to earnings Ratio 18.18 | 1Y Target Price 37.71 | ||
Volume (30-day avg) 8 | Beta 0.86 | 52 Weeks Range 25.81 - 35.90 | Updated Date 10/12/2025 |
52 Weeks Range 25.81 - 35.90 | Updated Date 10/12/2025 | ||
Dividends yield (FY) 4.41% | Basic EPS (TTM) 1.76 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 18.18 | Forward PE 8.48 | Enterprise Value 4271288320 | Price to Sales(TTM) 4.45 |
Enterprise Value 4271288320 | Price to Sales(TTM) 4.45 | ||
Enterprise Value to Revenue 7.15 | Enterprise Value to EBITDA - | Shares Outstanding 95989823 | Shares Floating 92398844 |
Shares Outstanding 95989823 | Shares Floating 92398844 | ||
Percent Insiders 2.27 | Percent Institutions 72.98 |
Upturn AI SWOT
WesBanco Inc
Company Overview
History and Background
WesBanco Inc. was founded in 1870 as The German Bank in Wheeling, West Virginia. Over the years, it has grown through organic expansion and acquisitions, evolving into a multi-state bank holding company.
Core Business Areas
- Community Banking: Provides traditional banking services including deposit accounts, loans, and other financial services to individuals and businesses.
- Trust and Investment Services: Offers wealth management, trust administration, and investment advisory services.
- Insurance Services: Provides insurance products and services to individuals and businesses.
Leadership and Structure
Todd F. Clossin serves as the President and Chief Executive Officer. WesBanco Inc. operates under a traditional corporate structure with a Board of Directors and various executive management teams overseeing different business segments.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses for various purposes, including equipment financing, real estate, and working capital. Market share data not publicly available. Competitors include larger regional banks and national banks.
- Residential Mortgages: Offers mortgage loans to individuals for home purchases and refinancing. Market share data not publicly available. Competitors include national mortgage lenders and other regional banks.
- Wealth Management: Provides financial planning and investment advice to high-net-worth individuals and families. Market share data not publicly available. Competitors include national wealth management firms and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, rising interest rates, regulatory changes, and technological advancements.
Positioning
WesBanco Inc. positions itself as a community-focused bank providing a wide range of financial services. Its competitive advantages include strong local presence and customer relationships.
Total Addressable Market (TAM)
The total addressable market includes all banking and financial services within WesBanco's geographic footprint. WesBanco holds a regional position and seeks to increase TAM share through acquisition and customer retention.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified revenue streams
- Solid credit quality
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on net interest income
- Lower brand recognition compared to national banks
Opportunities
- Acquisitions of smaller banks and credit unions
- Expansion of wealth management services
- Increased adoption of digital banking technologies
- Growth in underserved markets
Threats
- Rising interest rates
- Increased competition from FinTech companies
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FNB
- CMA
Competitive Landscape
WesBanco competes with larger regional and national banks, as well as smaller community banks. Its advantage lies in its local market knowledge and customer relationships. Disadvantages include limited geographic reach and brand recognition.
Major Acquisitions
Old Line Bancshares, Inc.
- Year: 2018
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded WesBanco's presence in the Baltimore-Washington, D.C. metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: WesBanco Inc. has grown through acquisitions and organic expansion.
Future Projections: Future growth projections depend on market conditions and strategic initiatives. Analyst estimates are needed for accurate projections.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
WesBanco is a regional bank with a solid presence, but faces competition from larger institutions and emerging FinTech companies. Strong credit quality and diversified revenue streams are strengths, while limited geographic reach remains a challenge. Strategic acquisitions and digital banking initiatives will be important for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market analysis reports, Financial news sources, SEC.gov
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and analyst opinions can change rapidly.
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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