WesBanco, Inc. (WSBC) Fair Value & Analysis
Financial Services · US · Market cap $3.8B · ISIN US9508101014
What is WesBanco, Inc. really worth?
WesBanco, Inc.
WSBC · US
Below-average quality, and trading another 84% above our fair value of $22.41.
Strengths
Risks
For context
Fair value as of: Sep 5, 2026
From 4 valuation models · updated today
Share price −2.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case ($28.02). The favourable scenario is already priced in.
- Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 5, 2026.
How to read this chart
60‑month range $18.15 – $42.70 · fair‑value band $16.81 – $28.02 · the $41.31 price screens above the $22.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 5, 2026.
Analysis
WesBanco, Inc. (WSBC) currently trades at $41.31, while our model-based Fair Value estimate is $22.41, implying the stock looks roughly 84.3% overvalued today. The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of $32.62 per share, and 0 of the 4 models we run sit above the $41.31 price. Bear case: the Asset-Based group reads lowest at $28.09, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, WesBanco, Inc. generated revenue of $1.0B at a net margin of 30.9%. Revenue grew 107.7% year over year. It earns a return on equity of 8.2%. Net debt stands at $1.5B. Fundamentals as of Sep 5, 2026
Our scenario range runs from $16.81 (bear case) to $28.02 (bull case); at $41.31, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 48% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −46%, WSBC screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $1.20 per share, which is 5.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Economic Profit ($32.62) versus Asset-Based ($28.09). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 35 · Market factors (momentum, volatility) 77
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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. It operates in two segments, Community Banking, and Trust and Investment Services.
Full company description
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. It operates in two segments, Community Banking, and Trust and Investment Services. The company 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. It 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, the company offers letters of credit and international wire services, as well as operates as an investment adviser to a family of mutual funds. It operates through branches and ATM machines in West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, Michigan, and Maryland. WesBanco, Inc. was founded in 1870 and is headquartered in Wheeling, West Virginia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
WesBanco, Inc. reported revenue of $1.4B in FY2025 versus $610M in FY2021, a compound +23.9%/yr. Reported net income was $223M in FY2025, compounding −2.0%/yr from FY2021.
of which total revenue +14.1 % · buybacks/dilution −7.3 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
WSBC screens 84% overvalued. Compare with DBS Group →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Regional Banks Stocks Q2 Recap: Benchmarking WesBanco (NASDAQ:WSBC)
- WesBanco (WSBC) Stock Looks Below Fair Value After An 86% Return
- WesBanco Declares Quarterly Cash Common and Preferred Stock Dividends
- 3 Reasons to Sell WSBC and 1 Stock to Buy Instead
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 86/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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