Health score, competitive moat, risk signals, and key metrics at a glance.
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.
Competitive analysis based on 60 quarters of fundamental data
Operating margins are under pressure, averaging 20.0%. The business may lack pricing power or face rising costs.'
ROE is positive at ~5.0% on average, adequate but below the threshold typically associated with wide moats.
Data-driven red flags and warnings across 60 quarters
The company posted negative operating margins in recent quarters — core operations are unprofitable.
FCF covers net income by 1.5x on average — earnings are well-supported by cash generation.
D/E ratio is 0.2 — conservative capital structure with low financial risk.
Revenue is stable or growing over recent quarters — demand appears durable.
Free cash flow is consistently positive — the business self-funds without external capital reliance.
Shares outstanding increased 61.5% — significant dilution, likely from stock compensation or capital raises.
as of March 2026
Revenue, EBITDA, operating income, net income, EPS, and shares
Gross, EBITDA, operating, and net margin trends
P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield
Total assets, cash, debt, book value, and leverage
Operating cash flow, free cash flow, FCF margin, and earnings quality
Free cash flow is consistently positive and growing — a hallmark of a capital-light business that can self-fund growth.
TTM revenue has grown consistently (7 of 7 quarters up), with ~69.4% growth over the period. Strong demand durability.
