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Upturn AI SWOT - About
WSBC 
WesBanco Inc (WSBC)
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Upturn Advisory Summary
04/01/2025: WSBC (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 21.13% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.96B USD | Price to earnings Ratio 13.7 | 1Y Target Price 40.86 |
Price to earnings Ratio 13.7 | 1Y Target Price 40.86 | ||
Volume (30-day avg) 815511 | Beta 0.86 | 52 Weeks Range 24.72 - 36.76 | Updated Date 03/31/2025 |
52 Weeks Range 24.72 - 36.76 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 4.78% | Basic EPS (TTM) 2.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.81% | Operating Margin (TTM) 41.86% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 5.69% |
Valuation
Trailing PE 13.7 | Forward PE 9.38 | Enterprise Value 3167904512 | Price to Sales(TTM) 5 |
Enterprise Value 3167904512 | Price to Sales(TTM) 5 | ||
Enterprise Value to Revenue 7.63 | Enterprise Value to EBITDA - | Shares Outstanding 95670200 | Shares Floating 63372177 |
Shares Outstanding 95670200 | Shares Floating 63372177 | ||
Percent Insiders 2.16 | Percent Institutions 51.82 |
Analyst Ratings
Rating 3.86 | Target Price 39.57 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
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 a series of acquisitions and organic expansion to become a regional bank holding company.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial services.
- Trust and Investment Services: Offers trust, wealth management, and investment advisory services to individuals, families, and institutions.
- Insurance Services: Provides insurance brokerage services.
Leadership and Structure
Todd F. Clossin serves as the President and Chief Executive Officer. The organizational structure includes various departments overseeing different aspects of banking operations, risk management, and financial performance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, including working capital, expansion, and equipment financing. WesBanco competes with national and regional banks like PNC (PNC), Fifth Third (FITB), and Huntington (HBAN). Market share information not readily available.
- Residential Mortgages: Mortgage loans offered to individuals for purchasing homes. Competition includes large national banks like JP Morgan Chase (JPM) and Wells Fargo (WFC), as well as smaller regional banks. Market share information not readily available.
- Wealth Management: Includes financial planning, investment management, and trust services. Competitors include national wealth management firms and other regional banks. Market share information not readily available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, regulatory changes, and technological advancements, including the rise of fintech companies.
Positioning
WesBanco positions itself as a community-focused regional bank with a strong emphasis on customer service and relationship banking. Its competitive advantage lies in its local market knowledge and personalized approach.
Total Addressable Market (TAM)
The TAM for regional banking in the US is substantial, estimated to be in the hundreds of billions of dollars. WesBanco's position within this TAM is relatively small compared to larger national banks, but it holds a significant share in its specific geographic markets.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified revenue streams
- Solid capital base
- Customer-centric approach
Weaknesses
- Limited geographic reach compared to larger banks
- Lower brand recognition nationally
- Potential for higher operating costs relative to larger competitors
- Dependence on regional economic conditions
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Capitalizing on regulatory changes to gain market share
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in key markets
- Regulatory compliance costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC
- FITB
- HBAN
- RF
- KEY
Competitive Landscape
WesBanco faces stiff competition from larger national and regional banks, as well as fintech companies. Its advantages include its strong regional presence and customer-centric approach, while its disadvantages include its limited geographic reach and lower brand recognition nationally.
Major Acquisitions
Old Line Bancshares, Inc.
- Year: 2018
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded WesBanco's presence into the Baltimore-Washington metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: WesBanco has experienced moderate growth through acquisitions and organic expansion. Its growth has been primarily driven by increasing its loan portfolio and deposit base.
Future Projections: Analyst estimates suggest moderate growth for WesBanco, driven by continued expansion and improved efficiency. However, these projections are subject to change based on market conditions and regulatory factors.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion into new markets, and efforts to improve operational efficiency.
Summary
WesBanco is a regional bank with a strong foothold in its core markets, delivering stable growth through a mix of organic expansion and strategic acquisitions. Its customer-focused approach and diversified services are significant strengths. However, it faces challenges from larger competitors and the evolving landscape of the banking industry, necessitating continuous innovation and adaptation to sustain its growth trajectory.
Similar Companies
- PNC
- FITB
- HBAN
- RF
- KEY
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Third-Party Financial Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data may vary and is based on available information. Financial data needs to be verified through official sources.
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 2195 | Website https://www.wesbanco.com |
Full time employees 2195 | 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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