Wesbanco (WSBC)
Market Price (3/11/2026): $33.76 | Market Cap: $3.2 BilSector: Financials | Industry: Regional Banks
Wesbanco (WSBC)
Market Price (3/11/2026): $33.76Market Cap: $3.2 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.3%, Dividend Yield is 3.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.1%, FCF Yield is 7.6% | Weak multi-year price returns2Y Excs Rtn is -7.4%, 3Y Excs Rtn is -58% | Key risksWSBC key risks include [1] potential failure to successfully integrate its merger with Premier Financial or realize the anticipated financial benefits. |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 49% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 30%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28% | ||
| Low stock price volatilityVol 12M is 29% | ||
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14% | ||
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 25% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.3%, Dividend Yield is 3.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.1%, FCF Yield is 7.6% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 49% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 30%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28% |
| Low stock price volatilityVol 12M is 29% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 25% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology. |
| Weak multi-year price returns2Y Excs Rtn is -7.4%, 3Y Excs Rtn is -58% |
| Key risksWSBC key risks include [1] potential failure to successfully integrate its merger with Premier Financial or realize the anticipated financial benefits. |
Qualitative Assessment
AI Analysis | Feedback
1. Wesbanco demonstrated robust full-year 2025 financial performance, announced in late January 2026, which underpinned investor confidence despite a minor Q4 2025 earnings per share (EPS) miss. The company reported a significant 45% year-over-year growth in diluted EPS to $309 million for the full year 2025. Total assets increased by 48% to $27.7 billion, and total portfolio loans rose by 52% to $19.2 billion, with $5.9 billion attributed to the Premier Financial Corp. (PFC) acquisition and over $650 million from organic growth. Furthermore, the net interest margin (NIM) improved by 58 basis points to 3.61%.
2. The company provided an optimistic outlook for 2026, with analysts raising future EPS projections. Wesbanco anticipates mid-single-digit loan growth in 2026 and expects its net interest margin to reach the high 3.60% range in the second half of the year. Supported by these projections, the company's projected core EPS for 2026 has been raised by 13% to $3.10 compared to earlier estimates. Wesbanco also launched a new healthcare vertical, contributing $500 million in new loans.
Show more
Stock Movement Drivers
Fundamental Drivers
The 7.0% change in WSBC stock from 11/30/2025 to 3/10/2026 was primarily driven by a 7.0% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 3102026 | Change |
|---|---|---|---|
| Stock Price ($) | 31.55 | 33.75 | 7.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 873 | 873 | 0.0% |
| Net Income Margin (%) | 20.8% | 20.8% | 0.0% |
| P/E Multiple | 16.7 | 17.8 | 7.0% |
| Shares Outstanding (Mil) | 96 | 96 | 0.0% |
| Cumulative Contribution | 7.0% |
Market Drivers
11/30/2025 to 3/10/2026| Return | Correlation | |
|---|---|---|
| WSBC | 7.0% | |
| Market (SPY) | -0.9% | 36.0% |
| Sector (XLF) | -6.1% | 62.7% |
Fundamental Drivers
The 6.4% change in WSBC stock from 8/31/2025 to 3/10/2026 was primarily driven by a 17.2% change in the company's Net Income Margin (%).| (LTM values as of) | 8312025 | 3102026 | Change |
|---|---|---|---|
| Stock Price ($) | 31.71 | 33.75 | 6.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 762 | 873 | 14.5% |
| Net Income Margin (%) | 17.8% | 20.8% | 17.2% |
| P/E Multiple | 22.4 | 17.8 | -20.5% |
| Shares Outstanding (Mil) | 96 | 96 | -0.3% |
| Cumulative Contribution | 6.4% |
Market Drivers
8/31/2025 to 3/10/2026| Return | Correlation | |
|---|---|---|
| WSBC | 6.4% | |
| Market (SPY) | 5.3% | 37.8% |
| Sector (XLF) | -7.0% | 63.2% |
Fundamental Drivers
The 1.9% change in WSBC stock from 2/28/2025 to 3/10/2026 was primarily driven by a 49.3% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282025 | 3102026 | Change |
|---|---|---|---|
| Stock Price ($) | 33.11 | 33.75 | 1.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 585 | 873 | 49.3% |
| Net Income Margin (%) | 23.4% | 20.8% | -11.1% |
| P/E Multiple | 15.6 | 17.8 | 14.3% |
| Shares Outstanding (Mil) | 64 | 96 | -32.8% |
| Cumulative Contribution | 1.9% |
Market Drivers
2/28/2025 to 3/10/2026| Return | Correlation | |
|---|---|---|
| WSBC | 1.9% | |
| Market (SPY) | 15.0% | 54.1% |
| Sector (XLF) | -3.1% | 67.2% |
Fundamental Drivers
The 8.9% change in WSBC stock from 2/28/2023 to 3/10/2026 was primarily driven by a 86.9% change in the company's P/E Multiple.| (LTM values as of) | 2282023 | 3102026 | Change |
|---|---|---|---|
| Stock Price ($) | 30.98 | 33.75 | 8.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 586 | 873 | 49.0% |
| Net Income Margin (%) | 32.8% | 20.8% | -36.6% |
| P/E Multiple | 9.5 | 17.8 | 86.9% |
| Shares Outstanding (Mil) | 59 | 96 | -38.4% |
| Cumulative Contribution | 8.9% |
Market Drivers
2/28/2023 to 3/10/2026| Return | Correlation | |
|---|---|---|
| WSBC | 8.9% | |
| Market (SPY) | 77.3% | 45.7% |
| Sector (XLF) | 46.6% | 64.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WSBC Return | 21% | 10% | -11% | 9% | 7% | 2% | 40% |
| Peers Return | 18% | -30% | 30% | 1% | 26% | 2% | 41% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -1% | 81% |
Monthly Win Rates [3] | |||||||
| WSBC Win Rate | 67% | 58% | 42% | 58% | 58% | 33% | |
| Peers Win Rate | 33% | 47% | 58% | 44% | 75% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| WSBC Max Drawdown | -3% | -12% | -42% | -15% | -17% | 0% | |
| Peers Max Drawdown | -8% | -38% | -27% | -17% | -9% | -4% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -2% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, AGBK, HYNE, NU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/10/2026 (YTD)
How Low Can It Go
| Event | WSBC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -48.3% | -25.4% |
| % Gain to Breakeven | 93.3% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -51.3% | -33.9% |
| % Gain to Breakeven | 105.4% | 51.3% |
| Time to Breakeven | 354 days | 148 days |
| 2018 Correction | ||
| % Loss | -33.9% | -19.8% |
| % Gain to Breakeven | 51.3% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -64.7% | -56.8% |
| % Gain to Breakeven | 183.2% | 131.3% |
| Time to Breakeven | 1,770 days | 1,480 days |
Compare to NEWT, ATLO, AGBK, HYNE, NU
In The Past
Wesbanco's stock fell -48.3% during the 2022 Inflation Shock from a high on 11/10/2022. A -48.3% loss requires a 93.3% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Wesbanco (WSBC)
AI Analysis | Feedback
Here are 1-3 brief analogies for Wesbanco (WSBC):
- A regional PNC Bank, serving communities across West Virginia, Ohio, and neighboring states.
- Like a smaller, regional version of Bank of America or Wells Fargo, concentrated in the Mid-Atlantic.
AI Analysis | Feedback
- Deposit Accounts: Offers various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Lending Services: Provides a range of loans including residential mortgages, commercial real estate, commercial and industrial, and consumer loans.
- Wealth Management: Delivers investment management, financial planning, trust and estate administration, and brokerage services.
- Treasury Management: Offers solutions like remote deposit capture, automated clearing house (ACH) services, and positive pay for business clients to manage their cash flow.
AI Analysis | Feedback
Wesbanco (WSBC) is a financial holding company whose primary subsidiary is Wesbanco Bank, Inc. As a regional bank, it serves a broad and diversified customer base rather than having a few major corporate customers that represent a significant portion of its revenue. Its business model relies on serving a large volume of clients across different segments.
Wesbanco primarily sells its financial products and services to a wide range of individuals, businesses, and institutions. Therefore, the company serves the following categories of customers:
- Retail Customers (Individuals and Families): This category includes individuals and families seeking personal banking services such as checking accounts, savings accounts, money market accounts, certificates of deposit, credit cards, mortgages, home equity loans, personal loans, and wealth management services (through Wesbanco Trust and Investment Services).
- Small to Medium-Sized Businesses (SMBs): Wesbanco provides comprehensive commercial banking services to local and regional small to medium-sized enterprises. These services include business checking and savings accounts, commercial real estate loans, equipment financing, lines of credit, term loans, treasury management services, and merchant services.
- Corporate and Institutional Customers: This category encompasses larger corporations, non-profit organizations, and governmental entities. Wesbanco offers these clients more sophisticated financial solutions, including large commercial loans, specialized treasury management, and institutional trust and investment services.
AI Analysis | Feedback
null
AI Analysis | Feedback
Jeffrey H. Jackson President and Chief Executive Officer
Jeffrey H. Jackson serves as the President and Chief Executive Officer of Wesbanco, having joined the company in August 2022 as Senior Executive Vice President and Chief Operating Officer, and was elected to the Board of Directors effective August 1, 2023. Before his tenure at Wesbanco, Mr. Jackson held various leadership roles at First Horizon Bank, including Executive Vice President and Chief Operating Officer of regional banking, Regional President for Florida, and Market President for Southeast Tennessee and Atlanta. Prior to his career in banking, he spent 15 years with IBM in diverse positions.
Daniel K. Weiss Senior Executive Vice President and Chief Financial Officer
Daniel K. Weiss has been the Senior Executive Vice President and Chief Financial Officer of Wesbanco since January 1, 2022. He joined Wesbanco in 2008 and has held several key positions, including Senior Vice President & Chief Accounting Officer since January 2021, and Senior Vice President and Corporate Controller. Before joining Wesbanco, Mr. Weiss gained diverse experience as a public accountant at Deloitte, where he worked in the audit practice across financial services, manufacturing, healthcare, and retail industries. He is a licensed Certified Public Accountant with 20 years of experience.
Jayson M. Zatta Senior Executive Vice President – Chief Banking Officer
Jayson M. Zatta has served as Senior Executive Vice President and Chief Banking Officer of Wesbanco since February 2020. His previous roles at Wesbanco include Executive Vice President – Chief Banking Officer (from April 2017) and Executive Vice President – Chief Lending Officer (from March 2015). Mr. Zatta joined Wesbanco in 2008. Prior to that, he was the President of the Ohio Valley Region at Huntington Bank and previously served as Executive Vice President and Senior Credit Officer at Sky Bank. He brings over 37 years of experience in various lending and leadership capacities to his role.
Jan Pattishall-Krupinski Senior Executive Vice President and Chief Administrative Officer
Jan Pattishall-Krupinski was appointed Senior Executive Vice President and Chief Administrative Officer in October 2024. She previously served as Executive Vice President and Director of Operations since 2019. Ms. Pattishall-Krupinski joined Wesbanco in 2011, holding various leadership positions in Information Technology, Project Management, and Risk Management. Prior to Wesbanco, she worked as a technical consultant in Pittsburgh, PA. She holds a Bachelor of Science in Marketing from Pennsylvania State University and is a graduate of Harvard Business School's Advanced Management program. She has played a key role in transformative initiatives, including multiple acquisitions and a core banking system transformation.
Michael L. Perkins Senior Executive Vice President and Chief Risk Officer
Michael L. Perkins is the Senior Executive Vice President and Chief Risk Officer of Wesbanco, having held enterprise risk management responsibilities since 2001. Before this, he served as Senior Vice President and Chief Auditor of the Corporation. Mr. Perkins possesses 35 years of experience in banking, and prior to joining Wesbanco in 1995, he worked in the financial services industry as a public accountant. He is a licensed Certified Public Accountant.
AI Analysis | Feedback
The key risks to Wesbanco's business (symbol: WSBC) include:
-
Merger Integration Risk: Wesbanco faces market uncertainty and a potential decline in its common stock price following its merger with Premier Financial. This risk stems from possible challenges in successfully integrating Premier Financial or failing to achieve the anticipated benefits, such as expected financial outcomes.
-
Interest Rate Risk: Changes in interest rates can significantly impact Wesbanco's financial performance. For example, a higher interest rate environment in 2023 led to a decrease in net income because liabilities repriced faster than assets. Additionally, rising interest rates could cause a decline in the market values of the municipal bond portfolio, potentially leading to impairment charges.
-
Credit Risk and Loan Defaults: Wesbanco is exposed to the risk that customers may default on the repayment of loans. Such defaults can significantly impact the company's results of operations through increases in the provision and allowance for credit losses.
AI Analysis | Feedback
The clear emerging threats for Wesbanco (WSBC) are the rise of digital-only challenger banks (neobanks) and the increasing prevalence of non-bank digital lenders and embedded finance offerings from large technology companies. These entities directly compete for customer deposits, basic banking services, and specific lending segments by leveraging superior digital experiences, lower operating costs, and convenient, technology-driven solutions, thus eroding the traditional customer base and market share of regional banks like Wesbanco.
AI Analysis | Feedback
Wesbanco, Inc. (WSBC) operates as a diversified financial services company primarily within the United States, offering a range of products and services including personal and business banking, various loan types, investments, mortgages, and wealth management.
The addressable markets for Wesbanco's main products and services in the U.S. are as follows:
- Commercial Banking/Lending: The U.S. commercial banking market size is estimated at USD 732.5 billion in 2025 and is projected to reach USD 915.45 billion by 2030. Other estimates place the commercial banking market in the U.S. at USD 1.5 trillion in 2024, growing to USD 1.6 trillion in 2025. The global commercial lending market was valued at USD 9.7 trillion in 2023 and is poised to grow to USD 23.06 trillion by 2032. The U.S. holds approximately 75% of the North American commercial lending market share.
- Retail Banking: The United States retail banking market is valued at USD 0.87 trillion in 2025 and is projected to reach USD 1.08 trillion by 2030.
- Mortgages (Purchase Mortgages): The market for purchase mortgages within the U.S. is currently valued at USD 1,145.4 billion. Residential mortgage debt in the U.S. totaled $11.92 trillion as of the fourth quarter of 2022, with Americans owing $12.94 trillion on mortgages as of the second quarter of 2025.
- Wealth Management: The global assets under management (AUM) reached $162 trillion in 2025, with the United States holding 54.2% of this total, representing an approximate addressable market of $87.8 trillion in AUM for wealth management services in the U.S. The U.S. private banking market, a component of wealth management, is valued at USD 59.54 billion in 2025 and is expected to reach USD 94.89 billion by 2030.
Market sizes for other products such as general insurance and credit cards are not readily available at a granular level relevant to Wesbanco's regional operations to provide a specific addressable market.
AI Analysis | Feedback
Here are 3-5 expected drivers of future revenue growth for Wesbanco (WSBC) over the next 2-3 years:- Loan Growth: Wesbanco anticipates continued strong loan growth, driven by both organic expansion through its commercial teams and the integration of acquired portfolios, such as that from Premier Financial. The company has reported record commercial gross loan production and has over $1 billion in unfunded land construction and development commitments expected to fund within the next 18 months.
- Net Interest Margin (NIM) Expansion: Improvement in Wesbanco's net interest margin is expected to contribute to revenue growth. This is attributed to a combination of higher loan and security yields, as well as reduced funding costs. The company's net interest margin has shown sequential and year-over-year improvements, with expectations for it to rebound in the near term.
- Growth in Fee Income and Non-Interest Income: The acquisition of Premier Financial has significantly bolstered Wesbanco's non-interest income. This growth is further supported by an increase in service charges on deposits, the introduction of new products and services, enhanced treasury management offerings, and higher volumes in digital banking fees.
- Expansion into New Markets: Wesbanco is strategically expanding its geographic footprint, particularly in Tennessee, by opening new commercial loan production offices in Knoxville and its first retail banking center in Chattanooga. This expansion into high-growth markets is a key part of its strategy to accelerate growth and strengthen revenue streams.
- Investment in Digital Banking and Treasury Management: Accelerated investment in digital banking capabilities and treasury management products is expected to boost fee-based income streams. This strategy aims to capitalize on the ongoing customer migration toward digital financial services, which is likely to improve both revenue mix and net margins.
AI Analysis | Feedback
Wesbanco's capital allocation decisions over the last 3-5 years reflect a focus on strategic acquisitions, managing its capital structure through preferred stock offerings and redemptions, and consistent dividend payments.Share Repurchases
Wesbanco has indicated that the repurchase of outstanding equity securities is among its general corporate purposes, to be funded by remaining proceeds from offerings such as the Series B preferred stock. However, specific dollar amounts of common share repurchases made or explicitly authorized for the future within the last 3-5 years are not detailed in the provided information.Share Issuance
Wesbanco completed a public offering of Series B depositary shares on September 17, 2025, which raised $230 million. These shares represent interests in its 7.375% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B. Additionally, Wesbanco's shareholders approved the issuance of common stock on December 11, 2024, as part of the merger agreement to acquire Premier Financial Corp. In 2024, the company raised $200 million of common equity, contributing to a 10.2% increase in total shareholders' equity.Outbound Investments
Wesbanco completed the acquisition of Premier Financial Corp. (PFC) on February 28, 2025. This strategic acquisition significantly expanded Wesbanco's market presence and operational capacity in the Midwest region. The acquired loans from Premier Financial Corp. totaled $5.9 billion as of September 30, 2025. The merger is projected to create a regional financial services institution with approximately $27 billion in assets.Capital Expenditures
The company has stated that the remaining net proceeds from the Series B preferred stock offering may be allocated towards general corporate purposes, including capital expenditures. However, specific dollar values for past capital expenditures or detailed projections and primary focuses for future capital expenditures within the last 3-5 years are not explicitly available in the provided information.Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to WSBC.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 02282026 | NDAQ | Nasdaq | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 02272026 | JEF | Jefferies Financial | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 02272026 | PAYO | Payoneer Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02272026 | FOUR | Shift4 Payments | Dip Buy | DB | FCF Yield | Low D/EDip Buy with High Free Cash Flow YieldBuying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02202026 | COIN | Coinbase Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 2.6% | 2.6% | -6.5% |
| 09302025 | WSBC | Wesbanco | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 10.5% | 10.5% | -6.6% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 14.71 |
| Mkt Cap | 1.8 |
| Rev LTM | 269 |
| Op Inc LTM | - |
| FCF LTM | 19 |
| FCF 3Y Avg | 97 |
| CFO LTM | 20 |
| CFO 3Y Avg | 106 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 22.0% |
| Rev Chg 3Y Avg | 24.5% |
| Rev Chg Q | 30.2% |
| QoQ Delta Rev Chg LTM | 7.1% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 30.1% |
| CFO/Rev 3Y Avg | 24.9% |
| FCF/Rev LTM | 28.1% |
| FCF/Rev 3Y Avg | 22.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.8 |
| P/S | 3.8 |
| P/EBIT | - |
| P/E | 16.4 |
| P/CFO | 12.2 |
| Total Yield | 9.5% |
| Dividend Yield | 1.5% |
| FCF Yield 3Y Avg | 5.1% |
| D/E | 0.3 |
| Net D/E | -0.1 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -7.7% |
| 3M Rtn | 4.0% |
| 6M Rtn | 5.7% |
| 12M Rtn | 11.0% |
| 3Y Rtn | 18.0% |
| 1M Excs Rtn | -5.5% |
| 3M Excs Rtn | 6.1% |
| 6M Excs Rtn | 0.1% |
| 12M Excs Rtn | -10.0% |
| 3Y Excs Rtn | -60.7% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Community Banking | 575 | 564 | 561 | 581 | 490 |
| Trust and Investment Services | 25 | 28 | 30 | 26 | 27 |
| Corporate Other | -16 | ||||
| Total | 584 | 592 | 591 | 608 | 517 |
| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Community Banking | 169 | 173 | 222 | 111 | 151 |
| Trust and Investment Services | 7 | 9 | 10 | 8 | 8 |
| Corporate Other | -17 | ||||
| Total | 159 | 182 | 232 | 119 | 159 |
Price Behavior
| Market Price | $33.75 | |
| Market Cap ($ Bil) | 3.2 | |
| First Trading Date | 08/18/1995 | |
| Distance from 52W High | -9.9% | |
| 50 Days | 200 Days | |
| DMA Price | $34.91 | $31.97 |
| DMA Trend | up | up |
| Distance from DMA | -3.3% | 5.6% |
| 3M | 1YR | |
| Volatility | 27.0% | 29.1% |
| Downside Capture | 74.12 | 94.13 |
| Upside Capture | 95.69 | 88.25 |
| Correlation (SPY) | 37.2% | 55.9% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.86 | 1.10 | 0.87 | 0.94 | 0.83 | 1.00 |
| Up Beta | 0.98 | 2.35 | 2.34 | 1.53 | 0.72 | 0.95 |
| Down Beta | 0.65 | 0.43 | 0.28 | 0.90 | 0.91 | 0.80 |
| Up Capture | 110% | 121% | 99% | 83% | 75% | 108% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 10 | 20 | 30 | 62 | 118 | 346 |
| Down Capture | 67% | 93% | 52% | 79% | 97% | 106% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 11 | 21 | 30 | 60 | 131 | 398 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WSBC | |
|---|---|---|---|---|
| WSBC | 9.6% | 29.3% | 0.31 | - |
| Sector ETF (XLF) | 3.0% | 19.3% | 0.03 | 67.9% |
| Equity (SPY) | 18.7% | 19.1% | 0.77 | 55.8% |
| Gold (GLD) | 79.6% | 26.2% | 2.22 | -2.2% |
| Commodities (DBC) | 19.2% | 17.2% | 0.88 | 14.2% |
| Real Estate (VNQ) | 5.3% | 16.4% | 0.14 | 48.2% |
| Bitcoin (BTCUSD) | -20.4% | 45.5% | -0.36 | 27.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WSBC | |
|---|---|---|---|---|
| WSBC | 4.6% | 30.8% | 0.19 | - |
| Sector ETF (XLF) | 10.2% | 18.7% | 0.43 | 66.1% |
| Equity (SPY) | 13.7% | 17.0% | 0.64 | 45.8% |
| Gold (GLD) | 24.5% | 17.2% | 1.16 | -1.9% |
| Commodities (DBC) | 11.6% | 19.0% | 0.50 | 12.4% |
| Real Estate (VNQ) | 5.3% | 18.8% | 0.19 | 44.2% |
| Bitcoin (BTCUSD) | 6.5% | 56.8% | 0.33 | 15.3% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WSBC | |
|---|---|---|---|---|
| WSBC | 5.6% | 32.2% | 0.25 | - |
| Sector ETF (XLF) | 13.0% | 22.1% | 0.54 | 72.2% |
| Equity (SPY) | 14.9% | 17.8% | 0.72 | 53.0% |
| Gold (GLD) | 15.1% | 15.6% | 0.81 | -7.8% |
| Commodities (DBC) | 8.9% | 17.6% | 0.42 | 20.6% |
| Real Estate (VNQ) | 5.9% | 20.7% | 0.25 | 49.0% |
| Bitcoin (BTCUSD) | 66.0% | 66.8% | 1.05 | 13.1% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/5/2026 | 1.2% | -0.5% | 9.5% |
| 10/2/2025 | 0.7% | 5.2% | -5.7% |
| 7/3/2025 | -1.1% | -2.2% | -11.5% |
| 4/2/2025 | -8.1% | -7.3% | -2.0% |
| 1/6/2025 | -1.2% | -1.9% | 11.3% |
| 10/2/2024 | 0.3% | 1.9% | 9.6% |
| 7/3/2024 | -1.6% | 7.3% | 10.5% |
| 4/3/2024 | 0.4% | -3.3% | -1.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 11 | 13 |
| # Negative | 14 | 13 | 11 |
| Median Positive | 1.0% | 3.7% | 6.3% |
| Median Negative | -0.7% | -1.8% | -4.3% |
| Max Positive | 5.8% | 12.6% | 11.3% |
| Max Negative | -8.1% | -7.3% | -29.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/10/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/03/2025 | 10-K |
| 09/30/2024 | 10/31/2024 | 10-Q |
| 06/30/2024 | 08/01/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 02/26/2024 | 10-K |
| 09/30/2023 | 11/02/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/04/2023 | 10-Q |
| 12/31/2022 | 02/27/2023 | 10-K |
| 09/30/2022 | 11/03/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
| 12/31/2021 | 02/28/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Nelson, F Eric Jr | By: Lazy Nellie LLC | Sell | 12042025 | 33.37 | 752 | Form | |||
| 2 | Afzal, Zahid | Direct | Buy | 10312025 | 30.11 | 3,321 | 100,000 | 398,149 | Form | |
| 3 | Daniel, K Weiss | SEVP & Chief Financial Officer | Direct | Buy | 9182025 | 25.00 | 4,000 | 100,000 | 100,000 | Form |
| 4 | Robinson, Joseph R | Direct | Buy | 9182025 | 25.00 | 8,000 | 200,000 | 200,000 | Form | |
| 5 | Proctor, Gregory S Jr | Direct | Buy | 9182025 | 25.00 | 2,000 | 50,000 | 50,000 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.