Back to Dashboard
69

WSBC

🏦 Financial Services

WesBanco, Inc.

Conservative #85Aggressive #95Low RiskMixed 41ML↑ 29pt
$36.38+3.00%
Day High$36.50
Day Low$35.54
Volume0.5M
Mkt Cap$3.5B
52W Low $2652W High $38
Market Cap
$3.5B
P/E Ratio
14.8
Sector avg: 49.4
Rev Growth
51.4%
Sector avg: 13.4%
Earnings Growth
47.3%
Profit Margin
15.5%
Sector avg: -2.8%
Debt/Equity
0.40

Why This Score

WSBC scores 71.0 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Attractively valued at 14.8x earnings, below the market average.
  • Low volatility (5.8% annualized) — well-suited for risk-averse portfolios.

No material penalties applied. WSBC ranks #85 based on its factor profile and ML signal alignment.

Score Breakdown

Overall Score71.0
Fundamental Score66.0
ML Score71.0

Score by Horizon

3 Month
73.3
6 Month
81.9
Primary
1 Year
86.2

Quality Assessment

A
Earnings Grade
Strong fundamentals, high earnings quality

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
55
Neutral
Analyst (6.4%)
64
Favorable
Tradability (post-hoc)
80
Grade A
Base
69.9
SHAP
+3.3
Factors
+0.7
Divergence
-2.9
Final
71.0
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)71.0
Technical (Momentum, Weinstein, Volatility)80.0
External (Sentiment, Analyst, Macro)80.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+1.8% to +6.5%
Medium-term
+3.7% to +10.8%
Long-term
+5.5% to +15.1%

ML Model Core Features100 trained inputs → ML Score: 71

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score64.1/100
Target Upside+18.3%
Coverage16 analysts
Market Sentiment
Sentiment Score54.8/100
News Volume1 articles
Technical Stage
Weinstein Stage2 — Advancing
12M Momentum+0.1%
6M Momentum+0.1%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration-4.9%
Momentum ConsistencyModerate (0.66)
Relative Strength vs Sector+0.6%
Trend Strength (ADX Proxy)Moderate (1.6)
Momentum Quality+0.088
Momentum BreadthBroad ✓
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
1%
Low risk
Sector RevGr Rank
P94
Revenue growth vs Financial Services peers
Sector PE Rank
P41
Valuation vs Financial Services peers
Sector FCF Rank
P55
Free cash flow vs Financial Services peers
Growth Deviation
+0.7σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 58 relative to sector peers58/100
Machine learning model ranks this stock at the 87th percentileP87
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +5.0pt (features align with model priorities)—
Blend: 91% fund (58.1) + 9% ML (87.4) + SHAP(+5.0) = 65.7—
Factor quality: +1.0pt (multi-factor composite)—
Risk assessment: low. Annualized volatility 5.8%. Stability bonus of +10.4 pointsLow
Market cap adjustment: +0.5 points ($3.5B market cap)+0.5 pts
Conviction penalty: -0.9pt (conviction=41)—
Divergence penalty: -2.9pt (ML 29pt higher)—
Risk Factors
Earnings quality grade A: strong earnings quality and financial health. Score adjusted by -5 pointsGrade A
Quality concern: CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentalsFlag

Sector Peer Comparison(Financial Services — Rank #21 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
WSBC71.014.851.4%15.5%$3.5B
CME84.927.29.9%57.5%$109.0B
CINF82.310.711.4%18.9%$25.4B
ACT82.08.92.4%54.6%$6.0B
SEIC80.914.010.7%27.3%$9.6B
TROW79.310.13.1%28.5%$20.5B
FHB78.311.83.2%24.2%$3.3B
MCHB77.70.0123.7%23.2%$3.4B
TRMK75.611.934.8%19.3%$2.7B
BCAL74.39.926.2%27.1%$613M
NMIH73.97.78.4%55.1%$3.0B
FFIN73.218.811.7%30.7%$4.8B
TW73.130.018.9%39.6%$24.8B
VCTR73.118.38.8%32.3%$4.9B
VLY72.412.5-2.2%17.1%$7.5B
QQQX72.310.448.6%257.3%$1.4B
Sector Average45.849.413.4%-2.8%—

Market Sentimentvia FMP

Analyst Consensus
Hold16 analysts
Strong Buy: 1Buy: 7Hold: 8
Price Target
$42consensus
Low $42Median $42High $42
+15.4% to consensus target

Company Overviewvia FMP

WesBanco, Inc. operates as the bank holding company for WesBanco Bank, Inc. that provides retail banking, corporate banking, personal and corporate trust, brokerage, and mortgage banking and insurance services. It operates in two segments, Community Banking, and Trust and Investment Services. The company offers commercial demand, individual demand, and time deposit accounts; money market accounts; interest bearing and non-interest bearing demand deposits, as well as savings deposits; and certificates of deposit. It also provides commercial real estate loans; commercial and industrial loans; residential real estate loans, including loans to purchase, construct, or refinance borrower's home; home equity lines of credit; installment loans to finance the purchase of automobiles, trucks, motorcycles, boats, and other recreational vehicles, as well as home equity installment loans, unsecured home improvement loans, and revolving lines of credit; and commercial, mortgage, and individual installment loans. In addition, the company offers trust and investment services, as well as various investment products comprising mutual funds and annuities; and securities brokerage services. Further, WesBanco, Inc., through its non-banking subsidiaries, acts as an agency that specializes in property, casualty, life, and title insurance, as well as benefit plan sales and administration to personal and commercial clients; provides broker dealer and discount brokerage services; holds investment securities and loans; and holds and leases commercial real estate properties, as well as acts as an investment adviser to a family of mutual funds. As of December 31, 2021, it operated 206 branches and 203 ATMs in West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana, and Maryland, as well as seven loan production offices in West Virginia, Ohio, western Pennsylvania, Maryland, and northern Virginia. WesBanco, Inc. was founded in 1870 and is headquartered in Wheeling, West Virginia.

CEO
Jeffrey H. Jackson
Employees
3,205
Beta
0.80
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
41.6
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-4.5%
High: $38.1
From 52W Low
+37.7%
Low: $26.42
Moving Averages
10-Day
$36.40
Below
20-Day
$36.40
Below
50-Day
$35.20
Above
200-Day
$32.60
Above
60-Day Support
$32.02
60-Day Resistance
$38.1
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 — AdvancingScore: 68/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+11.6%
200 SMA Slope (60d)
+3.31%
Rising
Volume Ratio
0.96x
10d avg vs 50d avg
Days in Stage
62
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$383M$386M$379M$287M
Gross Profit$266M$258M$256M$123M
Operating Income$118M$103M$71M$-10M
Net Income$91M$84M$57M$-9M
EPS (Diluted)$0.87$0.84$0.57$-0.15
Gross Margin69.4%66.8%67.6%43.0%
Operating Margin30.7%26.7%18.7%-3.4%
Net Margin23.8%21.6%15.1%-3.1%

Why This Stock

Financial ServicesP/E ratio of 14.8Revenue growth 51.4%Profit margin 15.5%

Tradability FilterGrade A — 80/100Score impact: +2.0pt

Volume
80
500K avg/day
Dollar Vol
75
$18M/day
Float
97
93M shares
Mkt Cap
64
$3.5B
Range
82
44% spread
Composite Liquidity Score80/100
FDCBA

Multi-Year Range Analysis

Sideways: 10/100
YearLowHighRangeStatus
2021$30.21$39.8727.6%Moderate
2022$29.50$41.3733.5%Moderate
2023$19.84$38.5664.1%Wide
2024$25.56$37.3637.5%Wide
2025$26.42$37.1833.8%Moderate
3-Year Range
64.1%
Narrow Years
1 / 5
Sideways Penalty
None
Free Float
96.6%
Outstanding Shares
96M
Bid-Ask Spread
44.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.