WesBanco, Inc. (WSBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$41.33+0.05%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · WSBC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -6.8% |
| Our one-year growth estimate | diamond | -10.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 3.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
WSBC — President transition
Dated 2026-06-04
Senior Executive Vice President and Chief Risk Officer — Michael L. Perkins: Mr. Perkins is retiring from his position and transitioning to a consulting role.
Why it matters: A drop in sector revenue growth could signal broader economic issues. It may affect WesBanco's performance.
Worry ifSector revenue growth falls below its historical median.
Less concerning ifSector revenue growth remains above the median.
Why it matters: Maintaining the tax rate is important for profit margins. A change could affect earnings.
Worry ifThe effective tax rate for the year is reported at 20% or lower.
Less concerning ifThe effective tax rate for the year exceeds 21%.
Why it matters: This measure shows if WesBanco can keep its income growing. A drop below 3% may signal trouble.
Worry ifNon-interest income growth of 3% or more in Q3 compared to Q2.
Less concerning ifNon-interest income growth of less than 3% in Q3 compared to Q2.
Why it matters: Changes in leadership can change how a company works. This can make investors unsure.
Watch forThe new leadership team announces a strategic plan that aligns with growth goals.
Also watch forA change in leadership can cause confusion. It may lead to unclear goals.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$89 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $233 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,288 loss on $10,000 · 12.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: More buybacks show management trusts the stock. This can help the share price.
Supportive ifAt least 1 million shares repurchased in Q3.
Worry ifNo shares repurchased in Q3.
Why it matters: Growth in the commercial loan pipeline shows strong business activity. This means future earnings could be good.
Supportive ifCommercial loan pipeline exceeds $2.3 billion by the end of Q3 2026.
Worry ifCommercial loan pipeline falls below $2.3 billion by the end of Q3 2026.
Why it matters: Keeping this tax rate is key for making money. It impacts net income.
Worry ifQ2 tax rate is reported at 20% or higher but not above 21%.
Less concerning ifQ2 tax rate exceeds 21%.
Why it matters: WesBanco had strong loan growth. A drop may show less demand or more competition.
Worry ifAnnualized loan growth reported below 8% for Q3.
Less concerning ifAnnualized loan growth reported above 8% for Q3.
Why it matters: A higher efficiency ratio means costs are rising faster than income. This can hurt profits.
Worry ifEfficiency ratio was above 52.5% for Q3.
Less concerning ifEfficiency ratio was below 51.2% for Q3.
Why it matters: The pipeline's growth shows WesBanco can attract new business. A slowdown may mean problems.
Worry ifCommercial loan pipeline growth of 5% or more in Q3.
Less concerning ifCommercial loan pipeline growth of less than 5% in Q3.
Why it matters: The net interest margin shows how well WesBanco earns from its loans. A drop may indicate pressure on profitability.
Worry ifNet interest margin of 3.60% or higher in Q3.
Less concerning ifNet interest margin below 3.60% in Q3.
Why it matters: Updates on the share buyback show how management gives value to shareholders. Progress shows trust.
Supportive ifThey announced more shares repurchased, adding to the first 0.3 million.
Worry ifNo new updates or share repurchases have been announced.