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Market Price

37.58 

-0.04 -0.1%

as of Sep 17 '19

52 Week Range:

33.19 46.84


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

WesBanco, Inc. operates as the holding company for WesBanco Bank, Inc. that provides retail banking, corporate banking, personal and corporate trust, brokerage, and mortgage banking and insurance services in the United States. 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 purchases 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, 2017, the company operated through 172 branches and 160 ATMs in West Virginia, Ohio, western Pennsylvania, Kentucky, and southern Indiana, as well as 4 loan production offices in West Virginia, Ohio, and western Pennsylvania. WesBanco, Inc. was founded in 1968 and is headquartered in Wheeling, West Virginia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 22.10
22.16
22.83
23.82
24.45
25.25
26.92
29.01
30.66
31.66
35.30
growth rate 0.3% 3.0% 4.3% 2.6% 3.3% 6.6% 7.8% 5.7% 3.3% 11.5%
Earnings BIT 42.61
22.94
39.96
53.65
63.13
84.69
99.19
118.37
134.65
170.34
growth rate -46.2% 74.2% 34.3% 17.7% 34.2% 17.1% 19.3% 13.8% 26.5%
Avg.PE 19.12
17.54
14.14
11.83
12.06
14.68
13.71
13.59
18.74
19.86
17.19
growth rate -8.3% -19.4% -16.3% 1.9% 21.7% -6.6% -0.9% 37.9% 6.0% -13.4%
ROA 0.71
0.35
0.66
0.80
0.85
1.05
1.12
1.09
0.95
0.96
1.29
growth rate -50.7% 88.6% 21.2% 6.3% 23.5% 6.7% -2.7% -12.8% 1.1% 34.4%
ROE 6.48
3.18
5.96
7.06
7.35
8.75
9.12
8.46
7.03
6.90
8.48
growth rate -50.9% 87.4% 18.5% 4.1% 19.1% 4.2% -7.2% -16.9% -1.9% 22.9%
ROIC 9.69
7.62
7.75
7.84
7.64
8.32
7.76
growth rate -21.4% 1.7% 1.2% -2.6% 8.9% -6.7%
Leverage 8.90
9.16
8.83
8.73
8.51
8.23
7.99
7.55
7.30
7.04
6.30
growth rate 2.9% -3.6% -1.1% -2.5% -3.3% -2.9% -5.5% -3.3% -3.6% -10.5%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 19.27
19.35
18.96
18.48
25.76
28.30
29.73
growth rate 0.5% -2.0% -2.5% 39.4% 9.9% 5.1%
Acct.Payable 4.98
3.86
2.35
5,048.98
6,066.30
7,040.88
7,043.59
8,831.63
growth rate -22.5% -39.0% 214,385.3% 20.2% 16.1% 0.0% 25.4%
Cur.Assets 123.43
134.51
194.88
180.32
229.07
growth rate 9.0% 44.9% -7.5% 27.0%
Total Assets 5,222.00
5,397.40
5,361.50
5,536.03
6,078.70
6,144.80
6,296.57
8,470.30
9,790.88
9,816.18
12,458.63
growth rate 3.4% -0.7% 3.3% 9.8% 1.1% 2.5% 34.5% 15.6% 0.3% 26.9%
Cash 141.20
82.90
79.10
1,749.59
-14.70
-30.10
89.00
81.69
126.17
117.57
166.89
growth rate -41.3% -4.6% 2,111.9% -100.0% 0.0% 100.0% -8.2% 54.5% -6.8% 41.9%
Inventory 5.08
5.83
8.35
5.30
7.27
growth rate 14.6% 43.3% -36.5% 37.2%
Cur.Liabilities 5,131.29
6,151.36
7,247.78
7,238.94
9,620.66
growth rate 19.9% 17.8% -0.1% 32.9%
Liabilities 4,562.70
4,808.60
4,754.60
4,902.24
5,364.50
5,398.20
5,508.38
7,348.17
8,449.47
8,420.86
10,479.81
growth rate 5.4% -1.1% 3.1% 9.4% 0.6% 2.0% 33.4% 15.0% -0.3% 24.5%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
225.00
145.60
329.30
1,147.95
1,132.54
1,112.53
755.46
growth rate 0.1% 0.1% 0.1% -88.8% -35.3% 126.2% 248.6% -1.3% -1.8% -32.1%
Equity 659.40
588.70
606.90
633.79
714.20
746.60
788.19
1,122.13
1,341.41
1,395.32
1,978.83
growth rate -10.7% 3.1% 4.4% 12.7% 4.5% 5.6% 42.4% 19.5% 4.0% 41.8%
Common Shares 27.00
27.00
27.00
27.00
27.00
29.00
29.00
38.00
40.00
44.00
49.00
growth rate 0.0% 0.0% 0.0% 0.0% 7.4% 0.0% 31.0% 5.3% 10.0% 11.4%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 7.10
2.60
2.70
2.51
5.97
8.85
7.37
9.58
2.06
6.04
4.67
growth rate -63.4% 3.9% -6.9% 137.5% 48.2% -16.6% 29.9% -78.5% 192.8% -22.6%
Cash Dividends 29.60
28.90
14.90
15.97
18.12
22.24
25.14
33.01
37.81
44.86
53.58
growth rate -2.4% -48.4% 7.2% 13.5% 22.8% 13.0% 31.3% 14.5% 18.7% 19.4%
Cash From OA 64.80
41.40
104.10
108.70
76.82
111.48
94.81
88.39
123.08
141.63
191.56
growth rate -36.1% 151.5% 4.4% -29.3% 45.1% -15.0% -6.8% 39.3% 15.1% 35.3%
FCF per Share 2.17
1.46
3.81
4.13
2.63
3.26
2.95
2.08
2.91
2.80
3.63
growth rate -32.7% 161.0% 8.4% -36.3% 24.0% -9.5% -29.5% 39.9% -3.8% 29.6%
Sale Purchase of Stock 0.03
0.01
-3.63
1.92
1.71
1.71
1.04
growth rate -46.2% -100.0% 100.0% -10.7% 0.0% -39.3%
FCF 58.00
39.00
101.00
106.00
71.00
103.00
87.00
79.00
122.00
136.00
187.00
growth rate -32.8% 159.0% 5.0% -33.0% 45.1% -15.5% -9.2% 54.4% 11.5% 37.5%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 217.90
223.00
225.70
284.06
276.46
287.18
255.33
303.10
326.35
369.15
439.75
growth rate 2.3% 1.2% 25.9% -2.7% 3.9% -11.1% 18.7% 7.7% 13.1% 19.1%
Op.Income 42.60
22.90
40.00
43.81
49.54
63.93
100.30
127.50
138.52
157.68
202.61
growth rate -46.2% 74.7% 9.5% 13.1% 29.0% 56.9% 27.1% 8.6% 13.8% 28.5%
IBT 42.61
22.94
39.96
53.65
63.13
84.69
93.69
109.18
117.67
148.29
174.52
growth rate -46.2% 74.2% 34.3% 17.7% 34.1% 10.6% 16.5% 7.8% 26.0% 17.7%
Net Income 38.10
23.90
35.60
43.81
49.50
63.90
69.97
80.76
86.64
94.48
143.11
growth rate -37.3% 49.0% 23.1% 13.0% 29.1% 9.5% 15.4% 7.3% 9.1% 51.5%
EPS 1.42
0.70
1.34
1.65
1.84
2.18
2.39
2.15
2.16
2.14
2.92
growth rate -50.7% 91.4% 23.1% 11.5% 18.5% 9.6% -10.0% 0.5% -0.9% 36.5%
Gross Profit 255.33
303.10
326.35
369.15
439.75
growth rate 18.7% 7.7% 13.1% 19.1%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable
growth rate
Acct.Payable 7,668.60
8,941.76
8,831.63
8,916.33
8,694.93
growth rate 16.6% -1.2% 1.0% -2.5%
Cur.Assets 217.06
382.57
229.07
398.08
269.77
growth rate 76.3% -40.1% 73.8% -32.2%
Total Assets 10,946.58
12,599.48
12,458.63
12,601.41
12,494.65
growth rate 15.1% -1.1% 1.2% -0.9%
Cash 155.56
273.68
166.89
336.89
194.36
growth rate 75.9% -39.0% 101.9% -42.3%
Inventory 4.38
6.88
7.27
6.00
4.97
growth rate 56.9% 5.6% -17.4% -17.1%
Cur.Liabilities 7,942.02
9,249.19
9,620.66
9,231.92
9,012.58
growth rate 16.5% 4.0% -4.0% -2.4%
Liabilities 9,422.48
10,672.21
10,479.81
10,578.27
10,420.54
growth rate 13.3% -1.8% 0.9% -1.5%
LT Debt 1,413.83
1,321.00
755.46
1,211.43
1,277.82
growth rate -6.6% -42.8% 60.4% 5.5%
Equity 1,524.11
1,927.27
1,978.83
2,023.14
2,074.12
growth rate 26.5% 2.7% 2.2% 2.5%
Common Shares 97.20
113.76
113.76
113.76
113.95
growth rate 17.0% 0.0% 0.0% 0.2%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 0.52
1.56
2.27
2.18
3.88
growth rate 200.8% 45.9% -3.9% 78.0%
Cash Dividends 12.78
13.53
15.83
15.82
16.92
growth rate 5.9% 17.0% 0.0% 6.9%
Cash From OA 34.48
55.59
69.11
51.19
25.18
growth rate 61.2% 24.3% -25.9% -50.8%
Sale Purchase of Stock 0.48
growth rate
FCF 33.97
54.04
66.84
49.01
21.30
growth rate 59.1% 23.7% -26.7% -56.5%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 104.05
115.12
125.48
123.63
126.87
growth rate 10.6% 9.0% -1.5% 2.6%
Op.Income 48.10
52.42
59.57
56.17
58.62
growth rate 9.0% 13.6% -5.7% 4.4%
IBT 40.50
39.00
54.49
49.20
54.92
growth rate -3.7% 39.7% -9.7% 11.6%
Net Income 33.17
32.49
43.93
40.34
44.81
growth rate -2.1% 35.2% -8.2% 11.1%
EPS
growth rate
Gross Profit 104.05
115.12
125.48
123.63
126.87
growth rate 10.6% 9.0% -1.5% 2.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (86.15)

YOY Growth Grade:

D (45.61)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.19 15.48 12.84
EPS / Growth 2.4% 2.43 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 21.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.4% 11.1% 11.1%
Future PE 4.72 17.42 17.42
Future EPS 3.07 6.96 6.96
Value Price
MOS %
3.58
-90.5%
29.98
-20.2%
29.98
-20.2%
MOS Price 1.79 14.99 14.99
IRT 13.08 8.87 8.87

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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