Wesbanco Inc Dossier
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SectorFinancials IndustryBanks - Regional Beta (adjusted)0.78 Intrinsic Value $40.64median of 2 methodsbased on filings through 30 Jun 2026 Market Price $37.42Price as of 30 Sep 2026 Near fair valueIntrinsic value is 9% above the market price −50% · IV below pricenear fair value ±15%IV above price · +50% Data confidence Sign in to view data confidence Market Cap $3.6B Shares Outstanding 101.1M diluted Next Earnings Date22 Oct 2026 Last ex-dividend5 Jun 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary WesBanco represents a compelling regional banking turnaround and growth story, driven by the successful integration of its Premier Financial Corp. (PFC) acquisition and strategic organic expansion into high-growth Southeast Florida markets. The bank has demonstrated robust fundamental improvements, including a 22 basis point year-over-year expansion in Net Interest Margin (NIM) to 3.57% and a significant improvement in its efficiency ratio to 52.5%. With strong capital levels (CET1 at 10.67%) and a highly granular, low-cost core deposit base, WesBanco is well-positioned to deliver positive operating leverage and sustainable long-term shareholder value. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$41.00 Mean target$44.50 High · most bullish analyst$47.00 Our research · scenarios, merits, risks, and invalidation triggersResearch as of 18 Sep 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario The bear case assumes a severe economic downturn in core Midwest markets, leading to deteriorating credit quality and higher non-performing assets. CRE payoffs accelerate beyond $900 million annually, severely dampening net loan growth. Additionally, intense deposit competition prevents NIM expansion, keeping it below 3.50%, while integration or expansion expenses push the quarterly run-rate above $155 million. Base CaseCentral scenario The base case assumes successful execution of the organic growth model, particularly the Southeast Florida commercial banking expansion, alongside stable credit quality. NIM is expected to stabilize in the mid-to-high 3.60% range, supported by lower deposit funding costs and higher earning asset yields. Annual loan growth is projected in the mid-single digits, offset slightly by elevated but manageable CRE payoffs of $700-900 million. The bank achieves its target CET1 ratio of ~11.0% by year-end 2026. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
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All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |