WSBCHIGH SIGNALFINANCIAL10-K

WesBanco completed a major acquisition that substantially expanded its balance sheet, nearly doubling total assets to $27.7 billion and significantly increasing its geographic footprint.

The bank executed a transformative acquisition that meaningfully expanded its scale and market presence, adding 70 branches and extending operations into Michigan while growing its asset base substantially. This represents a significant strategic shift for WesBanco, moving it into a notably larger size category within the regional banking sector.

Comparing 2026-03-02 vs 2025-03-03View on EDGAR →
FINANCIAL ANALYSIS

WesBanco's financial profile was dramatically transformed through acquisition activity, with total assets growing substantially to $27.7 billion and deposits expanding meaningfully to $21.7 billion. Net interest income grew substantially alongside the expanded balance sheet, while net income increased significantly to $223.1 million, demonstrating the bank's ability to successfully integrate and monetize the acquired operations. The company's cash position strengthened notably to $956.1 million, and stockholders' equity grew by 44.5% to $4.0 billion, reflecting both the acquisition impact and strong underlying profitability.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
+68.3%
$568.1M$956.1M

Cash position surged 68.3% — strong cash generation or capital raise providing significant financial cushion.

Net Interest Income
P&L
+54.1%
$825.6M$1.3B

Net interest income grew 54.1% — benefiting from rate environment or loan book expansion.

Total Deposits
Balance Sheet
+53.3%
$14.1B$21.7B

Deposits grew 53.3% — expanding customer base or increased trust in the institution.

Total Liabilities
Balance Sheet
+48.9%
$15.9B$23.7B

Liabilities grew 48.9% — significant increase in debt or obligations, assess impact on financial flexibility.

Total Assets
Balance Sheet
+48.2%
$18.7B$27.7B

Asset base grew 48.2% — expansion through organic growth, acquisitions, or capital deployment.

Net Income
P&L
+47.3%
$151.5M$223.1M

Net income grew 47.3% — bottom-line growth signals improving overall business health.

Provision for Credit Losses
P&L
+45.6%
$7.6M$11.1M

Credit loss provisions surged 45.6% — management flagging significant deterioration in loan quality ahead.

Stockholders Equity
Balance Sheet
+44.5%
$2.8B$4.0B

Equity base grew 44.5% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Operating Cash Flow
Cash Flow
+37.6%
$211.0M$290.4M

Operating cash flow surged 37.6% — exceptional cash generation, highest quality earnings signal.

LANGUAGE CHANGES
NEW — 2026-03-02
PRIOR — 2025-03-03
ADDED
As of February 18, 2026, there were 96,113,059 shares of Wesbanco, Inc.
As of December 31, 2025, Wesbanco operated one commercial bank: Wesbanco Bank, Inc.
The Bank has 251 branches and 266 ATM machines located in West Virginia, Ohio, western Pennsylvania, Kentucky, Indiana, Michigan and Maryland.
Total assets of Wesbanco as of December 31, 2025 approximated $27.7 billion.
The market value of assets under management of the trust and investment services segment is approximately $7.9 billion as of December 31, 2025.
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REMOVED
As of February 20, 2025, there were 66,942,912 shares of Wesbanco, Inc.
As of December 31, 2024, Wesbanco operated one commercial bank: Wesbanco Bank, Inc.
The Bank has 181 branches and 188 ATM machines located in West Virginia, Ohio, western Pennsylvania, Kentucky, southern Indiana and Maryland.
Total assets of Wesbanco as of December 31, 2024 approximated $18.7 billion.
The market value of assets under management of the trust and investment services segment is approximately $6.0 billion as of December 31, 2024.
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