WSBCOHIGH SIGNALOPERATIONAL10-K

WesBanco completed a major acquisition that substantially expanded its footprint from 181 to 251 branches across seven states while meaningfully growing its asset base to $27.7 billion.

This represents a transformational expansion for WesBanco, adding 70 new branches and extending its geographic reach into Michigan while strengthening its presence in existing markets. The significant increase in share count from 67 million to 96 million shares suggests this was likely a stock-based acquisition that diluted existing shareholders but created a much larger regional banking franchise.

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

WesBanco's financial profile reflects the impact of a major acquisition, with total assets expanding to $27.7 billion and deposits growing substantially to $21.7 billion. Net interest income and net income both grew meaningfully, though the increase in share count suggests per-share metrics may tell a different story. The balance sheet expansion appears well-funded with stockholders' equity increasing to $4.0 billion, while cash and equivalents nearly doubled to $956 million, providing strong liquidity for integration activities.

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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