NASDAQ$WSBC

Wesbanco Inc · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

WesBanco's financial performance declined due to macroeconomic deterioration and merger-related expenses.

WesBanco reported a decrease in net income and diluted earnings per share for the first quarter of 2020, compared to the same period in 2019. The results were impacted by merger-related expenses and a significant deterioration in the macroeconomic forecast due to the COVID-19 pandemic.

  • Net income was $23.4 million, or $0.35 per diluted share, compared to $40.3 million, or $0.74 per diluted share, in Q1 2019.
  • Net income excluding after-tax merger-related expenses was $27.5 million, or $0.41 per diluted share, compared to $42.8 million, or $0.78 per diluted share, in Q1 2019.
  • Successfully completed signage and systems conversion of Old Line Bancshares in February.
  • Portfolio loans increased 35.0% year-over-year due to the OLBK acquisition.

Headline financials

Total Revenue

$148M

Previous: $126M+17.5%
EPS (adj)

$0.41

Previous: $0.78-47.4%
Efficiency ratio

57.7%

Previous: 55.9%+3.2%
Tier 1 leverage capital

9.6%

No prior period
Tier 1 risk-based capital

12.5%

No prior period
Total risk-based capital

14.8%

No prior period
CET1 capital ratio

12.5%

No prior period
Net interest margin

3.5%

Previous: 3.7%-3.8%
Net loan charge-offs

0.2%

Previous: 0.1%+157.1%
Capital Expenditures

-$2.93M

Previous: -$2.18M-34.1%
Free Cash Flow

$20.5M

Previous: $38.2M-46.3%
Net Income

$23.4M

Previous: $40.3M-42.0%
Operating Income

$88.3M

Previous: $96.2M-8.2%
Gross Profit

$118M

Previous: $124M-4.3%
Cash & Equivalents

$594M

Previous: $337M+76.3%
Total Assets

$16B

Previous: $12.6B+26.9%

Revenue & EPS history

WesBanco · Revenue · Quarterly

$148M

Q1 2020+17.5%vs Q1 2019
Beat estimate in 3 of 16 quarters(19%)
ActualEstimate

Revenue by segment

WesBanco · $28M total across 9 segments · Q1 2020

  • Trust fees
    $6.95M
  • Deposit service charges
    $6.62M
  • Digital banking income
    $4.25M
  • Other income
    $3.8M
  • BOLI income
    $1.77M
  • Brokerage revenue
    $1.68M
  • Securities gains
    $1.49M
  • Mortgage banking
    $1.28M+20.8%
  • Gains on REO/other assets
    $169K

Forward guidance

WesBanco did not provide specific forward guidance in the earnings report.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+0.2%

Avg return

Earnings day

-0.9%

Avg return

5 days after

+1.1%

Avg return

30 days after

49%

32 / 65 earnings

Positive

+7.3%

Q1 2020

Best reaction

-8.4%

Q3 2021

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.3%-3.2%-3.3%
Q4 2025-2.6%+2.2%-1.0%
Q3 2025-2.1%-2.1%+0.2%
Q1 2025-0.4%+1.6%+2.9%
Q4 2024+5.3%+10.4%+11.6%
Q3 2024-1.6%+1.5%+18.1%
Q2 2024-6.2%-7.0%-5.3%
Q1 2024-0.9%-3.6%-3.4%
Q4 2023+1.4%+0.6%-5.5%
Q3 2023+2.7%+3.2%+14.0%
Q2 2023+2.5%-0.8%-10.8%
Q1 2023-6.1%-7.4%-15.3%
Q4 2022-0.0%-0.5%+2.5%
Q3 2022+3.6%+6.0%+5.6%
Q2 2022+2.0%+3.6%+6.3%
Q1 2022-2.1%-3.8%-0.2%
Q4 2021-3.3%-2.6%-5.6%
Q3 2021-8.4%-7.7%-5.9%
Q2 2021+1.3%-0.0%+4.5%
Q1 2021-1.7%-2.8%+4.1%
Q4 2020-7.5%-8.1%+3.0%
Q3 2020+5.8%+5.1%+20.5%
Q2 2020+0.9%-2.9%+4.1%
Q1 2020+7.3%+3.0%+0.8%
Q4 2019-1.9%-6.6%-9.4%
Q3 2019-6.4%-3.9%-6.0%
Q2 2019-4.5%-1.2%-6.8%
Q1 2019-0.7%-3.1%-6.6%
Q4 2018+4.7%+2.2%+6.4%
Q3 2018-2.4%-1.6%+4.4%
Q2 2018+2.3%+2.0%+6.6%
Q1 2018-0.6%-1.0%+7.6%
Q4 2017-0.2%-0.9%+0.1%
Q3 2017-0.4%-3.6%-3.7%
Q2 2017-1.8%-4.4%-10.1%
Q1 2017+3.6%+6.4%+1.9%
Q4 2016+4.2%+1.7%+0.1%
Q3 2016-4.5%-2.1%+18.9%
Q2 2016-1.7%-2.2%-0.7%
Q1 2016+0.9%
Q4 2015+3.1%
Q3 2015-1.6%
Q2 2015-0.7%
Q1 2015-0.8%
Q4 2014-4.4%
Q3 2014+0.7%
Q2 2014+2.6%
Q1 2014+3.1%
Q4 2013-1.8%
Q3 2013-1.2%
Q2 2013+1.1%
Q1 2013+3.9%
Q4 2011+1.4%
Q4 2009+1.4%
Q4 2010+1.4%
Q4 2012+0.2%
Q3 2012+4.2%
Q2 2012-0.5%
Q1 2011+1.1%
Q1 2012+3.0%
Q3 2010+4.3%
Q3 2011+4.3%
Q2 2010+4.8%
Q2 2011+4.8%
Q1 2010-0.9%

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