NASDAQ$WSBC

Wesbanco Inc · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Net income decreased due to a lower interest rate environment and lower non-interest income.

WesBanco reported a net income of $41.6 million, or $0.68 per diluted share, for the first quarter of 2022, compared to $70.6 million, or $1.05 per diluted share, for the first quarter of 2021. The current quarter was impacted by restructuring and merger-related expenses.

  • Sequential quarter total loan growth improved by 0.9%, or 3.6% annualized, when excluding Small Business Administration Payroll Protection Program (“SBA PPP”) loans
  • Successful execution on our strategy to seek additional long-term growth opportunities through the opening of loan production offices in Nashville and Indianapolis
  • Deposit growth, excluding certificates of deposit (“CDs”), was 7.3% year-over-year, driven by growth in demand deposits and savings accounts
  • WesBanco continues to be acknowledged for its strong financial performance and employee focus as it was recognized by Forbes as both one of America’s Best Banks and Best Midsize Employers

Headline financials

Total Revenue

$138M

Previous: $150M-7.7%
EPS (adj)

$0.70

Previous: $1.06-34.0%
Efficiency ratio

61.7%

Previous: 56.7%+8.9%
Tier 1 leverage capital

9.7%

Previous: 10.7%-10.0%
Total risk-based capital

16.3%

Previous: 17.6%-7.2%
CET1 capital ratio

12.0%

Previous: 13.7%-12.0%
Net interest margin

3.0%

Previous: 3.3%-9.8%
Capital Expenditures

-$559K

Previous: -$2.36M+76.3%
Free Cash Flow

$43.6M

Previous: $70.8M-38.4%
Net Income

$44.1M

Previous: $73.1M-39.7%
Operating Income

$122M

Previous: $109M+12.3%
Gross Profit

$135M

Previous: $122M+10.6%
Cash & Equivalents

$1.37B

Previous: $759M+80.4%
Total Assets

$17.1B

Previous: $17.1B+0.3%

Revenue & EPS history

WesBanco · Revenue · Quarterly

$138M

Q1 2022-7.7%vs Q1 2021
Beat estimate in 7 of 16 quarters(44%)
ActualEstimate

Revenue by segment

WesBanco · $27.8M total across 7 segments · Q4 2022

  • Deposit service charges
    $6.76M+2.6%
  • Trust fees
    $6.67M-10.3%
  • Digital banking income
    $4.7M+5.2%
  • Other income
    $4.05M-13.5%
  • Brokerage revenue
    $2.56M+61.9%
  • BOLI income
    $2.46M-14.0%
  • Mortgage banking
    $621K-78.4%

Forward guidance

WesBanco did not provide 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 2022

Historical avgQ1 2022

+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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