NASDAQ$WSBC

Wesbanco Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Reported net income of $34.7 million and EPS of $0.54, driven by strategic actions to strengthen the balance sheet, including robust deposit and loan growth.

WesBanco reported a positive third quarter with strong deposit and loan growth. Net income available to common shareholders for the third quarter of 2024 was $34.7 million, with earnings per share of $0.54.

  • Total loan growth was 10.0% year-over-year and 6.3% over the sequential quarter, annualized.
  • Deposits of $13.8 billion increased 5.7% year-over-year and 12.1% over the sequential quarter, annualized.
  • Trust fees and net securities brokerage revenue increased $1.1 million combined year-over-year.
  • Key credit quality metrics continued to remain at low levels and favorable to peer bank averages.

Headline financials

Total Revenue

$151M

Previous: $149M+1.5%
EPS

$0.54

Previous: $0.59-8.5%
Efficiency ratio

65.3%

No prior period
Tangible equity ratio

9.7%

No prior period
ROA

0.8%

No prior period
ROE

5.1%

No prior period
ROTE

9.1%

No prior period
ROTCE

10.0%

No prior period
Yield on earning assets

5.2%

No prior period
Cost of interest-bearing liabilities

3.2%

No prior period
Net interest spread

2.0%

No prior period
Net interest margin

3.0%

Previous: 3.0%-2.6%
Loans to deposits

90.6%

Previous: 86.8%+4.4%
Net loan charge-offs

0.1%

No prior period
Effective tax rate

16.8%

No prior period
Assets under management

$6.06B

No prior period
Broker-dealer securities

$1.85B

No prior period
Capital Expenditures

-$5.73M

Previous: -$19.6M+70.7%
Free Cash Flow

$31.5M

Previous: $17.3M+82.7%
Net Income

$37.3M

Previous: $36.8M+1.2%
Operating Income

$45.3M

Previous: $68.1M-33.5%
Gross Profit

$146M

Previous: $142M+2.6%
Cash & Equivalents

$621M

Previous: $495M+25.4%
Total Assets

$18.5B

Previous: $17.3B+6.7%

Revenue & EPS history

WesBanco · Revenue · Quarterly

$151M

Q3 2024+1.5%vs Q3 2023
Beat estimate in 9 of 15 quarters(60%)
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 expects to accelerate its positive momentum with the pending acquisition of Premier Financial, building on their legacy of community engagement and support, and together bringing the resources of a larger and stronger financial services organization to all of our communities.

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 Q3 2024

Historical avgQ3 2024

+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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