NASDAQ$WSBC

Wesbanco Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

WesBanco reported Q3 2025, revenue of $198M, net income of $52M, diluted EPS of $0.95.

For Q3 2025, WesBanco reported revenue of $198M, net income of $52M, diluted EPS was $0.95. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $198M.
  • Net income $52M.
  • Diluted EPS $0.95.

Headline financials

Total Revenue

$262M

Previous: $151M+73.5%
EPS (adj)

$0.95

Previous: $0.54+75.9%
Efficiency ratio

55.1%

Previous: 65.3%-15.6%
Tier 1 leverage capital

9.7%

No prior period
Tier 1 risk-based capital

11.8%

No prior period
Total risk-based capital

14.6%

No prior period
CET1 capital ratio

10.1%

No prior period
Tangible equity ratio

9.3%

Previous: 9.7%-3.3%
ROA

1.2%

Previous: 0.8%+53.9%
ROE

8.3%

Previous: 5.1%+62.1%
ROTE

15.9%

Previous: 9.1%+74.9%
ROTCE

17.3%

Previous: 10.0%+73.1%
Yield on earning assets

5.6%

Previous: 5.2%+7.5%
Cost of interest-bearing liabilities

2.8%

Previous: 3.2%-13.1%
Net interest spread

2.8%

Previous: 2.0%+40.9%
Net interest margin

3.5%

Previous: 3.0%+19.7%
Loans to deposits

89.4%

Previous: 90.6%-1.3%
Net loan charge-offs

0.2%

Previous: 0.1%+280.0%
Effective tax rate

19.1%

Previous: 16.8%+14.0%
Assets under management

$7.69B

Previous: $6.06B+26.8%
Broker-dealer securities

$2.59B

Previous: $1.85B+39.7%
Capital Expenditures

-$13.1M

Previous: -$5.73M-128.1%
Net Income

$83.6M

Previous: $37.3M+124.2%
Operating Income

$103M

Previous: $45.3M+128.3%

Revenue & EPS history

WesBanco · Revenue · Quarterly

$262M

Q3 2025+73.5%vs Q3 2024
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

The release discusses WesBanco's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • WesBanco cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

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 2025

Historical avgQ3 2025

+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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