WesBanco, Inc. research snapshot
WSBC AI stock analysis as of the August 4, 2026 data cutoff reads WesBanco as a well-run Appalachian and Mid-Atlantic regional bank that is finally converting its Premier Financial acquisition and Southeast expansion into visible organic momentum. The stock traded at $41.85 on Google Finance and $41.88 on StockAnalysis.com on August 3, 2026, up roughly 1.1% from the $41.38 previous close, within a session range near $41.11 to $41.90, carrying a market capitalization near $4.02 billion that is consistent with the August 3 price times 95.91 million shares outstanding. The Q2 2026 report, released July 21, 2026, delivered net income available to common shareholders of $88.4 million, or $0.91 per diluted share on a GAAP basis and $0.92 excluding restructuring and merger-related costs, versus $0.57 per diluted share in Q2 2025. Adjusted EPS of $0.92 beat the roughly $0.85 consensus estimate, while loan growth reached 8.3% annualized sequentially and 3.5% year over year, the commercial pipeline hit a record $2.3 billion, the net interest margin improved 4 basis points year over year to 3.63%, and the efficiency ratio fell to a record low of 51.2%. Management guided to mid-single-digit loan growth for 2026, a net interest margin around 3.60% for the remainder of the year, quarterly expenses near $153 million in the third and fourth quarters, and an effective tax rate near 21%. The stock now trades at roughly 12.1x trailing earnings, about 1.03x book value, and about 1.84x tangible book value, above book value for the first time in this rally, with a 3.63% dividend yield. The WSBC AI stock forecast uses scenario ranges because regional bank results still depend on net interest margin, credit costs, deposit competition, CRE payoff trends, and rate policy. This page is informational research and not investment advice.
Current price
$41.85 to $41.88 on the August 3, 2026 intraday readings, up about 1.1% from the $41.38 previous close
Market cap
$4.02 billion, verified as $41.88 x 95.91 million shares
AI score
68 / 100
Rating
Accelerating organic growth with a record loan pipeline and stable margin, trading just above book value near 52-week highs
Trend status
Constructive uptrend with the stock near the $42.21 52-week high, above the 50-day average near $37.95 and the 200-day average near $34.89, with Barchart opinion at 100% Buy
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | WesBanco is a conservative, 150-plus-year-old community and regional bank holding company with a 10-state footprint, Community Banking plus Trust and Investment Services segments, a record $2.3 billion commercial pipeline, record fee income, and a record low 51.2% efficiency ratio in Q2 2026. | Medium-high |
| Moat | Moat sources include long-standing community banking relationships in West Virginia, Ohio, Pennsylvania, Kentucky, Maryland, Indiana, and Michigan, sticky deposit bases, trust and brokerage relationships with roughly $11 billion of combined assets, regulatory licenses, and brand recognition. The moat is durable but not deep versus larger super-regional and money-center banks. | Medium |
| Management | Jeff Jackson as President and CEO and Dan Weiss as CFO are running a disciplined organic growth agenda: Q2 2026 loan growth of 8.3% annualized sequentially, a record pipeline up 90% since year-end, positive operating leverage, an opportunistic buyback of about 300,000 shares at $33.55, a CET1 ratio of 10.7% in the middle of the 10.5% to 11% target, and no M&A appetite. | Medium-high |
| Financial trend | Q2 2026 adjusted diluted EPS was $0.92 versus $0.85 consensus, net interest margin improved 4 basis points year over year to 3.63%, loans grew 3.5% year over year despite about $345 million of CRE payoffs, deposits rose 2.1% to $21.6 billion, and the efficiency ratio hit a record low of 51.2%. TTM net income is about $332 million and TTM EPS about $3.46. | High |
| Valuation | At $41.85 to $41.88 and TTM EPS near $3.46, the P/E is about 12.1x, price to book is about 1.03x, price to tangible book about 1.84x, forward P/E about 11.5x, and dividend yield 3.63%. Analysts average a $44.25 price target with a Buy consensus, so the market is pricing in continued execution but no longer a deep discount. | High |
| Technical trend | WSBC traded at $41.85 to $41.88 on August 3, 2026, near the $42.21 52-week high, above the 50-day average near $37.95 and the 200-day average near $34.89, with RSI near 64 and Barchart opinion at 100% Buy across all 13 indicators. The trend is constructive but extended near the high. | Medium |
| Risk level | Key risks are net interest margin compression if deposit costs rise from the floor, elevated CRE payoffs that totaled about $345 million in Q2, criticized and classified loan increases that management attributes to timing, the three non-performing loans from Q1, higher wholesale funding as loan growth initially outpaces deposits, and the fact that the stock now trades above book value with less downside cushion. | Medium-high |
| AI confidence | High for reported financial data, verified market cap, book value, tangible book value, valuation ratios, and dividend metrics. Medium for the WSBC AI stock forecast because net interest margin, deposit costs, credit costs, and loan growth depend on rate policy, the economy, and competitive dynamics that can change faster than quarterly filings capture. | High data confidence |
| Investment certainty | Medium for total return over a full rate cycle. The 3.63% dividend yield, 15-year dividend growth record, tangible book value growth near $0.70 to $0.80 per quarter, and record pipeline provide support, but the stock is no longer cheap and regional banks require tolerance for credit cycles, rate volatility, and multiple compression. | Medium |
WSBC AI stock forecast
The WSBC AI stock forecast uses scenario ranges because regional bank earnings depend on net interest margin, credit costs, deposit betas, CRE payoff trends, and rate policy. Using a base near $41.85 and adjusted forward EPS estimates near $3.58, the three-scenario model maps a range of outcomes. Analysts surveyed by S&P Global average a $44.25 price target with a range of $41 to $46, while Google Finance shows a $43.75 average from four recent ratings.
$46 to $52
More likely if net interest margin holds near 3.60% or improves, loan growth stays in the high single digits, CRE payoffs taper as management expects, South Florida and Nashville expansion compounds, fee income keeps growing 3% to 5% year over year, tangible book value grows about $0.70 to $0.80 per quarter, and the stock holds near 1.8x to 2.0x tangible book as the sector re-rates.
$42 to $46
More likely if net interest margin stays around 3.60%, loan growth lands at the mid-single-digit guidance, expenses run near $153 million per quarter, fee income grows 3% to 5%, and the stock consolidates around the analyst consensus target of $44.25 and median of $44.50, roughly in line with the current 1.8x tangible book multiple.
$35 to $40
More likely if net interest margin compresses below 3.5%, deposit costs rise from the floor, CRE payoffs stay elevated while criticized loans keep climbing, the three non-performing loans do not resolve, loan growth slows, the sector de-rates toward 1.5x tangible book, or an economic downturn cuts loan demand and raises credit costs. The bearish range sits below book value near $40.53 toward the 200-day average near $34.89.
WSBC AI technical analysis
WSBC AI technical analysis as of the August 4, 2026 data cutoff showed a constructive uptrend near a 52-week high. StockAnalysis.com reported an August 3, 2026 intraday price of $41.88 with a 52-week range of $29.23 to $42.21, a 50-day moving average near $37.95, a 200-day moving average near $34.89, RSI near 64.00, beta near 0.69, and 20-day average volume near 986,000 shares. Barchart rated the stock 100% Buy across all 13 indicators with strength in the top 1%, and mapped resistance at $41.75, $42.12, and $42.47 with support at $41.02, $40.67, and $40.30.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $41.85 to $41.88 | Google Finance and StockAnalysis.com intraday readings on August 3, 2026, up roughly 1.1% from the $41.38 previous close, used for market cap and valuation math at the August 4, 2026 cutoff. |
| Near support | $41.02 to $41.38 | Barchart first support at $41.02 and the $41.38 previous close. A hold above this zone keeps the short-term uptrend intact. |
| Key support | $40.30 to $40.67 | Barchart second and third support levels. A break below this zone would be the first sign that the near-term rally is losing momentum. |
| Deeper support | $37.95 to $37.00 | The 50-day moving average near $37.95 is the next meaningful level, with the $37.00 area below it. A move here would suggest a larger retracement. |
| 200-day average | $34.89 | The 200-day moving average near $34.89 marks the longer-term trend boundary. A sustained close below it would put the multi-quarter uptrend at risk. |
| Near resistance | $41.75 to $42.21 | Barchart first resistance at $41.75 and the $42.21 52-week high. A breakout above $42.21 on above-average volume would be technically significant. |
| Upper resistance | $42.47 to $46.00 | Barchart third resistance at $42.47, then the $46.00 highest analyst target. Reaching this zone would require sustained loan growth, margin stability, and continued fee income gains. |
| Moving averages | Price above the 50-day and 200-day averages | The 50-day average near $37.95 and the 200-day average near $34.89 both sit below the current price, confirming a constructive medium-term trend. |
| Momentum | Positive but approaching overbought | RSI near 64.00 on StockAnalysis.com is strong but below the 70 overbought threshold. Watch for an overbought reading near the 52-week high of $42.21. |
| Volume | 20-day average near 986,000 shares | Average volume near 986,000 shares on StockAnalysis.com, with daily volume often lower. A breakout above $42.21 needs above-average volume to be reliable. |
| Volatility | Low to moderate for a regional bank | Beta near 0.69 on StockAnalysis.com and 0.67 on Google Finance indicates lower volatility than the broader market. Expect volatility to expand around the Q3 2026 earnings release expected in late October. |
| Invalidation | Close below $40.30, then below $37.95 | A sustained break below the $40.30 third support would weaken the near-term setup. A close below the $37.95 50-day average would suggest the uptrend has stalled and a larger retracement may be underway. |
WSBC AI trading strategy
The WSBC AI trading strategy is a rules-based research framework for a regional bank equity with a 3.63% dividend yield, record loan growth, and a price near the 52-week high. It is not personalized advice and should be paired with live WSBC quotes, Q3 2026 earnings, net interest margin, credit cost trends, CRE payoff data, deposit flows, and defined invalidation levels.
Watch for WSBC to hold above $41.02 and clear the $42.21 52-week high on above-average volume near 986,000 shares. Look for confirmation from Q3 2026 earnings in late October, a net interest margin near 3.60%, mid-single-digit loan growth, contained charge-offs, and continued fee income growth of 3% to 5%.
A failed breakout with a close back below the $41.38 previous close should reduce trend confidence, especially if it comes with weaker margin guidance, rising deposit costs, elevated CRE payoffs, or a rise in criticized loans. Do not chase a thin-volume push into the 52-week high without confirmation.
If WSBC pulls back toward the $40.30 to $40.67 support zone or the $37.95 50-day average without a clear credit shock or rate-driven margin deterioration, compare the lower price with book value near $40.53, tangible book value near $22.98, the 3.63% dividend yield, and the forward P/E near 11.5x.
Do not average down if the pullback is caused by credit losses, rising non-performing loans, deposit disruption, margin compression below 3.5%, or negative earnings guidance. Bank stocks can gap lower on credit surprises that are not visible in reported book value.
Track Q3 2026 earnings in late October, net interest margin, loan growth, CRE payoffs, net charge-offs, criticized and classified loans, the resolution of the three non-performing loans, ACL coverage near 1.12%, the CET1 ratio in the 10.5% to 11% range, tangible book value growth of about $0.70 to $0.80 per quarter, the $1.52 annual dividend, buyback activity, and the Florida and Nashville expansion.
Reduce position if net interest margin falls below 3.5%, criticized loans stay elevated, charge-offs rise meaningfully above the 2 basis points seen in Q2, the three non-performing loans fail to resolve, or if management signals credit deterioration in the Appalachian, Mid-Atlantic, or Southeast markets.
Investment research summary
WesBanco gets paid to take deposits, make commercial and consumer loans, provide trust and investment services, brokerage, mortgage banking, and insurance across a 10-state footprint. Customers pay for deposit safety, credit access, payments, wealth management, and local banking relationships, with record fee income and roughly $11 billion of combined trust and securities brokerage assets in Q2 2026.
The strongest differentiator is a 150-plus-year community banking presence across the Appalachian and Mid-Atlantic region plus the Southeast expansion in Florida, Tennessee, and Northern Virginia. Deposit relationships, local market knowledge, trust and wealth management, and regulatory licenses create switching costs. Larger banks, credit unions, and online banks still compete aggressively on rates and convenience.
The thesis fails if net interest margin compresses below 3.5%, if deposit costs rise from the floor while loan growth accelerates, if CRE payoffs keep running near $345 million per quarter while criticized and classified loans climb, if the three non-performing loans do not resolve, if South Florida expansion underperforms, or if the stock permanently de-rates from roughly 1.84x tangible book toward 1.5x.
Jeff Jackson as CEO and Dan Weiss as CFO are running a disciplined organic growth plan that is showing results: record loan production near $2.5 billion in the first half, a record $2.3 billion pipeline, a record low 51.2% efficiency ratio, an opportunistic buyback at $33.55, and a CET1 ratio held at 10.7% in the middle of the target range. The main key-person risk is dependence on the new South Florida and Nashville teams and on continued execution of the expansion strategy.
U.S. regional banks operate inside a long-run consolidation wave driven by technology costs, regulatory burden, and scale economics, as the 2025 Premier Financial acquisition shows. Community and regional banks with low-cost deposit funding, local lending expertise, and trust relationships can remain durable, but the sector is rate-sensitive, credit-cyclical, and faces margin pressure from large banks and fintech competitors. Management projects one Fed rate hike late in the fourth quarter of 2026.
At about 12.1x trailing earnings, 1.03x book value, 1.84x tangible book value, and a 3.63% dividend yield, WSBC is no longer a deep value regional bank. The margin of safety at $41.85 is modest because the stock trades above book value and near its 52-week high after the rally. A wider margin of safety would exist closer to $37.95 to $40.30, where the dividend yield would rise toward 3.8% to 4.0% and the tangible book multiple would compress.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| Current price | $41.85 on Google Finance and $41.88 on StockAnalysis.com at the August 3, 2026 intraday readings, up roughly 1.1% from the $41.38 previous close | Google Finance WSBC quote and StockAnalysis.com | August 4, 2026 |
| Market capitalization | $4.02 billion, verified as $41.88 x 95.91 million shares with 0.08% variance via financial_rigor.py | StockAnalysis.com and financial_rigor.py market cap verification | August 4, 2026 |
| Shares outstanding | 95.91 million common shares on Google Finance and StockAnalysis.com; 95,869,209 period-end common shares in the Q2 2026 balance sheet | Google Finance and Q2 2026 earnings release | August 4, 2026 |
| Q2 2026 results | Net income available to common shareholders of $88.4 million, $0.91 GAAP diluted EPS, $0.92 adjusted diluted EPS, versus $0.57 in Q2 2025; H1 2026 net income of $172.8 million, $1.79 GAAP and $1.83 adjusted diluted EPS | WesBanco Q2 2026 earnings release | August 4, 2026 |
| TTM financial summary | TTM revenue near $1.05 billion; TTM net income near $332.04 million; TTM EPS near $3.46; profit margin near 34.01%; FCF near $393.54 million | StockAnalysis.com WSBC statistics | August 4, 2026 |
| Net interest margin and efficiency | NIM of 3.63% in Q2 2026, up 4 basis points year over year and 6 basis points sequentially; record low efficiency ratio of 51.2%; net interest income of $222.2 million, up 2.5% year over year | WesBanco Q2 2026 earnings release and earnings call | August 4, 2026 |
| Balance sheet | Total assets of $27.8 billion, up 0.8% year over year; total portfolio loans of $19.5 billion, up 3.5%; total deposits of $21.6 billion, up 2.1%; total shareholders equity of $4.11 billion as of June 30, 2026 | WesBanco Q2 2026 earnings release | August 4, 2026 |
| Credit quality | Net charge-offs of 0.02% of average loans in Q2 2026; allowance for credit losses of 1.12% of loans, or $217.8 million; Q2 provision of $9.2 million; CRE payoffs of about $345 million; commercial pipeline of a record $2.3 billion | WesBanco Q2 2026 earnings release | August 4, 2026 |
| Book value and returns | Book value per share of $40.53; tangible book value per share of $22.98; GAAP ROA of 1.27%, ROE of 8.50%, ROTCE of 16.98% in Q2 2026, with adjusted figures of 1.29%, 8.69%, and 17.33% | WesBanco Q2 2026 earnings release | August 4, 2026 |
| Capital ratios | CET1 of 10.70%, Tier 1 leverage of 9.83%, Tier 1 risk-based capital of 11.72%, total risk-based capital of 14.18%, and tangible common equity to tangible assets of 8.44% as of June 30, 2026 | WesBanco Q2 2026 earnings release | August 4, 2026 |
| Valuation ratios | P/E near 12.06x to 12.11x, P/B near 1.02x to 1.03x, P/TBV near 1.84x, forward P/E near 11.46x to 11.68x, dividend yield near 3.63% to 3.64%, verified via financial_rigor.py | StockAnalysis.com, Google Finance, and financial_rigor.py valuation verification | August 4, 2026 |
| Dividend and yield | $0.38 quarterly dividend, $1.52 annualized, yield near 3.63%; 15 years of dividend growth; ex-dividend date of June 5, 2026 | StockAnalysis.com and Google Finance | August 4, 2026 |
| 52-week range and volume | 52-week range of $29.23 to $42.21; 20-day average volume near 986,000 shares; beta near 0.69 on StockAnalysis.com and 0.67 on Google Finance | StockAnalysis.com and Google Finance | August 4, 2026 |
| Technical indicators | RSI near 64.00; 50-day moving average near $37.95; 200-day moving average near $34.89; Barchart opinion at 100% Buy with strength in the top 1%; support at $41.02, $40.67, and $40.30; resistance at $41.75, $42.12, and $42.47 | StockAnalysis.com and Barchart | August 4, 2026 |
| Analyst consensus | Buy consensus from 8 analysts with an average price target of $44.25, range of $41 to $46 and median of $44.50; recent actions include D.A. Davidson Buy at $46, RBC Capital Hold at $44, Piper Sandler Buy at $43, KBW Hold at $42 after a downgrade, and Stephens Hold at $36 | StockAnalysis.com forecast page | August 4, 2026 |
| 2026 financial forecast | Analyst consensus for FY2026 revenue near $1.09 billion, up 10.45%, adjusted EPS near $3.58, up 5.42%, and net income near $346.85 million; FY2027 revenue near $1.16 billion and adjusted EPS near $3.87 | StockAnalysis.com forecast page | August 4, 2026 |
This WSBC AI stock analysis page is an informational research tool, not investment advice, financial advice, or a recommendation to buy or sell WesBanco, Inc. stock. Forecast scenarios are based on available public data, cross-checked sources, and explicit assumptions as of the data cutoff of August 4, 2026, and they may be wrong. Net interest margin, credit losses, deposit costs, CRE payoffs, rate policy, regional economic conditions, and market sentiment can change outcomes. Always verify current filings, prices, risk factors, and your own financial objectives before making investment decisions.
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