WesBanco, Inc. Financial Ratios — WSBCO Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.17	10.72	12.76	12.87	13.51	13.14	13.2	17.95	17.48	12.31	22.18	15.56	11.89	10.74	14.46
Return on Assets (%)	0.8	0.85	1.05	1.12	1.09	0.95	0.96	1.28	1.13	0.76	1.45	1.13	0.92	0.83	0.96
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.76	2.64	2.79	2.87	2.65	2.8	2.79	2.37	2.27	2.36	2.3	2.23	2.43	2.55	2.07
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.7	27.52	33.81	36.38	35.56	35.6	39.58	39.5	37.91	24.21	51.82	40.36	32.63	30.84	28.67
Profit Margin (%)	19.36	21.6	25.52	27.17	26.31	26.21	25.22	32.39	31.17	20.36	41.59	32.79	26.74	25.24	22.9
Net Income to Common Margin (%)	19.36	21.6	25.52	27.17	26.31	26.21	25.22	32.39	31.17	19.92	39.85	31.07	25.04	23.56	20.79
Effective Tax Rate (%)	18.34	21.52	24.52	25.32	26.03	26.38	36.29	18	17.77	15.88	19.74	18.73	18.05	18.15	20.1
Dvd Payout Ratio (%)	36.44	36.57	34.8	35.92	40.87	43.64	47.48	37.44	41.9	71.4	37.26	44.69	55.26	61.83	59.11
Sustainable Growth Rate (%)	6.47	6.8	8.32	8.25	7.99	7.41	6.93	11.23	10.16	3.52	13.92	8.61	5.32	4.1	5.91

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	277	225	146	329	1,148	1,133	1,113	1,535	1,898	983	459	1,121	1,735	1,471	1,619
ST Debt	3	- -	- -	- -	- -	- -	- -	291	282	242	142	135	106	192	111
LT Debt	274	225	146	329	1,148	1,133	1,113	1,244	1,615	741	317	986	1,629	1,279	1,509
Total Debt/EBITDA	44.47	37.18	20.87	44.58	141.34	122.54	106.55	146.83	164.07	69.58	34.26	85.99	120.19	96.24	80.22
Net Debt/EBITDA	21.97	16.43	7.18	31.86	130.66	108.67	95.29	130.64	143.78	5.51	-59.21	54.67	78.95	59.08	32.85
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.03	7.9	8.49	8.99	7.44	7.03	7.57	6.83	6.15	5.93	6.61	7.2	7.25	7.22	5.25
Long-Term Debt/Equity (%)	43.27	31.51	19.51	41.78	102.3	84.43	79.73	62.87	62.28	26.89	11.76	40.65	64.31	45.85	37.41
Long-Term Debt/Capital (%)	38	31.91	21.83	36.79	64.56	62.19	59.95	52.14	56.4	35.28	18.39	39.69	51.49	43.15	45.76
Long-Term Debt/Total Assets (%)	4.95	3.7	2.37	5.23	13.55	11.57	11.33	9.99	10.28	4.51	1.87	5.83	9.2	6.85	5.45
Total Debt/Equity (%)	43.77	31.51	19.51	41.78	102.3	84.43	79.73	77.55	73.17	35.67	17.03	46.21	68.49	52.73	40.16
Total Debt/Capital (%)	38.44	31.91	21.83	36.79	64.56	62.19	59.95	64.32	66.26	46.79	26.62	45.12	54.84	49.63	49.12
Total Debt/Total Assets (%)	5.01	3.7	2.37	5.23	13.55	11.57	11.33	12.32	12.07	5.99	2.71	6.62	9.8	7.87	5.85
Net Debt to Equity	21.63	13.92	6.71	29.85	94.58	74.87	71.31	69	64.11	2.82	-29.43	29.38	44.99	32.37	16.45
Net Debt/Capital (%)	23.58	17.15	8.76	29.37	62.74	59.33	57.24	61.59	63.24	6.51	-168.16	34.33	44.37	37.69	28.34
EBITDA	6	6	7	7	8	9	10	10	12	14	13	13	14	15	20
EBITDA-CapEx	4	- -	-2	- -	-1	7	4	6	-1	7	5	5	-8	5	10
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.03	7.9	8.49	8.99	7.44	7.03	7.57	6.83	6.15	5.93	6.61	7.2	7.25	7.22	5.25
Long-Term Debt/Equity (%)	43.27	31.51	19.51	41.78	102.3	84.43	79.73	62.87	62.28	26.89	11.76	40.65	64.31	45.85	37.41
Long-Term Debt/Capital (%)	38	31.91	21.83	36.79	64.56	62.19	59.95	52.14	56.4	35.28	18.39	39.69	51.49	43.15	45.76
Long-Term Debt/Total Assets (%)	4.95	3.7	2.37	5.23	13.55	11.57	11.33	9.99	10.28	4.51	1.87	5.83	9.2	6.85	5.45
Total Debt/Equity (%)	43.77	31.51	19.51	41.78	102.3	84.43	79.73	77.55	73.17	35.67	17.03	46.21	68.49	52.73	40.16
Total Debt/Capital (%)	38.44	31.91	21.83	36.79	64.56	62.19	59.95	64.32	66.26	46.79	26.62	45.12	54.84	49.63	49.12
Total Debt/Total Assets (%)	5.01	3.7	2.37	5.23	13.55	11.57	11.33	12.32	12.07	5.99	2.71	6.62	9.8	7.87	5.85
CFO/Total Liabilities	2.22	1.43	2.07	1.72	1.2	1.46	1.69	1.83	1.24	0.44	2.36	1.41	1.12	1.33	1.23
CFO/CapEx	43.24	12.87	12.6	12.86	9.23	59.72	23.54	41.1	13.39	7.89	39.4	25.55	7.52	20.43	27.85
Altman's Z-Score	0.15	0.14	0.15	0.16	0.13	0.13	0.14	0.13	0.11	0.12	0.12	0.13	0.13	0.13	0.11

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	11.37	11.88	13.07	13.76	13.88	12.23	12.91	12.88	12.36	10.85	9.13	9.06	8.15	7.71	10.53
Days Sales Outstanding	32.1	30.73	27.92	26.53	26.3	29.85	28.27	28.33	29.54	33.63	39.99	40.3	44.79	47.36	34.65
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	140	126	96	94	87	128	118	169	235	905	1,251	408	595	568	956
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	144	144	144	144	144	224
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	277	225	146	329	1,148	1,133	1,113	1,535	1,898	983	459	1,121	1,735	1,471	1,619
Enterprise Value	-879	-922	-884	-682	-342	-237	-267	-749	-731	-1,756	-3,662	-1,672	-910	-1,198	663
Total Capital	722	705	667	895	1,778	1,821	1,856	2,386	2,864	2,101	1,723	2,485	3,164	2,965	3,296
Total Debt/Capital (%)	38.44	31.91	21.83	36.79	64.56	62.19	59.95	64.32	66.26	46.79	26.62	45.12	54.84	49.63	49.12
Total Debt / EV	-0.32	-0.24	-0.16	-0.48	-3.36	-4.78	-4.17	-2.05	-2.6	-0.56	-0.13	-0.67	-1.91	-1.23	2.44
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.68
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32.83
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.28
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.2
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	137	99	50	235	1,061	1,004	995	1,365	1,663	222	-648	858	1,284	1,048	887
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	226	229	250	258	307	331	375	442	510	599	582	586	595	600	974
TTM EBITDA	6	6	7	7	8	9	10	10	12	14	13	13	14	15	20
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	109	77	111	95	88	123	142	192	163	60	336	204	169	211	290
TTM Free Cash Flow to Firm	111	83	120	102	98	125	148	197	176	67	345	212	192	221	301

Multiples (USD)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-879	-922	-884	-682	-342	-237	-267	-749	-731	-1,756	-3,662	-1,672	-910	-1,198	663
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.02
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.68
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32.83
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	0.61	0.43	0.2	0.91	3.46	3.04	2.66	3.09	3.26	0.37	- -	1.46	2.16	1.75	0.91
EV/Sales High	0.61	0.43	0.2	0.91	3.46	3.04	2.66	3.09	3.26	0.37	- -	1.46	2.16	1.75	0.91
EV/Sales Low	0.61	0.43	0.2	0.91	3.46	3.04	2.66	3.09	3.26	0.37	- -	1.46	2.16	1.75	0.91
EV/EBITDA Average	21.97	16.43	7.18	31.86	130.66	108.67	95.29	130.64	143.78	15.73	-48.42	65.75	88.96	68.53	43.96
EV/EBITDA High	21.97	16.43	7.18	31.86	130.66	108.67	95.29	130.64	143.78	15.73	-48.42	65.75	88.96	68.53	43.96
EV/EBITDA Low	21.97	16.43	7.18	31.86	130.66	108.67	95.29	130.64	143.78	15.73	-48.42	65.75	88.96	68.53	43.96
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.79
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.03
Enterprise Value Average	137	99	50	235	1,061	1,004	995	1,365	1,663	222	-648	858	1,284	1,048	887
Enterprise Value High	137	99	50	235	1,061	1,004	995	1,365	1,663	222	-648	858	1,284	1,048	887
Enterprise Value Low	137	99	50	235	1,061	1,004	995	1,365	1,663	222	-648	858	1,284	1,048	887

Shares Outstanding	27	29	29	29	38	44	44	55	68	67	62	59	59	67	96
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

WesBanco, Inc.

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