WesBanco, Inc. Financial Ratios — WSBCP Stock

Profitability (USD)

	2010 Y	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
As of date	12/31/2010	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

Return on Common Equity (%)	8.76	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
Return on Assets (%)	0.66	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
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 (%)	3.07	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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	17.92	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
Profit Margin (%)	15.97	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
Net Income to Common Margin (%)	15.97	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
Effective Tax Rate (%)	10.89	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
Dvd Payout Ratio (%)	41.79	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
Sustainable Growth Rate (%)	5.1	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

Credit (USD)

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	2010 Y	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
As of date	12/31/2010	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

Total Debt	547	277	225	146	329	1,148	1,133	1,113	1,535	1,898	983	459	1,121	1,735	1,471
ST Debt	187	3	- -	- -	- -	- -	- -	- -	291	282	242	142	135	106	192
LT Debt	360	274	225	146	329	1,148	1,133	1,113	1,244	1,615	741	317	986	1,629	1,279
Total Debt/EBITDA	79.85	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
Net Debt/EBITDA	68.29	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
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.78	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
Long-Term Debt/Equity (%)	59.26	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
Long-Term Debt/Capital (%)	37.31	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
Long-Term Debt/Total Assets (%)	6.71	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
Total Debt/Equity (%)	90.14	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
Total Debt/Capital (%)	56.74	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
Total Debt/Total Assets (%)	10.2	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
Net Debt to Equity	77.1	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
Net Debt/Capital (%)	52.88	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
EBITDA	7	6	6	7	7	8	9	10	10	12	14	13	13	14	15
EBITDA-CapEx	4	4	- -	-2	- -	-1	7	4	6	-1	7	5	5	-8	5
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	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
As of date	12/31/2010	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.78	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
Long-Term Debt/Equity (%)	59.26	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
Long-Term Debt/Capital (%)	37.31	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
Long-Term Debt/Total Assets (%)	6.71	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
Total Debt/Equity (%)	90.14	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
Total Debt/Capital (%)	56.74	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
Total Debt/Total Assets (%)	10.2	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
CFO/Total Liabilities	2.19	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
CFO/CapEx	38.62	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
Altman's Z-Score	0.14	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

Working Capital (USD)

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	2010 Y	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
As of date	12/31/2010	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

Accounts Receivable Turnover	10.99	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
Days Sales Outstanding	33.21	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
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

	2010 Y	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
As of date	12/31/2010	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

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	79	140	126	96	94	87	128	118	169	235	905	1,251	408	595	568
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	144	144	144	144	144
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	547	277	225	146	329	1,148	1,133	1,113	1,535	1,898	983	459	1,121	1,735	1,471
Enterprise Value	468	-879	-922	-884	-682	-342	-237	-267	-749	-731	-1,756	-3,662	-1,672	-910	835
Total Capital	964	722	705	667	895	1,778	1,821	1,856	2,386	2,864	2,101	1,723	2,485	3,164	2,965
Total Debt/Capital (%)	56.74	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
Total Debt / EV	1.17	-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	1.76
EV/Sales	2.1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.39
EV/EBITDA	68.29	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	54.63
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	4.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.96
EV/Free Cash Flow to Firm	4.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.77
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	468	137	99	50	235	1,061	1,004	995	1,365	1,663	222	-648	858	1,284	1,048
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	223	226	229	250	258	307	331	375	442	510	599	582	586	595	600
TTM EBITDA	7	6	6	7	7	8	9	10	10	12	14	13	13	14	15
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	104	109	77	111	95	88	123	142	192	163	60	336	204	169	211
TTM Free Cash Flow to Firm	107	111	83	120	102	98	125	148	197	176	67	345	212	192	221

Multiples (USD)

API ChatGPT

	2010 Y	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
As of date	12/31/2010	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

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	468	-879	-922	-884	-682	-342	-237	-267	-749	-731	-1,756	-3,662	-1,672	-910	835
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.38	25.41	24.5	17.35	23.65
EV/Sales	2.1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.39
EV/EBITDA	68.29	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	54.63
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	2.1	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
EV/Sales High	2.1	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
EV/Sales Low	2.1	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
EV/EBITDA Average	68.29	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
EV/EBITDA High	68.29	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
EV/EBITDA Low	68.29	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
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.17	23.26	21.48	22	24.7
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	28.6	29.02	28.97	25.84	25.49
Enterprise Value Average	468	137	99	50	235	1,061	1,004	995	1,365	1,663	222	-648	858	1,284	1,048
Enterprise Value High	468	137	99	50	235	1,061	1,004	995	1,365	1,663	222	-648	858	1,284	1,048
Enterprise Value Low	468	137	99	50	235	1,061	1,004	995	1,365	1,663	222	-648	858	1,284	1,048

Shares Outstanding	27	27	29	29	29	38	44	44	55	68	67	62	59	59	67
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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