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WESBANCO INC (WSBC) Q3 2025 10-Q Quarterly Report

Filed: Nov 10, 2025Period ending Sep 30, 2025
Financials
National Commercial BanksSEC EDGAR
WESBANCO INC Overview

WESBANCO INC (WSBC) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 10, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.

WESBANCO INC Q3 2025 10-Q Analysis

Risk Factors

  • • New risk: Integration risk from February 28, 2025 acquisition of PFC, adding 900 employees, 73 financial centers, $6.6B loans, $7.6B deposits
  • • Updated credit risk: Non-performing loans rose to 0.50% from 0.24%, criticized/classified loans 3.22% vs 2.36%, reflecting loan portfolio downgrades
  • • Regulatory/compliance risk: FDIC insurance expense increased 46.4% to $15.5M due to larger asset base post-acquisition
  • • Operational risk: Financial center optimization with 27 closures, $8M restructuring charges expected, $6M pre-tax savings phased in H1 2026
  • • Financial risk: Deposit base grew 55.7% to $15.9B interest bearing deposits, loan to deposit ratio 89.4%, providing additional lending capacity

WESBANCO INC Q3 2025 Quarterly Financials
XBRL

Revenue

$343M

▲ +60.4% YoY▲ +1.9% QoQ

Net Income

$84M

▲ +124.2% YoY▲ +45.6% QoQ

Net Margin

24.4%

▲ +693bp YoY▲ +730bp QoQ

ROE

2.0%

Total Assets

$27.5B

EPS (Diluted)

$0.89

▲ +64.8% YoY▲ +36.9% QoQ

Operating Cash Flow

$117M

▲ +92.4% YoY▲ +11.3% QoQ

Source: XBRL data from WESBANCO INC Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.

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