Sep 2026 (Q3 FY26) — Oct 22, 2026
WesBanco, Inc. Q3 FY26 — Strong Loan Growth and Expansion Market Momentum Drive Profitability
Read the full callWesBanco earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 92.7 | +61.4% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
18 of 19 judged targets kept · 19 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Net interest margin (Q2 FY26 quarterly guide) | Low 360s (%) [~3.60%-3.63%] | Mar 2026 | The second quarter margin of 3.3% was consistent with our first quarter outlook and improved 4 basis points year-over-year, primarily due to lower funding costs and improved 6 basis points sequentially due to asset repricing and 3 basis points or $1.7 million of accretion from unscheduled early payoffs of acquired loans. | Achieved |
| Financial center closures (10 centers, Northern Ohio) net pretax annual savings | $2 million annual savings, closures during May 2026 | Mar 2026 | Pending | |
| Net interest margin (2H FY26 guide) | Mid- to high 360s (%) | Mar 2026 | We anticipate our net interest margin for the remainder of the year to be relatively consistent to the second quarter around that 3.60% range | Revised Down |
1 of WESBANCO INC's 38 targets was missed. See which ones, and which are quietly gone. The 3 above are the free sample; 35 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: $31.35 on 22 Oct 2025 → $39.05. High $42.7 (13 Aug 2026), low $29.82 (17 Nov 2025).
Overview
Guidance
18 of 19 judged targets kept · 19 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Net interest margin (Q2 FY26 quarterly guide) | Low 360s (%) [~3.60%-3.63%] | Mar 2026 | The second quarter margin of 3.3% was consistent with our first quarter outlook and improved 4 basis points year-over-year, primarily due to lower funding costs and improved 6 basis points sequentially due to asset repricing and 3 basis points or $1.7 million of accretion from unscheduled early payoffs of acquired loans. | Achieved |
| Financial center closures (10 centers, Northern Ohio) net pretax annual savings | $2 million annual savings, closures during May 2026 | Mar 2026 | Pending | |
| Net interest margin (2H FY26 guide) | Mid- to high 360s (%) | Mar 2026 | We anticipate our net interest margin for the remainder of the year to be relatively consistent to the second quarter around that 3.60% range | Revised Down |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 38 tracked commitments, with each call’s wording and source.
Call summaries
WesBanco, Inc. Q3 FY26 — Strong Loan Growth and Expansion Market Momentum Drive Profitability
Read the full callWesBanco Q2 FY26 — Strong Loan Growth and Florida Expansion Drive Momentum
Read the full callWesBanco Q1 FY26 — Exceeding Premier Targets and Strategic South Florida Expansion
Read the full callEvery analysed call
Financials
Net profit, year on year: +61% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 45 | 62 | -10 | 71 | 103 | 115 | 111 | 118 |
| Tax rate | 16.8% | 19.9% | 7.0% | 19.1% | 19.1% | 20.5% | 20.4% | 21.1% |
| Net profit | 37 | 50 | -9 | 57 | 84 | 91 | 89 | 93 |
| EPS ($ per share) | 0.54 | — | -0.15 | 0.57 | 0.84 | — | 0.88 | 0.92 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 114 | 142 | 142 | 142 | 142 | 142 | 157 | 200 |
| Reserves | 738 | 825 | 832 | 978 | 1,078 | 1,143 | 1,192 | 1,253 |
| Total liabilities | 10,480 | 13,126 | 13,669 | 14,234 | 14,505 | 15,179 | 15,894 | 23,664 |
| Fixed assets | 167 | 261 | 249 | 229 | 221 | 234 | 219 | 263 |
| Total assets | 12,459 | 15,720 | 16,426 | 16,927 | 16,932 | 17,712 | 18,684 | 27,696 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 192 | 163 | 60 | 336 | 204 | 169 | 211 | 290 |
| Cash from investing | -52 | 104 | 58 | -328 | -1,068 | -535 | -1,030 | -71 |
| Cash from financing | -88 | -202 | 553 | 338 | 21 | 553 | 792 | 169 |
| Net cash flow | 52 | 66 | 671 | 346 | -843 | 187 | -27 | 388 |
| Capital expenditure | -5 | -12 | -8 | -9 | -8 | -23 | -10 | -10 |
| Free cash flow | 187 | 151 | 52 | 328 | 196 | 147 | 201 | 280 |
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Return on tangible common equity (ROTCE) | 17.4%The strength of our first quarter financial performance was reflected in our returns on average assets and tangible common equity of 1.3% and 17.4%, respectively.Source: earnings call transcript | 17.3%The strength of our financial performance was reflected in our second quarter and year-to-date returns on average assets and tangible common equity of 1.3% and 17.3%, respectively.Source: earnings call transcript | — | -0.1 pt |
| Common equity tier 1 ratio (CET1) | 10.7%Our capital position also remained solid with a CET1 ratio of 10.7%.Source: earnings call transcript | 10.7%Our capital position also remained solid with a CET1 ratio of 10.7%, which allowed us to repurchase approximately 300,000 shares during the quarter, while also providing flexibility to support our growth expectations.Source: earnings call transcript | 10.6%Our capital position also remains solid with a CET1 ratio of 10.6%, which continues to provide flexibility to support our growth expectations.Source: earnings call transcript | -0.1 pt |
| Efficiency ratio | 52.5%To highlight a few of the first quarter's year-over-year accomplishments, we generated strong pretax pre-provision core earnings growth of 44% grew core earnings per share by 38% and improved the net interest margin by 22 basis points and reduced the efficiency ratio by nearly 4 percentage points to 52.5%.Source: earnings call transcript | 51%Further, we are demonstrating our ability to drive profitable growth across the franchise as we generated strong positive operating leverage and an efficiency ratio of 51%.Source: earnings call transcript | 52%We also improved return on average assets to 1.3% and lowered our efficiency ratio to 52%.Source: earnings call transcript | +1 pt |
| Net interest margin | 3.57%The first quarter margin of 3.57% improved 22 basis points year-over-year through a combination of lower funding costs and higher security yields but declined 4 basis points sequentially.Source: earnings call transcript | 3.3%The second quarter margin of 3.3% was consistent with our first quarter outlook and improved 4 basis points year-over-year, primarily due to lower funding costs and improved 6 basis points sequentially due to asset repricing and 3 basis points or $1.7 million of accretion from unscheduled early payoffs of acquired loans.Source: earnings call transcript | — | -0.3 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
108 filings between Oct 30, 2025 and Aug 26, 2026.
Purchases
$380.9K
11 purchases by 6 insiders
Sales
$1.66M
22 sales by 6 insiders
Also filed: 8 other filings.
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Zatta Jayson M | — | $522.5K | Jul 29, 2026 |
| Pattishall-Krupinski Jan | — | $363.2K | Jul 28, 2026 |
| Friend Robert H | — | $336.5K | Aug 11, 2026 |
| Griffith Kimberly L | — | $283.2K | Jul 27, 2026 |
| Knouse-Snyder Denise H | — | $125.5K | Aug 24, 2026 |
| Altman Louis Michael | $101.2K | — | Apr 23, 2026 |
| Burdman Lee J. | $100.8K | — | Apr 23, 2026 |
| Afzal Zahid | $100.0K | — | Oct 30, 2025 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 26, 2026 | Laws Richard K SEVP Chief Legal Counsel | Tax withheld | 1,558 | $65.8K |
| Aug 24, 2026 | Knouse-Snyder Denise H Director | Sale | 3,070 | $125.5K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Sale | 1,000 | $42.1K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Sale | 213 | $9.0K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Sale | 787 | $33.1K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Sale | 200 | $8.4K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Sale | 1,100 | $46.3K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Option exercise | 1,000 | $31.9K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Sale | 1,000 | $42.1K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Option exercise | 1,000 | $21.6K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Sale | 700 | $29.4K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Sale | 2,000 | $84.1K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Option exercise | 1,000 | $38.8K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Option exercise | 2,000 | $57.2K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Sale | 1,000 | $42.1K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Option exercise | 1,000 | $32.3K |
| Aug 11, 2026 | Friend Robert H EVP & CCO | Option exercise | 2,000 | $49.8K |
| Jul 29, 2026 | Zatta Jayson M SEVP & Chief Banking Officer | Sale | 12,500 | $522.5K |
| Jul 28, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Option exercise | 2,250 | $87.3K |
| Jul 28, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Sale | 2,250 | $93.3K |
| Jul 28, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Sale | 500 | $21.0K |
| Jul 28, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Sale | 2,000 | $83.8K |
| Jul 28, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Option exercise | 2,000 | $77.6K |
| Jul 28, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Option exercise | 500 | $10.8K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Sale | 1,125 | $46.3K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Option exercise | 1,500 | $58.2K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Option exercise | 1,000 | $32.3K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Option exercise | 2,250 | $64.3K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Option exercise | 1,000 | $24.9K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Sale | 2,250 | $92.7K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Option exercise | 1,125 | $35.9K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Sale | 1,000 | $41.2K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Sale | 1,500 | $61.8K |
| Jul 27, 2026 | Griffith Kimberly L SEVP - Human Resources | Sale | 1,000 | $41.2K |
| Jun 22, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Option exercise | 2,250 | $56.0K |
| Jun 22, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Sale | 2,250 | $82.6K |
| Jun 22, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Sale | 2,250 | $82.6K |
| Jun 22, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Option exercise | 2,250 | $64.3K |
| Jun 1, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Tax withheld | 183 | $6.1K |
| Jun 1, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Tax withheld | 159 | $5.3K |
| Jun 1, 2026 | Pattishall-Krupinski Jan SEVP - Chief Admin Officer | Award | 767 | $0 |
| Jun 1, 2026 | Griffith Kimberly L SEVP - Human Resources | Tax withheld | 500 | $17.3K |
| Jun 1, 2026 | Clossin Todd Director | Tax withheld | 10,988 | $379.7K |
| Jun 1, 2026 | Clossin Todd Director | Tax withheld | 876 | $29.3K |
| Jun 1, 2026 | Clossin Todd Director | Tax withheld | 566 | $18.9K |
| Jun 1, 2026 | Jackson Jeffrey H President & CEO | Tax withheld | 12,059 | $416.8K |
| Jun 1, 2026 | Clossin Todd Director | Award | 4,266 | $0 |
| Jun 1, 2026 | Friend Robert H EVP & CCO | Tax withheld | 1,491 | $51.5K |
| Jun 1, 2026 | Zatta Jayson M SEVP & Chief Banking Officer | Tax withheld | 5,962 | $206.0K |
| Jun 1, 2026 | Zatta Jayson M SEVP & Chief Banking Officer | Tax withheld | 341 | $11.4K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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