Wesbanco, Inc.
wesbanco.comWhat Do They Do?
Provides retail and commercial banking, trust and investment services, and insurance to individuals and businesses.
10-K for FY2025, filed Mar 2, 2026
How Do They Make Money?
Trust and investment customers pay recurring fees for services; banking, brokerage and payment fees are charged monthly or when transactions occur, and mortgage income comes when a loan is sold.
10-K for FY2025, filed Mar 2, 2026Trust fees: Fees are earned over a period of time between monthly and annually, per the related fee schedule. The fees are earned ratably…View ↗
Service charges on deposits: There are monthly service charges for both commercial and personal banking customers, which are earned over…View ↗
Net securities brokerage revenue: Commission income is earned based on customer transactions and management of investments. The commission…View ↗
Payment processing fees: Payment processing fees are earned from the bill payment and electronic funds transfer (“EFT”) services provided…View ↗
Mortgage banking income: Income is earned when Wesbanco-originated loans are sold to an investor on the secondary market. The investor bids…View ↗
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10-K for FY2025, filed Mar 2, 2026
FY2025 revenue by product or service (NON-INTEREST INCOME) ↗
$1.3B
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10-K for FY2025, filed Mar 2, 2026
$1.3B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Trust Account fees
Recurring
10-K for FY2025, filed Mar 2, 2026 |
25%
FY2022: 24%
|
Trust Account fees, FY2025
$29M Sources
|
Recurring |
|
WesMark Fees
Recurring
|
7.0%
FY2022: 10%
|
WesMark Fees, FY2025
$8.1M Sources
|
Recurring |
|
Total Trust Fees
Recurring
10-K for FY2025, filed Mar 2, 2026 |
32%
FY2022: 34%
|
Total Trust Fees, FY2025
$37.1M Sources
|
Recurring |
|
Commercial Banking Fees
Usage-based
|
8.1%
FY2022: 2.9%
|
Commercial Banking Fees, FY2025
$9.4M Sources
|
Usage-based |
|
Personal Service Charges
|
28%
FY2022: 29%
|
Personal Service Charges, FY2025
$32M Sources
|
Who Are Their Customers?
Individuals and businesses use its branches and other delivery channels for banking and related trust, investment and insurance services.
10-K for FY2025, filed Mar 2, 2026Wesbanco, Inc. (“Wesbanco” or the “Company”), a bank holding company incorporated in 1968 and headquartered in Wheeling, West Virginia…View ↗
As of December 31, 2025, Wesbanco operated one commercial bank: Wesbanco Bank, Inc. (“Wesbanco Bank” or the “Bank”). The Bank has 251…View ↗
Wesbanco Insurance Services, Inc. (“Wesbanco Insurance”) is a multi-line insurance agency specializing in property, casualty, life and…View ↗
Wesbanco operates two reportable segments: community banking and trust and investment services. Wesbanco’s community banking segment offers…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 18 cents of every revenue dollar as net income in FY2025 and turned 22 cents into free cash flow.
How Are They Changing?
- Net income
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Sources
10-Q for Q2 FY2026, filed Jul 30, 2026
$92.7MView ↗
- ▲ +61%
- vs $57.4M in Q2 FY2025
10-Q for Q2 FY2026, filed Jul 30, 2026
Open tableView ↗
Growing. Revenue grew 2.6x in 4 years, from $485M in FY2021 to $1.3B in FY2025, about 27% a year.
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