B

WesBanco, Inc. — Earnings Quality Grade B

WSBC · Financial Services

Generally healthy

Revenue
$974M
2025
Net Income
$223M
2025
Gross Margin
Free Cash Flow
$280M
01

Screening Summary

9
Passed
3
Watch
0
Failed
M-Score

Management Signals

View all →
Routine2026-03-04
Michael J. Crawford · DirectorRetirement
Planned succession
SEC
Routine2026-03-04
Abigail M. Feinknopf · directorRetirement
SEC
Routine2026-03-04
Michael J. Crawford · directorResignation
SEC
Routine2026-01-23
Michael L. Perkins · DirectorRetirement
SEC

Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available

02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

DSO 40 days, change -8 days YoY

A2AR vs Revenue Growth

AR growth 36.2% vs revenue growth 62.3%

A3Revenue vs CFFO

Revenue 62.3%, CFFO 37.6%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

B2CapEx vs Revenue

CapEx growth 0.9% vs revenue 62.3%. Normal

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

C1CFFO vs Net Income

CFFO/NI = 1.30. Profits backed by cash

C2Free Cash Flow

FCF $0.3B, FCF/NI = 1.25

C3Accruals Ratio

Accruals ratio = -0.2%. Low accruals

!
C4Cash vs Debt

Cash $1.0B covers 59% of debt $1.6B

04

Balance Sheet Health

!
D1Goodwill + Intangibles

Goodwill+Intangibles $1.7B = 43% of equity

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

!
E2Goodwill Surge

Goodwill+Intangibles surged 53% YoY

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Altman Z-Score — Not Applicable

WesBanco, Inc. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25