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Dec 31, 2025
WesBanco Q4 2025 Earnings Report
WesBanco reported strong loan and deposit growth, improved margins, and higher earnings in Q4 2025.
Key Takeaways
WesBanco delivered a solid fourth quarter with significant growth in net income and EPS, driven by the Premier Financial acquisition and organic expansion. Margins improved, credit quality remained stable, and efficiency benefited from expense synergies.
Net income available to common shareholders for Q4 2025 was $78.2 million, with diluted EPS of $0.81.
Total loans increased 51.9% year-over-year to $19.2 billion, with organic growth of 5.2%.
Total deposits grew 53.3% year-over-year to $21.7 billion, fully funding loan growth.
Net interest margin improved to 3.61%, an increase of 58 basis points year-over-year and 8 basis points quarter-over-quarter.
Revenue by Segment
Forward Guidance
WesBanco is well-positioned for continued growth through its expanded footprint, diversified funding base, and enhanced digital capabilities following the Premier Financial acquisition.
Positive Outlook
- Deposit and loan growth fully aligned
- Net interest margin improved both YoY and QoQ
- Strong credit quality metrics maintained
- Efficiency ratio improved due to cost synergies
- Record high wealth management AUM at $7.9B
Challenges Ahead
- Higher non-performing loans versus prior year
- CRE loan payoffs remain elevated
- Increased expenses from integration activities
- Moderation in mortgage banking income
- Amortization of intangibles increased significantly
Historical Earnings Impact
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Avg. Return Before/After Earnings
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