--- title: "Wesbanco Pref Shares 7.375 WSBC Perp 10/01/30 | 8-K: FY2025 Q4 Revenue: USD 382.71 M" type: "News" locale: "en" url: "https://longbridge.com/en/news/273894717.md" datetime: "2026-01-27T21:40:41.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/273894717.md) - [en](https://longbridge.com/en/news/273894717.md) - [zh-HK](https://longbridge.com/zh-HK/news/273894717.md) --- # Wesbanco Pref Shares 7.375 WSBC Perp 10/01/30 | 8-K: FY2025 Q4 Revenue: USD 382.71 M Revenue: As of FY2025 Q4, the actual value is USD 382.71 M. EPS: As of FY2025 Q4, the actual value is USD 0.81. EBIT: As of FY2025 Q4, the actual value is USD -107.68 M. #### Operational Metrics ##### Net Income Available to Common Shareholders (GAAP) - **Fourth Quarter 2025:** $78,162 thousand - **Fourth Quarter 2024:** $47,098 thousand - **Year Ended 2025:** $202,564 thousand - **Year Ended 2024:** $141,385 thousand ##### Adjusted Net Income Available to Common Shareholders (Non-GAAP) - **Fourth Quarter 2025:** $80,914 thousand - **Fourth Quarter 2024:** $47,608 thousand - **Year Ended 2025:** $309,477 thousand - **Year Ended 2024:** $146,441 thousand ##### Net Interest Income - **Fourth Quarter 2025:** $222.3 million, an increase of $95.8 million or 75.7% year-over-year - **Year Ended 2025:** $814.3 million, an increase of $336.1 million or 70.3% year-over-year ##### Non-Interest Income - **Fourth Quarter 2025:** $43.3 million, an increase of $6.9 million or 18.9% from Q4 2024 - **Year Ended 2025:** $166.8 million, an increase of $38.8 million or 30.3% year-over-year ##### Non-Interest Expense - **Fourth Quarter 2025 (excluding restructuring and merger-related costs):** $144.4 million, a 43.7% increase year-over-year . Total non-interest expense was $147,888 thousand . - **Year Ended 2025 (excluding restructuring and merger-related costs):** $548.6 million, a 38.7% increase compared to the prior year . Total non-interest expense was $624,575 thousand . ##### Provision for Credit Losses - **Fourth Quarter 2025:** $3,059 thousand - **Fourth Quarter 2024:** - $147 thousand - **Year Ended 2025:** $77,242 thousand - **Year Ended 2024:** $19,206 thousand ##### Net Interest Margin - **Fourth Quarter 2025:** 3.61%, improved 58 basis points year-over-year and 8 basis points quarter-over-quarter - **Year Ended 2025:** 3.53% - **Year Ended 2024:** 2.96% ##### Efficiency Ratio (Non-GAAP) - **Fourth Quarter 2025:** 51.62% - **Fourth Quarter 2024:** 60.01% - **Year Ended 2025:** 52.87% - **Year Ended 2024:** 63.52% #### Balance Sheet Metrics ##### Total Assets - **December 31, 2025:** $27.7 billion, an increase of 48.2% year-over-year - **December 31, 2024:** $18,684,298 thousand ##### Total Deposits - **December 31, 2025:** $21.7 billion, increased 53.3% year-over-year - **December 31, 2024:** $14,133,717 thousand - **Sequential Quarter Increase (from Q3 2025):** $385 million ##### Total Loans (Portfolio Loans) - **December 31, 2025:** $19.2 billion, increased 51.9% year-over-year - **December 31, 2024:** $12,656,429 thousand - **Commercial Real Estate (CRE) Payoffs:** Approximately $415 million in Q4 2025 and $905 million for the full year ##### Capital Ratios (as of December 31, 2025) - **Tier I leverage:** 9.42% - **Tier I risk-based capital ratio:** 11.38% - **Common equity Tier 1 capital ratio (CET 1):** 10.34% - **Total risk-based capital:** 13.88% - **Tangible common equity to tangible assets ratio:** 8.13% #### Credit Quality Metrics ##### Criticized and Classified Loans - **December 31, 2025:** $604,928 thousand - **Criticized and classified loans as a percent of total portfolio loans:** 3.15% (decreased 7 basis points from sequential quarter) ##### Net Charge-offs - **Fourth Quarter 2025:** 0.06% of total loans ##### Allowance for Credit Losses - Loans - **December 31, 2025:** $218.7 million, or 1.14% of total loans ##### Non-Performing Loans - **December 31, 2025:** $91,584 thousand - **Non-performing loans / total portfolio loans:** 0.48% #### Unique Metrics ##### WesBanco Trust and Investment Services (WTIS) Assets Under Management - **December 31, 2025:** Record $7.9 billion - **December 31, 2024:** $5,968 million ##### Broker-Dealer Securities Account Values (including annuities) - **December 31, 2025:** $2,481 million - **December 31, 2024:** $1,852 million #### Outlook / Guidance WesBanco’s President and CEO, Jeff Jackson, stated that 2025 was a year of disciplined growth and strong execution, marked by the successful acquisition and integration of Premier Financial . The company achieved strong total and organic loan growth fully funded by deposits, strengthened its balance sheet, and improved its net interest margin . 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