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WesBanco Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Achieved 105% year-over-year pre-tax, pre-provision earnings growth and 45% EPS growth to $3.40, excluding merger-related charges, driven by disciplined growth and the Premier Financial (PFC) acquisition.
Net income for Q4, excluding merger/restructuring, was $81 million, with diluted EPS of $0.84, up 18% year-over-year.
Completed the acquisition and integration of Premier Financial, expanding assets to $28 billion and ranking among the top 50 U.S. financial institutions.
Closed 27 financial centers in January 2026 as part of ongoing efficiency initiatives.
Record levels reached in fee income and wealth management assets under management.
Financial highlights
Q4 net interest margin reached 3.61%, up 58 basis points year-over-year and 8 basis points sequentially.
Total assets grew 48% year-over-year to $27.7 billion; portfolio loans increased 52% to $19.2 billion, including $5.9 billion from PFC and 5.2% organic growth.
Deposits rose 53% year-over-year to $21.7 billion, fully funding loan growth.
Non-interest income for Q4 was $43.3 million, up 19% year-over-year; full-year non-interest income reached a record $167 million.
Efficiency ratio improved to 51.6% for Q4, reflecting operational discipline and expense synergies from the PFC acquisition.
Outlook and guidance
Expect mid-single-digit year-over-year loan growth in 2026, despite elevated CRE payoffs, supported by a strong pipeline and new market expansion.
Modeling two 25 basis point Fed rate cuts in April and July 2026.
Q1 2026 net interest margin expected to be consistent with Q4, with gradual increases into the high 3.60% range by year-end.
Anticipate annual savings of $6 million from 27 branch closures, with expense run rate flat in Q1, rising in Q2 and modestly in the second half due to merit increases and technology investments.
Management expects continued positive operating leverage and further realization of cost synergies from the PFC acquisition.
What drives the significant CRE payoffs?
Future efficiency gains from core system merge?
Explain ACL exclusion of fair value adjustments.
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Next WesBanco earnings date
Q1 202629 Apr, 2026
WesBanco
Next WesBanco earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
WesBanco Inc is a financial holding company that provides banking, insurance, and investment services through its subsidiaries. It offers commercial and retail banking, trust and wealth management, and mortgage lending across a regional branch network. The company serves individuals, businesses, and municipalities primarily in the Midwest and Mid-Atlantic regions. It is headquartered in Wheeling, West Virginia, and its shares are listed on the NASDAQ.
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