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WesBanco (WSBC) investor relations material
WesBanco Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Adjusted EPS for Q3 2025 was $0.94, up 68% year-over-year, with net income available to common shareholders at $90 million, reflecting strong operational performance and successful integration of Premier Financial Corp (PFC).
Significant growth in loans and deposits, with total loans up 52% to $18.9 billion and deposits up 53.8% to $21.3 billion, driven by organic growth and the PFC acquisition.
Efficiency ratio improved to 55.1% due to expense synergies from the PFC acquisition and ongoing cost control initiatives.
Strategic branch optimization underway, with 27 financial centers set to close in early 2026, targeting $6 million in annual pre-tax savings.
Customer satisfaction rebounded to pre-conversion levels in new markets, with overall scores in the upper 80% percentile.
Financial highlights
GAAP net income for Q3 2025 was $81 million ($0.84 per share); adjusted net income was $90 million ($0.94 per share), up nearly 150% from prior year.
Net interest margin improved 58 basis points year-over-year to 3.53%.
Non-interest income rose 51.5% to $44.9 million, with record highs in trust, deposit service charges, and electronic banking fees.
Total assets reached $27.5 billion, up 49% year-over-year.
Net interest income for Q3 2025 was $216.7 million, up 78.9% year-over-year.
Outlook and guidance
Expect mid-single-digit year-over-year loan growth for 2025, supported by a $1.5 billion commercial loan pipeline.
Net interest margin projected to rebound to mid-to-high 350s in Q4 2025.
Efficiency ratio expected to continue improving into 2026, aided by branch closures and expense management.
Financial center optimization strategy includes closing 27 locations in early 2026, with expected net pre-tax savings of $6 million.
Deposit attrition from closures expected to be minimal due to customer migration to digital channels.
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