WallStSmart

Wells Fargo & Company (WFC)vsWesBanco Inc (WSBC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 7719% more annual revenue ($81.14B vs $1.04B). WSBC leads profitability with a 30.9% profit margin vs 26.7%. WSBC appears more attractively valued with a PEG of 1.23. WSBC earns a higher WallStSmart Score of 80/100 (B+).

WFC

Strong Buy

74

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 6.3Quality: 5.8
Piotroski: 4/9Altman Z: 0.43

WSBC

Strong Buy

80

out of 100

Grade: B+

Growth: 9.3Profit: 7.5Value: 7.0Quality: 5.0

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

WFC6 strengths · Avg: 8.5/10
Market CapQuality
$249.77B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
29.4%8/10

Strong operational efficiency at 29.4%

Free Cash FlowQuality
$4.12B8/10

Generating 4.1B in free cash flow

WSBC5 strengths · Avg: 10.0/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.9%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
49.2%10/10

Strong operational efficiency at 49.2%

Revenue GrowthGrowth
109.2%10/10

Revenue surging 109.2% year-over-year

Areas to Watch

WFC1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.432/10

Distress zone — elevated risk

WSBC0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : WFC

The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.

Bull Case : WSBC

The strongest argument for WSBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.9% and operating margin at 49.2%. Revenue growth of 109.2% demonstrates continued momentum.

Bear Case : WFC

The primary concerns for WFC are Altman Z-Score.

Bear Case : WSBC

No major red flags identified for WSBC, but monitor valuation.

Key Dynamics to Monitor

WFC profiles as a mature stock while WSBC is a growth play — different risk/reward profiles.

WFC carries more volatility with a beta of 1.06 — expect wider price swings.

WSBC is growing revenue faster at 109.2% — sustainability is the question.

WFC generates stronger free cash flow (4.1B), providing more financial flexibility.

Bottom Line

WSBC scores higher overall (80/100 vs 74/100), backed by strong 30.9% margins and 109.2% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Wells Fargo & Company

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.

WesBanco Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

WesBanco, Inc. is the banking holding company for WesBanco Bank, Inc. offering retail banking, corporate banking, personal and corporate trust, brokerage, mortgage banking, and insurance services. The company is headquartered in Wheeling, West Virginia.

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