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WesBanco Inc. (WSBC) — RQD Stock Rating Cockpit

$38.90 +0.99% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $38.90

WesBanco Inc. (WSBC) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $3.73B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $38.90 (-0.01%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WSBC)Realized 20D OHLCV Swing Band: ±4.2%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY WSBC SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 69% of 52W Range • RSI-14 at 52.4 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality11/20 pts (-9 pt drag)

Capital intensity & 0% operating margin leave 9 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$36.59+1.7% Next Q

Q2 (-2Q)

Grade C+$37.22+4.9% Next Q

Q3 (-1Q)

Grade B-$39.05-0.4% Next Q

Current

Grade C+$38.90+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WSBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, WSBC faces multiple-compression risk if 16.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.82) or 200D SMA ($37.10) invalidates the momentum regime and cuts Target Base ($40.83) toward Bear Floor ($31.85).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WSBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WSBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

52.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE69% OF RANGE

L: $30$38.90H: $43

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on WSBC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

5.5% ROIC with 42.0% gross margin and 7.50% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (75)

29/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like WSBC

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (WSBC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

WSBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.15%📐 HORIZONTAL RANGE

2026-10-30O $38.99H $39.09L $38.38C $38.90VOL 416.6K

RES: $42.79SUP: $35.44SMA50: $38.82SMA200: $37.10

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WSBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WSBC Butterfly Map → + Track WSBC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

9.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WSBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WSBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WSBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WSBC)

Financials Rank #178 of 1096 ⚔️ BANF vs WSBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (WSBC vs. BANF, RNST, FIBK, NIC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, WesBanco Inc. (WSBC) ranks #178 by composite RQD confidence (69/100, grade C+) and #321 by equity capitalization ($3.73B). Within this direct 5-issuer industry benchmark cohort, FIBK leads on earnings valuation at 12.0x trailing P/E, while BANF leads on capital efficiency and profitability with 13.0% ROIC and — gross margin. BANF currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with WSBC at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WSBC ACTIVE WesBanco Inc.	C+	69/100	16.7x	—	5.5%	+0.99%	$3.73B	Benchmark Subject
BANF BancFirst Corporation	B-	71/100	15.6x	—	13.0%	+0.68%	$3.74B	/banf-vs-wsbc →
RNST Renasant Corporation	C+	67/100	20.3x	—	4.7%	+0.17%	$3.68B	/rnst-vs-wsbc →
FIBK First Interstate BancSystem Inc.	C+	68/100	12.0x	—	8.8%	+1.04%	$3.62B	/fibk-vs-wsbc →
NIC Nicolet Bankshares Inc.	C+	68/100	24.0x	—	12.0%	+0.89%	$3.62B	/nic-vs-wsbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000203596

In its most recent audited fiscal period (FY2025, filed 2025-12-31), WesBanco Inc. (WSBC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $223.1M, operating cash flow of $290.4M, and free cash flow of $280.0M (+39.5% YoY). On the balance sheet, WSBC closed FY2025 with $27.70B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$223.1M	$290.4M	$280.0M	$27.70B	—
FY2024 (FY)	2024-12-31	$0	$151.5M	$211.0M	$200.7M	$18.68B	—
FY2023 (FY)	2023-12-31	$0	$159.0M	$169.3M	$169.3M	—	—

3. WSBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WSBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, WesBanco Inc. (NASDAQ: WSBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $38.90 (+0.99% 1D, market cap $3.73B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, WSBC ranks #178 in composite RQD confidence.

How does WSBC compare to BANF and RNST in the Financials sector?

Within the Financials sector (Major Banks), WSBC carries a Roarable C+ (69/100 RQD), trailing P/E of 16.7x, gross margin of —, and ROIC of 5.5%. By comparison, BANF (BancFirst Corporation) holds a B- grade (71/100 RQD, P/E 15.6x, ROIC 13.0%, cap $3.74B) and RNST (Renasant Corporation) posts a C+ grade (67/100 RQD, P/E 20.3x, ROIC 4.7%, cap $3.68B). Among the 5-stock peer group, FIBK leads on earnings multiple (12.0x) while BANF leads on capital efficiency (13.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WSBC?

Per WSBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000203596), WesBanco Inc. generated $0 in revenue, $223.1M in net income, and $280.0M in free cash flow against $27.70B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WSBC trading relative to its 50-day, 200-day, and 52-week technical levels?

WSBC last traded at $38.90 (+0.99% on volume of 500,791 shares), positioning the stock +0.21% above its 50-day simple moving average ($38.82) and +4.85% above its 200-day simple moving average ($37.10). Across its 52-week range of $29.63 to $43.02, WSBC sits at the 69.2% percentile with a 14-day RSI of 52.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($37.27 to $40.53).

WSBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell WSBC stock right now?

WesBanco Inc. (WSBC) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (6% return on capital), mixed timing at 17x P/E—hold if owned, no rush to chase.

What is WSBC's 12-month price target and RQD AI Jury consensus?

WSBC's 12-month base price target is $40.83 (range $31.85 to $48.18), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: WSBC RQD Cockpit WSBC 12M Forecast WSBC Earnings & Move WSBC Dividends & DRIP WSBC Insiders & 13F WSBC Whale Options WSBC Profit Sankey WSBC News & Why