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Side-by-side financial comparison of BILL Holdings, Inc. (BILL) and WESBANCO INC (WSBC). Click either name above to swap in a different company.
BILL Holdings, Inc. is the larger business by last-quarter revenue ($414.7M vs $257.2M, roughly 1.6× WESBANCO INC). WESBANCO INC runs the higher net margin — 34.5% vs -0.6%, a 35.1% gap on every dollar of revenue. Over the past eight quarters, WESBANCO INC's revenue compounded faster (31.9% CAGR vs 13.3%).
BILL Holdings, Inc. is an American company based in San Jose, California, that provides automated, cloud-based software for financial operations for small businesses in the United States. A white-labeled, end-to-end payments automation platform, Bill.com Connect is offered to financial institutions as part of their single sign-on online business banking ecosystem.
WesBanco, Inc., is a bank holding company headquartered in Wheeling, West Virginia, United States. It has over 200 branches in West Virginia, Ohio, Western Pennsylvania, Kentucky, Maryland, and Southern Indiana.
BILL vs WSBC — Head-to-Head
Income Statement — Q2 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $414.7M | $257.2M |
| Net Profit | $-2.6M | $88.6M |
| Gross Margin | 79.8% | — |
| Operating Margin | -4.4% | — |
| Net Margin | -0.6% | 34.5% |
| Revenue YoY | 14.4% | — |
| Net Profit YoY | -107.7% | 54.4% |
| EPS (diluted) | $-0.03 | $0.88 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $257.2M | ||
| Q4 25 | $414.7M | $265.6M | ||
| Q3 25 | $395.7M | $261.6M | ||
| Q2 25 | $383.3M | $260.7M | ||
| Q1 25 | $358.2M | $193.2M | ||
| Q4 24 | $362.6M | $162.9M | ||
| Q3 24 | $358.4M | $150.8M | ||
| Q2 24 | $343.7M | $147.9M |
| Q1 26 | — | $88.6M | ||
| Q4 25 | $-2.6M | $91.1M | ||
| Q3 25 | $-3.0M | $83.6M | ||
| Q2 25 | $-7.1M | $57.4M | ||
| Q1 25 | $-11.6M | $-9.0M | ||
| Q4 24 | $33.5M | $49.6M | ||
| Q3 24 | $8.9M | $37.3M | ||
| Q2 24 | $7.6M | $28.9M |
| Q1 26 | — | — | ||
| Q4 25 | 79.8% | — | ||
| Q3 25 | 80.5% | — | ||
| Q2 25 | 80.8% | — | ||
| Q1 25 | 81.2% | — | ||
| Q4 24 | 81.6% | — | ||
| Q3 24 | 82.0% | — | ||
| Q2 24 | 81.0% | — |
| Q1 26 | — | — | ||
| Q4 25 | -4.4% | 43.2% | ||
| Q3 25 | -5.2% | 39.5% | ||
| Q2 25 | -5.8% | 27.2% | ||
| Q1 25 | -8.1% | -5.0% | ||
| Q4 24 | -6.0% | 38.0% | ||
| Q3 24 | -2.1% | 29.7% | ||
| Q2 24 | -6.5% | 23.7% |
| Q1 26 | — | 34.5% | ||
| Q4 25 | -0.6% | 34.3% | ||
| Q3 25 | -0.7% | 31.9% | ||
| Q2 25 | -1.8% | 22.0% | ||
| Q1 25 | -3.2% | -4.7% | ||
| Q4 24 | 9.3% | 30.5% | ||
| Q3 24 | 2.5% | 24.7% | ||
| Q2 24 | 2.2% | 19.5% |
| Q1 26 | — | $0.88 | ||
| Q4 25 | $-0.03 | $0.97 | ||
| Q3 25 | $-0.03 | $0.84 | ||
| Q2 25 | $0.02 | $0.57 | ||
| Q1 25 | $-0.11 | $-0.15 | ||
| Q4 24 | $-0.06 | $0.72 | ||
| Q3 24 | $0.08 | $0.54 | ||
| Q2 24 | $0.37 | $0.44 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.1B | — |
| Total DebtLower is stronger | $1.8B | — |
| Stockholders' EquityBook value | $3.8B | $4.1B |
| Total Assets | $10.1B | $27.5B |
| Debt / EquityLower = less leverage | 0.48× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $956.1M | ||
| Q3 25 | $1.1B | $1.0B | ||
| Q2 25 | $1.0B | $1.2B | ||
| Q1 25 | $1.0B | $1.1B | ||
| Q4 24 | $1.6B | $568.1M | ||
| Q3 24 | $853.5M | $620.9M | ||
| Q2 24 | $985.9M | $486.8M |
| Q1 26 | — | — | ||
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.9B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $914.8M | — | ||
| Q2 24 | $914.0M | — |
| Q1 26 | — | $4.1B | ||
| Q4 25 | $3.8B | $4.0B | ||
| Q3 25 | $3.9B | $4.1B | ||
| Q2 25 | $3.9B | $3.8B | ||
| Q1 25 | $3.9B | $3.8B | ||
| Q4 24 | $3.8B | $2.8B | ||
| Q3 24 | $4.0B | $2.8B | ||
| Q2 24 | $4.1B | $2.5B |
| Q1 26 | — | $27.5B | ||
| Q4 25 | $10.1B | $27.7B | ||
| Q3 25 | $10.2B | $27.5B | ||
| Q2 25 | $10.1B | $27.6B | ||
| Q1 25 | $9.6B | $27.4B | ||
| Q4 24 | $9.7B | $18.7B | ||
| Q3 24 | $9.0B | $18.5B | ||
| Q2 24 | $9.2B | $18.1B |
| Q1 26 | — | — | ||
| Q4 25 | 0.48× | — | ||
| Q3 25 | 0.48× | — | ||
| Q2 25 | 0.44× | — | ||
| Q1 25 | 0.43× | — | ||
| Q4 24 | 0.44× | — | ||
| Q3 24 | 0.23× | — | ||
| Q2 24 | 0.22× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $105.3M | — |
| Free Cash FlowOCF − Capex | $103.8M | — |
| FCF MarginFCF / Revenue | 25.0% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $378.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $105.3M | $290.4M | ||
| Q3 25 | $96.9M | $116.9M | ||
| Q2 25 | $83.8M | $105.0M | ||
| Q1 25 | $99.5M | $-26.4M | ||
| Q4 24 | $78.7M | $211.0M | ||
| Q3 24 | $88.6M | $60.7M | ||
| Q2 24 | $78.6M | $18.2M |
| Q1 26 | — | — | ||
| Q4 25 | $103.8M | $280.0M | ||
| Q3 25 | $95.6M | $114.9M | ||
| Q2 25 | $81.0M | $98.3M | ||
| Q1 25 | $98.4M | $-30.7M | ||
| Q4 24 | $78.3M | $200.7M | ||
| Q3 24 | $88.6M | $56.9M | ||
| Q2 24 | $78.4M | $17.3M |
| Q1 26 | — | — | ||
| Q4 25 | 25.0% | 105.4% | ||
| Q3 25 | 24.1% | 43.9% | ||
| Q2 25 | 21.1% | 37.7% | ||
| Q1 25 | 27.5% | -15.9% | ||
| Q4 24 | 21.6% | 123.2% | ||
| Q3 24 | 24.7% | 37.7% | ||
| Q2 24 | 22.8% | 11.7% |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 3.9% | ||
| Q3 25 | 0.3% | 0.8% | ||
| Q2 25 | 0.7% | 2.6% | ||
| Q1 25 | 0.3% | 2.2% | ||
| Q4 24 | 0.1% | 6.3% | ||
| Q3 24 | 0.0% | 2.5% | ||
| Q2 24 | 0.1% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.19× | ||
| Q3 25 | — | 1.40× | ||
| Q2 25 | — | 1.83× | ||
| Q1 25 | — | — | ||
| Q4 24 | 2.35× | 4.25× | ||
| Q3 24 | 9.94× | 1.63× | ||
| Q2 24 | 10.35× | 0.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BILL
| Accounts Payable And Accounts Receivable Solutions | $185.9M | 45% |
| Spend And Expense Interchange Revenue | $166.5M | 40% |
| Interest On Funds Held For Customers | $39.5M | 10% |
| Embedded And Other Solutions | $22.8M | 5% |
WSBC
| Net Interest Income | $215.4M | 84% |
| Noninterest Income | $41.8M | 16% |
