vs
Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and WESBANCO INC (WSBC). Click either name above to swap in a different company.
WESBANCO INC is the larger business by last-quarter revenue ($257.2M vs $153.1M, roughly 1.7× CPI Card Group Inc.). WESBANCO INC runs the higher net margin — 34.5% vs 4.8%, a 29.7% gap on every dollar of revenue. Over the past eight quarters, WESBANCO INC's revenue compounded faster (31.9% CAGR vs 16.9%).
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
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.
PMTS vs WSBC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $257.2M |
| Net Profit | $7.3M | $88.6M |
| Gross Margin | 31.5% | — |
| Operating Margin | 12.0% | — |
| Net Margin | 4.8% | 34.5% |
| Revenue YoY | 22.3% | — |
| Net Profit YoY | 8.5% | 54.4% |
| EPS (diluted) | $0.62 | $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 | $153.1M | $265.6M | ||
| Q3 25 | $138.0M | $261.6M | ||
| Q2 25 | $129.8M | $260.7M | ||
| Q1 25 | $122.8M | $193.2M | ||
| Q4 24 | $125.1M | $162.9M | ||
| Q3 24 | $124.8M | $150.8M | ||
| Q2 24 | $118.8M | $147.9M |
| Q1 26 | — | $88.6M | ||
| Q4 25 | $7.3M | $91.1M | ||
| Q3 25 | $2.3M | $83.6M | ||
| Q2 25 | $518.0K | $57.4M | ||
| Q1 25 | $4.8M | $-9.0M | ||
| Q4 24 | $6.8M | $49.6M | ||
| Q3 24 | $1.3M | $37.3M | ||
| Q2 24 | $6.0M | $28.9M |
| Q1 26 | — | — | ||
| Q4 25 | 31.5% | — | ||
| Q3 25 | 29.7% | — | ||
| Q2 25 | 30.9% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 34.1% | — | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | 35.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 12.0% | 43.2% | ||
| Q3 25 | 9.4% | 39.5% | ||
| Q2 25 | 7.3% | 27.2% | ||
| Q1 25 | 11.5% | -5.0% | ||
| Q4 24 | 12.7% | 38.0% | ||
| Q3 24 | 14.3% | 29.7% | ||
| Q2 24 | 12.5% | 23.7% |
| Q1 26 | — | 34.5% | ||
| Q4 25 | 4.8% | 34.3% | ||
| Q3 25 | 1.7% | 31.9% | ||
| Q2 25 | 0.4% | 22.0% | ||
| Q1 25 | 3.9% | -4.7% | ||
| Q4 24 | 5.4% | 30.5% | ||
| Q3 24 | 1.0% | 24.7% | ||
| Q2 24 | 5.1% | 19.5% |
| Q1 26 | — | $0.88 | ||
| Q4 25 | $0.62 | $0.97 | ||
| Q3 25 | $0.19 | $0.84 | ||
| Q2 25 | $0.04 | $0.57 | ||
| Q1 25 | $0.40 | $-0.15 | ||
| Q4 24 | $0.56 | $0.72 | ||
| Q3 24 | $0.11 | $0.54 | ||
| Q2 24 | $0.51 | $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 | $21.7M | — |
| Total DebtLower is stronger | $286.7M | — |
| Stockholders' EquityBook value | $-17.3M | $4.1B |
| Total Assets | $403.2M | $27.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $21.7M | $956.1M | ||
| Q3 25 | $16.0M | $1.0B | ||
| Q2 25 | $17.1M | $1.2B | ||
| Q1 25 | $31.5M | $1.1B | ||
| Q4 24 | $33.5M | $568.1M | ||
| Q3 24 | $14.7M | $620.9M | ||
| Q2 24 | $7.5M | $486.8M |
| Q1 26 | — | — | ||
| Q4 25 | $286.7M | — | ||
| Q3 25 | $308.4M | — | ||
| Q2 25 | $310.9M | — | ||
| Q1 25 | $280.7M | — | ||
| Q4 24 | $280.4M | — | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — |
| Q1 26 | — | $4.1B | ||
| Q4 25 | $-17.3M | $4.0B | ||
| Q3 25 | $-25.7M | $4.1B | ||
| Q2 25 | $-29.0M | $3.8B | ||
| Q1 25 | $-29.7M | $3.8B | ||
| Q4 24 | $-35.6M | $2.8B | ||
| Q3 24 | $-42.8M | $2.8B | ||
| Q2 24 | $-44.6M | $2.5B |
| Q1 26 | — | $27.5B | ||
| Q4 25 | $403.2M | $27.7B | ||
| Q3 25 | $407.1M | $27.5B | ||
| Q2 25 | $399.8M | $27.6B | ||
| Q1 25 | $351.9M | $27.4B | ||
| Q4 24 | $349.7M | $18.7B | ||
| Q3 24 | $342.3M | $18.5B | ||
| Q2 24 | $321.4M | $18.1B |
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 | $39.6M | — |
| Free Cash FlowOCF − Capex | $35.2M | — |
| FCF MarginFCF / Revenue | 23.0% | — |
| Capex IntensityCapex / Revenue | 2.9% | — |
| Cash ConversionOCF / Net Profit | 5.39× | — |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $39.6M | $290.4M | ||
| Q3 25 | $10.0M | $116.9M | ||
| Q2 25 | $4.3M | $105.0M | ||
| Q1 25 | $5.6M | $-26.4M | ||
| Q4 24 | $26.7M | $211.0M | ||
| Q3 24 | $12.5M | $60.7M | ||
| Q2 24 | $-4.8M | $18.2M |
| Q1 26 | — | — | ||
| Q4 25 | $35.2M | $280.0M | ||
| Q3 25 | $5.3M | $114.9M | ||
| Q2 25 | $533.0K | $98.3M | ||
| Q1 25 | $292.0K | $-30.7M | ||
| Q4 24 | $21.6M | $200.7M | ||
| Q3 24 | $11.1M | $56.9M | ||
| Q2 24 | $-6.0M | $17.3M |
| Q1 26 | — | — | ||
| Q4 25 | 23.0% | 105.4% | ||
| Q3 25 | 3.8% | 43.9% | ||
| Q2 25 | 0.4% | 37.7% | ||
| Q1 25 | 0.2% | -15.9% | ||
| Q4 24 | 17.3% | 123.2% | ||
| Q3 24 | 8.9% | 37.7% | ||
| Q2 24 | -5.0% | 11.7% |
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 3.9% | ||
| Q3 25 | 3.4% | 0.8% | ||
| Q2 25 | 2.9% | 2.6% | ||
| Q1 25 | 4.3% | 2.2% | ||
| Q4 24 | 4.0% | 6.3% | ||
| Q3 24 | 1.2% | 2.5% | ||
| Q2 24 | 1.0% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 5.39× | 3.19× | ||
| Q3 25 | 4.32× | 1.40× | ||
| Q2 25 | 8.39× | 1.83× | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 3.94× | 4.25× | ||
| Q3 24 | 9.70× | 1.63× | ||
| Q2 24 | -0.79× | 0.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
WSBC
| Net Interest Income | $215.4M | 84% |
| Noninterest Income | $41.8M | 16% |
