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Side-by-side financial comparison of WESBANCO INC (WSBC) and XBP Global Holdings, Inc. (XBP). Click either name above to swap in a different company.
WESBANCO INC is the larger business by last-quarter revenue ($257.2M vs $152.4M, roughly 1.7× XBP Global Holdings, Inc.). WESBANCO INC runs the higher net margin — 34.5% vs -200.7%, a 235.1% gap on every dollar of revenue.
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.
WSBC vs XBP — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $257.2M | $152.4M |
| Net Profit | $88.6M | $-305.8M |
| Gross Margin | — | 21.7% |
| Operating Margin | — | -191.7% |
| Net Margin | 34.5% | -200.7% |
| Revenue YoY | — | -34.7% |
| Net Profit YoY | 54.4% | -980.1% |
| EPS (diluted) | $0.88 | $-2.60 |
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 | $265.6M | — | ||
| Q3 25 | $261.6M | $152.4M | ||
| Q2 25 | $260.7M | — | ||
| Q1 25 | $193.2M | — | ||
| Q4 24 | $162.9M | — | ||
| Q3 24 | $150.8M | $233.4M | ||
| Q2 24 | $147.9M | — |
| Q1 26 | $88.6M | — | ||
| Q4 25 | $91.1M | — | ||
| Q3 25 | $83.6M | $-305.8M | ||
| Q2 25 | $57.4M | — | ||
| Q1 25 | $-9.0M | — | ||
| Q4 24 | $49.6M | — | ||
| Q3 24 | $37.3M | $-28.3M | ||
| Q2 24 | $28.9M | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 21.7% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.9% | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 43.2% | — | ||
| Q3 25 | 39.5% | -191.7% | ||
| Q2 25 | 27.2% | — | ||
| Q1 25 | -5.0% | — | ||
| Q4 24 | 38.0% | — | ||
| Q3 24 | 29.7% | 0.9% | ||
| Q2 24 | 23.7% | — |
| Q1 26 | 34.5% | — | ||
| Q4 25 | 34.3% | — | ||
| Q3 25 | 31.9% | -200.7% | ||
| Q2 25 | 22.0% | — | ||
| Q1 25 | -4.7% | — | ||
| Q4 24 | 30.5% | — | ||
| Q3 24 | 24.7% | -12.1% | ||
| Q2 24 | 19.5% | — |
| Q1 26 | $0.88 | — | ||
| Q4 25 | $0.97 | — | ||
| Q3 25 | $0.84 | $-2.60 | ||
| Q2 25 | $0.57 | — | ||
| Q1 25 | $-0.15 | — | ||
| Q4 24 | $0.72 | — | ||
| Q3 24 | $0.54 | $-0.09 | ||
| Q2 24 | $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 | — | $34.5M |
| Total DebtLower is stronger | — | $381.5M |
| Stockholders' EquityBook value | $4.1B | $130.5M |
| Total Assets | $27.5B | $947.9M |
| Debt / EquityLower = less leverage | — | 2.92× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $956.1M | — | ||
| Q3 25 | $1.0B | $34.5M | ||
| Q2 25 | $1.2B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $568.1M | — | ||
| Q3 24 | $620.9M | $7.8M | ||
| Q2 24 | $486.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $381.5M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $31.5M | ||
| Q2 24 | — | — |
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.0B | — | ||
| Q3 25 | $4.1B | $130.5M | ||
| Q2 25 | $3.8B | — | ||
| Q1 25 | $3.8B | — | ||
| Q4 24 | $2.8B | — | ||
| Q3 24 | $2.8B | $-1.3B | ||
| Q2 24 | $2.5B | — |
| Q1 26 | $27.5B | — | ||
| Q4 25 | $27.7B | — | ||
| Q3 25 | $27.5B | $947.9M | ||
| Q2 25 | $27.6B | — | ||
| Q1 25 | $27.4B | — | ||
| Q4 24 | $18.7B | — | ||
| Q3 24 | $18.5B | $99.6M | ||
| Q2 24 | $18.1B | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 2.92× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $13.9M |
| Free Cash FlowOCF − Capex | — | $10.5M |
| FCF MarginFCF / Revenue | — | 6.9% |
| Capex IntensityCapex / Revenue | — | 2.2% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $290.4M | — | ||
| Q3 25 | $116.9M | $13.9M | ||
| Q2 25 | $105.0M | — | ||
| Q1 25 | $-26.4M | — | ||
| Q4 24 | $211.0M | — | ||
| Q3 24 | $60.7M | $-1.5M | ||
| Q2 24 | $18.2M | — |
| Q1 26 | — | — | ||
| Q4 25 | $280.0M | — | ||
| Q3 25 | $114.9M | $10.5M | ||
| Q2 25 | $98.3M | — | ||
| Q1 25 | $-30.7M | — | ||
| Q4 24 | $200.7M | — | ||
| Q3 24 | $56.9M | $-6.1M | ||
| Q2 24 | $17.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | 105.4% | — | ||
| Q3 25 | 43.9% | 6.9% | ||
| Q2 25 | 37.7% | — | ||
| Q1 25 | -15.9% | — | ||
| Q4 24 | 123.2% | — | ||
| Q3 24 | 37.7% | -2.6% | ||
| Q2 24 | 11.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.9% | — | ||
| Q3 25 | 0.8% | 2.2% | ||
| Q2 25 | 2.6% | — | ||
| Q1 25 | 2.2% | — | ||
| Q4 24 | 6.3% | — | ||
| Q3 24 | 2.5% | 2.0% | ||
| Q2 24 | 0.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.19× | — | ||
| Q3 25 | 1.40× | — | ||
| Q2 25 | 1.83× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 4.25× | — | ||
| Q3 24 | 1.63× | — | ||
| Q2 24 | 0.63× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
WSBC
| Net Interest Income | $215.4M | 84% |
| Noninterest Income | $41.8M | 16% |
XBP
| Related And Non Related Party | $136.5M | 90% |
| Technology | $8.2M | 5% |
| Other | $5.7M | 4% |
| Deferred Revenue As Of July312025 | $1.9M | 1% |
