WesBanco Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	223.11	151.51	159.03	192.11	242.26
Depreciation & Amortization	-24.22	26.56	28.01	21.93	2.39
Provision for Credit Losses	77.24	19.21	17.73	-1.66	-64.27
Stock-Based Compensation	8.74	7.52	8.32	6.25	6.48
Net Change in Loans Held-for-Sale	-2.22	-2.61	-7.95	17.02	141.48
Other Adjustments	17.84	-16.76	-18.39	-12.67	-17.43
Changes in Accrued Interest and Accounts Receivable	30.83	4.5	-30.03	-63.07	60.5
Changes in Accounts Payable	-40.91	21.07	12.59	44.23	-35.1
Operating Cash Flow	290.41	211	169.32	204.14	336.3
Operating Cash Flow Growth	37.64%	24.61%	-17.06%	-39.30%	464.20%
Net Change in Loans Held-for-Investment	-584.68	-1,026	-935.44	-958.19	1,108
Net Change in Securities and Investments	244.68	1.89	414.39	-110.7	-1,393
Payments for Business Acquisitions	200.45	-	-	-	-
Proceeds from Business Divestments	73.89	-	-	-	-
Capital Expenditures	-10.43	-10.33	-22.51	-7.99	-8.54
Other Investing Activities	5.06	3.84	8.33	8.73	-35.39
Investing Cash Flow	-71.01	-1,030	-535.22	-1,068	-328.5
Net Change in Deposits	671.38	965.17	38.61	-432.78	1,140
Long-Term Debt Issued	1,175	1,175	1,605	797.7	-
Long-Term Debt Repaid	-1,530	-1,530	-963.35	-129.53	-425.65
Net Long-Term Debt Issued (Repaid)	-354.78	-355.24	641.65	668.17	-425.65
Issuance of Common Stock	-0.55	191.04	-3.51	-116.05	-
Repurchase of Common Stock	-	-	-	-	-179.88
Net Common Stock Issued (Repurchased)	-0.55	191.04	-3.51	-116.05	-179.88
Issuance of Preferred Stock	224.19	-	-	-	-
Repurchase of Preferred Stock	-150	-	-	-	-
Net Preferred Stock Issued (Repurchased)	74.19	-	-	-	-
Common Dividends Paid	-125.25	-87.42	-82.29	-81.33	-86.48
Preferred Share Dividends Paid	-15.03	-10.13	-10.13	-10.13	-10.13
Other Financing Activities	-81.39	86.18	-29.18	-6.82	-100.06
Financing Cash Flow	168.57	791.9	552.87	21.07	338.11
Net Cash Flow	387.97	-27.25	186.97	-842.95	345.91
Free Cash Flow	279.99	200.67	146.82	196.15	327.76
Free Cash Flow Growth	39.52%	36.68%	-25.15%	-40.16%	529.65%
FCF Margin	30.98%	34.19%	25.14%	33.06%	50.04%
Free Cash Flow Per Share	3.08	3.20	2.47	3.26	4.99
Levered Free Cash Flow	-196.94	-172.06	778.62	845.26	-174.25
Unlevered Free Cash Flow	-44.72	41.8	-11.94	-4.9	19.26

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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