Company: WSBC
Filing Date: 2025-02-10
Form Type: 425
Source: 0000950170-25-017126
Chunk: 36

Company: WESBANCO INC
Filing Date: 2025-02-10
Form: 425
Chunk 36
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2025 figures utilize consensus estimates as of 7/25/2024 Earnings and TBV Impact Strong Capital Ratios Enhanced Profitability(1) Core Excluding Rate Marks/CDI(1)(2) Excluding Rate Marks/ CDI/CECL(1)(2)(3) ~40%+ 2025 EPS Accretion ~28% 2025 EPS Accretion ~21% 2025 EPS Accretion ~13% TBV Dilution Accretive TBV Accretion ~1% TBV Dilution <3 years TBV Earnback <1 year TBV Earnback Accretive TBV Earnback 10.9% Tier 1 Common Ratio (Bank) 12.1% Total Risk-Based Capital Ratio (Bank) 9.0% Tier 1 Leverage Ratio (Bank) 1.3% 2025E ROAA 18.6% 2025E ROATCE 51% 2025E Efficiency Ratio Metrics shown at closing(5) (1) (4) (4) (4) (4) ©2025 WesBanco, Inc. | All rights reserved

Enhanced profitability and capital generation Acquisition of Premier Financial Corp. 46 Note: Peers defined as Mid-Atlantic, Midwest and Southeast major exchange-traded banks and thrifts with most recent quarter total assets between $20 billion and $40 billion, excluding merger targets, mutuals, and merger-of-equals participants; 2025 estimates include shares from capital raise and excludes one-time charges, Non-PCD CECL Day-2 double count, and assumes fully phased-in cost savings Source: S&P Capital IQ Pro ROATCE (2025E) EFFCNCY. RATIO (2025E) ROAA (2025E) NIM (2025E) 3.46% 1.3% 18.6% 51% Pro Forma Pro Forma Pro Forma Pro Forma Comparison with $20B – $40B Peers ©2025 WesBanco, Inc. | All rights reserved

WesBanco 06/30/2024 Premier 06/30/2024 Pro- Forma(1) Tier 1 Leverage Ratio (Consolidated) 9.7% 10.3% 8.6% Tier1CommonRatio (Consolidated) 10.6% 11.9% 9.6%