Company: WSBC
Filing Date: 2025-09-11
Form Type: 424B5
Source: 0001193125-25-201360
Chunk: 18

Company: WESBANCO INC
Filing Date: 2025-09-11
Form: 424B5
Chunk 18
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 restrictions on payments of
dividends out of lawfully available funds.

Our ability to pay dividends depends upon the results of operations of our subsidiaries.

We are a holding company and conduct substantially all of our operations through subsidiaries. Our ability to declare and pay dividends is
primarily dependent on the receipt of dividends and other distributions from our subsidiaries. Various legal limitations restrict the extent to which our subsidiaries may pay dividends or other funds or otherwise engage in transactions with us or
some of our other subsidiaries. Regulations of both the Federal Reserve and the State of West Virginia affect the ability of Wesbanco Bank to pay dividends and other distributions to us and to make loans to us. Also, our right to participate in any
distribution of assets of any of our subsidiaries upon such subsidiary’s liquidation or otherwise, and thus your ability as a holder of the depositary shares to benefit indirectly from such distribution, will be subject to the prior claims of
creditors of that subsidiary, except to the extent that any of our claims as a creditor of such subsidiary may be recognized. As a result, the depositary shares effectively will be subordinated to all existing and future liabilities and obligations
of our subsidiaries.

S-13

Our ability to pay dividends on, redeem or repurchase the Series B Preferred Stock and the depositary shares representing the Series B Preferred Stock may be limited by the terms of our other outstanding securities, including our junior subordinated debentures.

The payment of dividends by us on the Series B Preferred Stock and the depositary shares representing the Series B Preferred Stock is also
subject to restrictions arising under the terms of our junior subordinated debentures underlying our trust preferred securities. Subject to certain exceptions, the terms of our outstanding junior subordinated debentures prohibit us from declaring or
paying any dividends or distributions on our capital stock, including the Series B Preferred Stock, and therefore the depositary shares representing the Series B Preferred Stock, or redeeming, purchasing, acquiring, or making a liquidation payment
on our capital stock, at any time when we have deferred payment of interest on those junior subordinated debentures for a certain number of quarters.

The Series B Preferred Stock may be junior in rights and preferences to future preferred stock.

The Series B Preferred Stock may be junior to preferred stock we issue in the future which by its terms is expressly senior to the Series B
Preferred Stock. The terms of any of our future preferred stock expressly senior to the Series B Preferred Stock may restrict dividend payments on the Series B Preferred Stock