Company: WSBC
Filing Date: 2025-09-11
Form Type: 424B5
Source: 0001193125-25-201360
Chunk: 16

Company: WESBANCO INC
Filing Date: 2025-09-11
Form: 424B5
Chunk 16
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 regarding both of these securities before making an investment decision.

The Series B Preferred Stock is equity and is subordinate to our existing and future indebtedness.

Shares of the Series B Preferred Stock are equity interests in Wesbanco and do not constitute indebtedness. As such, shares of the Series B
Preferred Stock will rank junior to all indebtedness and other non-equity claims on us with respect to assets available to satisfy claims on us, including in our liquidation. Additionally, unlike indebtedness,
where principal and interest would customarily be payable on specified due dates, in the case of preferred stock like the Series B Preferred Stock, dividends are payable only if declared by our board of directors.

Also, as a bank holding company, our ability to declare and pay dividends is dependent on certain federal regulatory considerations, and we
may not redeem or repurchase Series B Preferred Stock without the approval of the Federal Reserve.

The Series B Preferred Stock does not restrict our ability to incur indebtedness.

The Series B Preferred Stock places no restrictions on our business or operations or on our
ability to incur indebtedness or engage in any transactions, subject only to the limited voting rights referred to below under “— Holders of Series B Preferred Stock will have limited voting rights.” In the future we may seek
to access the debt capital markets opportunistically when market conditions are favorable in order to implement our business and growth strategies.

The depositary shares and the Series B Preferred Stock will not be insured or guaranteed by the FDIC, any other governmental agency or any of our subsidiaries.

The depositary shares and the Series B Preferred Stock are equity securities and are not bank deposits or savings
accounts and therefore, are not insured or guaranteed against loss by the FDIC or any other governmental agency or instrumentality. The depositary shares will be obligations of Wesbanco only and will not be obligations of, or guaranteed by, any of
our subsidiaries, including Wesbanco Bank.

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Regulatory guidelines may restrict our ability to pay dividends on the Series B Preferred Stock, and therefore your ability to receive distributions on the depositary shares.

Under the Federal Reserve’s capital rules,
dividends on the Series B Preferred Stock may only be paid out of our net income, retained earnings or surplus related to other additional tier 1 capital instruments. In addition, the Federal Reserve’s capital rules include a capital
conservation buffer. The buffer can be satisfied only with common equity, tier 1 capital. If our risk-based capital ratios do not satisfy minimum requirements plus