Company: WSBC
Filing Date: 2025-09-11
Form Type: 424B5
Source: 0001193125-25-201360
Chunk: 20

Company: WESBANCO INC
Filing Date: 2025-09-11
Form: 424B5
Chunk 20
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emption of the depositary shares in a similar security.

Investors should not expect us to redeem the Series B Preferred Stock on the date it becomes redeemable or on any particular date after it becomes redeemable.

The Series B Preferred Stock will be a perpetual equity
security. This means that it will have no maturity or mandatory redemption date and will not be redeemable at the option of the holders. The Series B Preferred Stock

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may be redeemed by us at our option and subject to any required regulatory approvals, (i) in whole or in part, from time to time, on any dividend payment date on or after the First Reset
Date (or, if not a business day, on the next succeeding business day), or (ii) in whole but not in part, at any time within 90 days following a “regulatory capital treatment event” (as defined herein). Any decision we may make at
any time to propose a redemption of the Series B Preferred Stock will depend upon, among other things, our evaluation of our capital position, the composition of our shareholders’ equity and general market conditions at that time. In addition,
we may be prohibited from redeeming the Series B Preferred Stock. See “— Our right to redeem the Series B Preferred Stock is subject to certain limitations, including the prior approval of the Federal Reserve Board.”

Our right to redeem the Series B Preferred Stock, including prior to the First Reset Date, is subject to certain limitations, including the prior approval of the Federal Reserve Board.

Our right to redeem the Series B Preferred Stock is subject to any limitations established
by the Federal Reserve Board. Under the Federal Reserve Board’s current risk-based capital rules applicable to bank holding companies, any redemption of the Series B Preferred Stock is subject to prior approval of the Federal Reserve Board.
The Federal Reserve Board may not approve any redemption of the Series B Preferred Stock that we may propose. We understand that the factors the Federal Reserve Board will consider in evaluating a proposed redemption include, among other things, the
capital plans and stress tests submitted by the bank holding company, the bank holding company’s ability to meet and exceed minimum regulatory capital ratios under stressed scenarios, its expected sources and uses of capital over the planning
horizon (generally a period of two years) under baseline and stressed scenarios, and any potential impact of changes to its business plan and activities on its capital adequacy and liquidity, although the Federal Reserve Board may change these
factors at any time.

The dividend rate will reset on the First Reset