Western New England Bancorp, Inc. WNEB R2K

Financial Services · Banks - Regional · United States

https://www.westfieldbank.com

Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides various commercial and retail banking products and services to individuals and companies. It offers various deposit products, including commercial, small business, nonprofit and municipal checking, money market, sweep accounts, time deposits, interest-bearing and noninterest-bearing checking, and individual retirement accounts, as well as certificates of deposit. The company also originates and funds commercial and residential real estate loans, including first mortgages, home equity loans, and home equity lines, and secured by one-to-four family residential properties; home equity revolving loans and lines of credit; consumer loans, including automobile, spa and pool, collateral, and personal lines of credit; commercial and industrial loans, such as letters of credit, revolving lines of credit, working capital, equipment financing, and term loans; and construction and land development loans. In addition, it provides automated teller machine (ATM), telephone and online banking, remote deposit capture, cash management, overdraft and safe deposit facility, and night deposit services. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. The company was founded in 1853 and is headquartered in Westfield, Massachusetts.

Market & Price

Market Cap

$267.06M

Current Price

$13.27

High / Low (52W)

$14.17 / $8.42

Beta

0.78

Valuation

Stock P/E

15.08

Industry PE

12.01

Forward P/E

11.95

PEG Ratio

1.58

Book Value

$12.25

Price to Book

1.08

P/S

3.09

EV/EBITDA

Dividend Yield

2.11%

Profitability & Returns

ROCE

ROE

7.31%

ROA

0.65%

Profit Margin

20.56%

Op Margin

29.60%

EPS (Latest Qtr)

$0.24

EPS (TTM)

$0.88

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$121.33M

Total Assets

$2.74B

Current Assets

Working Capital

Ownership

Promoter Holding

11.65%

Chg in Prom Hold

FII / Inst Holding

64.52%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$325.51M

Total Revenue (TTM)

$86.31M

EBITDA

Free Cash Flow

Operating Cash Flow

$19.39M

Shares Outstanding

20.13M

Gross Margin

0.00%

Payout Ratio

31.82%

Growth (CAGR)

Revenue 5Y

-2.73%

Profit 5Y

-16.14%

Revenue (YoY)

22.20%

Earnings (YoY)

117.20%

PROS

Excellent profit margin of 20.6%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -2.7% CAGR over 5 years.
Earnings shrank at -16.1% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	WNEB Western New England Bancorp, Inc. R2K	13.27	15.08	$267.06M	2.11%	-	7.31%	-2.73%	-16.14%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	25.00K	-	-	-	18.00K	-	-	-	14.00K	-	-	-	8.00K	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.29M	20.38M	20.63M	23.89M	22.26M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12.90M	11.97M	11.94M	11.71M	11.46M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.97M	6.01M	4.19M	6.62M	6.17M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	664.00K	1.42M	1.03M	1.41M	1.40M
Net Income	389.00K	628.00K	1.85M	5.10M	3.76M	3.81M	-353.00K	3.52M	5.14M	3.91M	3.84M	3.43M	3.26M	3.23M	3.44M	2.08M	2.02M	2.10M	5.01M	5.79M	5.65M	6.04M	6.22M	5.32M	5.54M	6.00M	9.03M	5.30M	2.76M	4.49M	2.51M	2.96M	3.51M	1.90M	-	2.30M	4.59M	3.17M	5.21M	4.78M
Diluted EPS	0.02	0.04	0.07	0.17	0.12	0.13	-0.01	0.12	0.18	0.14	0.14	0.13	0.12	0.12	0.13	0.08	0.08	0.08	0.20	0.24	0.24	0.27	0.28	0.24	0.25	0.28	0.42	0.24	0.13	0.21	0.12	0.14	0.17	0.09	-	0.11	0.23	0.16	0.26	0.24

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	12.50K	63.00K	89.00K	67.00K	44.00K	-	89.76M	79.95M	72.73M	82.61M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	6.70M	33.21M	50.02M	48.52M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	34.63M	19.58M	14.96M	19.79M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	8.74M	4.52M	3.29M	4.52M
Net Income	5.46M	3.01M	5.87M	6.25M	6.76M	6.16M	5.71M	4.83M	12.32M	16.41M	13.35M	11.21M	-	25.89M	15.07M	11.67M	15.27M
Diluted EPS	0.18	0.11	0.22	0.26	0.34	0.34	0.33	0.24	0.41	0.57	0.51	0.45	-	1.18	0.70	0.56	0.75

Compounded Sales Growth

5 Years:	-2.73%
1 Year:	22.20%

Compounded Profit Growth

5 Years:	-16.14%
1 Year:	117.20%

Stock Price Performance

1 Year:	+43.77%
6 Months:	+9.35%
3 Months:	+3.81%
1 Month:	-4.65%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.24B	1.26B	1.30B	1.28B	1.32B	1.34B	2.08B	2.08B	2.12B	2.18B	2.37B	2.54B	2.55B	2.56B	2.65B	2.74B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	56.53M	28.72M	11.61M	21.11M	11.76M	19.74M	-	-	-	-	-	-	-	-	28.69M	25.85M	57.19M	38.15M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.14M	8.53M	8.47M	8.78M
Total Liabilities	-	-	1.02B	1.04B	1.11B	1.12B	1.18B	1.20B	1.84B	1.84B	1.88B	1.95B	2.14B	2.31B	2.33B	2.33B	2.42B	2.49B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	238.15M	247.32M	278.86M	248.38M	232.48M	153.36M	124.84M	164.79M	208.02M	205.51M	57.85M	-	20.85M	140.36M	117.75M	92.79M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	62.20M	156.46M	123.14M	106.06M
Total Equity	259.92M	247.30M	221.25M	218.99M	189.19M	154.14M	142.54M	139.47M	238.40M	247.28M	237.03M	232.02M	226.64M	223.69M	228.14M	237.41M	235.91M	247.64M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.22M	21.67M	20.88M	20.37M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	10.44M	18.36M	14.79M	11.31M	14.20M	-	12.08M	930.00K	18.86M	24.64M	15.38M	25.07M	-	36.77M	14.77M	12.17M	18.21M
Investing Cash Flow	-135.60M	-71.98M	-13.31M	-46.43M	14.98M	-	-30.91M	33.75M	-55.97M	-45.74M	-48.08M	-123.56M	-	-111.87M	-13.71M	-46.59M	-113.61M
Financing Cash Flow	97.34M	36.51M	8.01M	25.77M	-21.20M	-	13.75M	21.86M	-5.99M	20.76M	30.65M	161.19M	-	1.99M	-2.57M	72.03M	69.33M
Capital Expenditure	-1.40M	-662.00K	-514.00K	-1.13M	-1.02M	-1.94M	-3.22M	-1.49M	-2.21M	-3.33M	-1.28M	-3.58M	-	-1.14M	-2.90M	-1.20M	-1.07M
Free Cash Flow	9.04M	17.69M	14.28M	10.18M	13.18M	-	8.86M	-557.00K	16.65M	21.31M	14.09M	21.49M	-	35.63M	11.87M	10.97M	17.14M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-73.11M	-1.50M	37.61M	-26.07M
Share Buybacks	13.69M	16.13M	9.71M	32.08M	20.09M	10.52M	3.91M	1.38M	9.31M	22.92M	19.45M	10.52M	23.28M	6.35M	5.02M	7.60M	6.10M
Dividends Paid	14.60M	14.29M	14.30M	10.72M	5.87M	3.83M	2.10M	2.44M	3.58M	4.64M	5.27M	5.04M	4.68M	5.28M	6.07M	5.91M	5.71M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	38,672.0%	19,555.6%	18,436.0%	19,923.9%	25,488.6%	-	28.8%	18.8%	16.0%	18.5%
ROE %	2.2%	1.4%	2.7%	3.3%	4.4%	4.3%	4.1%	2.0%	5.0%	6.9%	5.8%	4.9%	-	11.3%	6.3%	4.9%	6.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

11.65%

Institutions

64.52%

Public Float

73.04%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.51%	1.71M	$22.74M
2	Dimensional Fund Advisors LP	7.01%	1.41M	$18.72M
3	Renaissance Technologies, LLC	4.97%	1.00M	$13.28M
4	Strategic Value Bank Partners LLC	4.30%	865.57K	$11.49M
5	Vanguard Capital Management LLC	4.25%	855.20K	$11.35M
6	Royce & Associates LP	3.67%	738.10K	$9.79M
7	Ameriprise Financial, Inc.	3.48%	700.57K	$9.30M
8	Acadian Asset Management. LLC	2.75%	553.21K	$7.34M
9	Geode Capital Management, LLC	1.99%	399.56K	$5.30M
10	Arrowstreet Capital, Limited Partnership	1.52%	305.83K	$4.06M

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WNEB · Financial Services