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Western New England Bancorp, Inc. WNEB R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.westfieldbank.com
Company Profile ↓
$13.89
+19.72% 1Y
Mkt Cap$278.44M
P/E16.73
P/B1.09
Div. Yield1.99%
52W High$14.74
52W Low$10.63
Book Value$12.55
EPS (TTM)$0.83

Company Overview

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.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 200.3% CAGR over the past five years.

Reasonable Valuation

Trades at an undemanding P/E of 16.7.

Healthy Margins

Maintains a net profit margin of 19.5%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $82.61M (+13.6% YoY); net profit $15.27M.
  • Trailing 12 Months Year-on-year growth — revenue -2.4%, earnings -20.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 200.3%, profit CAGR 7.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:200.27%
1 Year:-2.40%

Compounded Profit Growth

5 Years:7.10%
1 Year:-20.70%

Stock Price Performance

1 Year:+19.72%
6 Months:+12.44%
3 Months:+4.65%
1 Month:-0.85%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 79% of range
$10.63 $14.74
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)52.53 · Neutral
Price Performance
1M-0.85%
3M+4.65%
6M+12.44%
1Y+19.72%
Valuation vs Sector

P/E of 16.73 is above the sector median of 14.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 200.3% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
16.73
Industry PE
14.52
Forward P/E
12.55
PEG Ratio
1.58
Book Value
$12.55
Price to Book
1.09
P/S
3.21
EV/EBITDA
-
Dividend Yield
1.99%

Growth (CAGR)

Revenue 5Y
200.27%
Profit 5Y
7.10%
Revenue (YoY)
-2.40%
Earnings (YoY)
-20.70%

Profitability & Returns

ROCE
-
ROE
6.87%
ROA
0.62%
Profit Margin
19.52%
Op Margin
24.48%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.18
EPS (TTM)
$0.83

Balance Sheet & Liquidity

Debt/Equity
0.43
Quick Ratio
-
Current Ratio
-
Debt
$62.55M
Total Assets
$2.73B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
11.71%
Chg in Prom Hold
0.01%
FII / Inst Holding
64.65%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$278.44M
Total Revenue (TTM)
$85.80M
EBITDA
-
Free Cash Flow
$17.14M
Operating Cash Flow
$18.21M
Shares Outstanding
20.05M
Gross Margin
0.00%
Payout Ratio
33.73%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 WNEB Western New England Bancorp, Inc. R2KFINANCIAL 13.89 16.73 $278.44M 1.99% - 6.87% 200.27% 7.10%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ------25.00K---18.00K---14.00K---8.00K---------------18.29M20.38M20.63M23.89M22.26M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------12.90M11.97M11.94M11.71M11.46M-
Pretax Income ----------------------------------2.97M6.01M4.19M6.62M6.17M-
Tax Provision ----------------------------------664.00K1.42M1.03M1.41M1.40M-
Net Income 628.00K1.85M5.10M3.76M3.81M-353.00K3.52M5.14M3.91M3.84M3.43M3.26M3.23M3.44M2.08M2.02M2.10M5.01M5.79M5.65M6.04M6.22M5.32M5.54M6.00M9.03M5.30M2.76M4.49M2.51M2.96M3.51M1.90M-2.30M4.59M3.17M5.21M4.78M3.60M
Diluted EPS 0.040.070.170.120.13-0.010.120.180.140.140.130.120.120.130.080.080.080.200.240.240.270.280.240.250.280.420.240.130.210.120.140.170.09-0.110.230.160.260.240.18

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------12.50K63.00K89.00K67.00K44.00K-89.76M79.95M72.73M82.61M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------6.70M33.21M50.02M48.52M
Pretax Income -------------34.63M19.58M14.96M19.79M
Tax Provision -------------8.74M4.52M3.29M4.52M
Net Income 5.46M3.01M5.87M6.25M6.76M6.16M5.71M4.83M12.32M16.41M13.35M11.21M-25.89M15.07M11.67M15.27M
Diluted EPS 0.180.110.220.260.340.340.330.240.410.570.510.45-1.180.700.560.75

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.24B1.26B1.30B1.28B1.32B1.34B2.08B2.08B2.12B2.18B2.37B2.54B2.55B2.56B2.65B2.74B
Current Assets ------------------
Cash & Equivalents 56.53M28.72M11.61M21.11M11.76M19.74M--------28.69M25.85M57.19M38.15M
Inventory ------------------
Receivables --------------8.14M8.53M8.47M8.78M
Total Liabilities --1.02B1.04B1.11B1.12B1.18B1.20B1.84B1.84B1.88B1.95B2.14B2.31B2.33B2.33B2.42B2.49B
Current Liabilities ------------------
Long Term Debt --238.15M247.32M278.86M248.38M232.48M153.36M124.84M164.79M208.02M205.51M57.85M-20.85M140.36M117.75M92.79M
Total Debt --------------62.20M156.46M123.14M106.06M
Total Equity 259.92M247.30M221.25M218.99M189.19M154.14M142.54M139.47M238.40M247.28M237.03M232.02M226.64M223.69M228.14M237.41M235.91M247.64M
Shares Outstanding --------------22.22M21.67M20.88M20.37M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 10.44M18.36M14.79M11.31M14.20M-12.08M930.00K18.86M24.64M15.38M25.07M-36.77M14.77M12.17M18.21M
Investing Cash Flow -135.60M-71.98M-13.31M-46.43M14.98M--30.91M33.75M-55.97M-45.74M-48.08M-123.56M--111.87M-13.71M-46.59M-113.61M
Financing Cash Flow 97.34M36.51M8.01M25.77M-21.20M-13.75M21.86M-5.99M20.76M30.65M161.19M-1.99M-2.57M72.03M69.33M
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 9.04M17.69M14.28M10.18M13.18M-8.86M-557.00K16.65M21.31M14.09M21.49M-35.63M11.87M10.97M17.14M
Net Change in Cash --------------73.11M-1.50M37.61M-26.07M
Share Buybacks 13.69M16.13M9.71M32.08M20.09M10.52M3.91M1.38M9.31M22.92M19.45M10.52M23.28M6.35M5.02M7.60M6.10M
Dividends Paid 14.60M14.29M14.30M10.72M5.87M3.83M2.10M2.44M3.58M4.64M5.27M5.04M4.68M5.28M6.07M5.91M5.71M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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
11.71%
Institutions
64.65%
Public Float
73.23%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.16% 1.84M $25.20M
2 Dimensional Fund Advisors LP 7.08% 1.42M $19.48M
3 Renaissance Technologies, LLC 4.73% 947.56K $13.00M
4 Strategic Value Bank Partners LLC 4.32% 865.57K $11.88M
5 Vanguard Capital Management LLC 3.67% 736.03K $10.10M
6 Royce & Associates LP 3.65% 731.56K $10.04M
7 Ameriprise Financial, Inc. 3.46% 693.94K $9.52M
8 Acadian Asset Management. LLC 2.77% 555.42K $7.62M
9 Geode Capital Management, LLC 2.19% 438.04K $6.01M
10 Arrowstreet Capital, Limited Partnership 1.53% 305.83K $4.20M

Analyst View

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Latest News

Recent headlines for WNEB

Yahoo Finance ue, 28 Jul 2026

Western New England Bancorp (WNEB) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

Although the revenue and EPS for Western New England Bancorp (WNEB) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the yea…

Yahoo Finance ue, 28 Apr 2026

Western New England Bancorp (WNEB) Q1 Earnings and Revenues Beat Estimates

Western New England Bancorp (WNEB) delivered earnings and revenue surprises of +14.29% and +0.69%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?…

Yahoo Finance Fri, 07 Aug 2026

Get Paid by September 1st with These 4 Dividend Stocks. But There’s a Catch.

Four dividend stocks share the same August 12 record date, which means buyers have until August 11 to qualify, but each name comes with a hidden risk that the upcoming payout will not cancel out.

Yahoo Finance ue, 28 Jul 2026

Western New England Bancorp (WNEB) Q2 Earnings Miss Estimates

Western New England Bancorp (WNEB) delivered earnings and revenue surprises of -28.00% and +0.57%, respectively, for the quarter ended June 2026. Do the numbers hold clues to what lies ahead for the stock?…

Yahoo Finance ue, 28 Jul 2026

Western New England Bancorp, Inc. Reports Results for Three and Six Months Ended June 30, 2026 and Declares Quarterly Cash Dividend

WESTFIELD, Mass., July 28, 2026 (GLOBE NEWSWIRE) -- Western New England Bancorp, Inc. (the “Company” or “WNEB”) (NasdaqGS: WNEB), the holding company for Westfield Bank (the “Bank”), announced today the unaudited results of operations for t…

Yahoo Finance Fri, 12 Jun 2026

Western New England Bancorp (WNEB) Upgraded to Buy: Here's What You Should Know

Western New England Bancorp (WNEB) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

WNEB — Frequently Asked Questions

What is the current share price of Western New England Bancorp, Inc. (WNEB)?

As of 2026-09-07 16:24 PDT, Western New England Bancorp, Inc. (WNEB) trades at $13.89 on NasdaqGS. Its 52-week range is $10.63 to $14.74.

What is the market capitalisation of WNEB?

Western New England Bancorp, Inc. (WNEB) has a market capitalisation of $278.44M on NasdaqGS.

What is the P/E ratio of WNEB?

WNEB trades at a trailing price-to-earnings (P/E) ratio of 16.73. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.09.

Does WNEB pay a dividend?

Western New England Bancorp, Inc. (WNEB) currently offers a dividend yield of 1.99%.

What is the return on equity (ROE) of WNEB?

WNEB has a return on equity (ROE) of 6.87%.

Is WNEB a good stock to buy?

This page provides a data-driven analysis of Western New England Bancorp, Inc. (WNEB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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