Western New England Bancorp, Inc. WNEB R2K
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
Trades at an undemanding P/E of 16.1.
Maintains a net profit margin of 20.6%.
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 +22.2%, earnings +117.2%.
- 5-Year Trend Long-term compounding — revenue CAGR -2.7%, profit CAGR -16.1%.
Growth & Price Performance
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: | +46.34% |
| 6 Months: | +12.54% |
| 3 Months: | +2.55% |
| 1 Month: | +4.11% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)55.05 · Neutral
P/E of 16.11 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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
- Excellent profit margin of 20.6%.
- Generates positive free cash flow.
- 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 14.18 | 16.11 | $285.38M | 1.94% | - | 7.31% | -2.73% | -16.14% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 |
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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.51% | 1.71M | $24.59M |
| 2 | Dimensional Fund Advisors LP | 7.01% | 1.41M | $20.24M |
| 3 | Renaissance Technologies, LLC | 4.97% | 1.00M | $14.36M |
| 4 | Strategic Value Bank Partners LLC | 4.30% | 865.57K | $12.42M |
| 5 | Vanguard Capital Management LLC | 4.25% | 855.20K | $12.27M |
| 6 | Royce & Associates LP | 3.67% | 738.10K | $10.59M |
| 7 | Ameriprise Financial, Inc. | 3.48% | 700.57K | $10.05M |
| 8 | Acadian Asset Management. LLC | 2.75% | 553.21K | $7.94M |
| 9 | Geode Capital Management, LLC | 1.99% | 399.56K | $5.73M |
| 10 | Arrowstreet Capital, Limited Partnership | 1.52% | 305.83K | $4.39M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for WNEB
How Warren Buffett Stays Calm During Stock Market Declines—And What Investors Can Learn - Investopedia
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When Stock Markets Become a Single Bet - WSJ
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When to Sell Stock: The 20%-25% Profit-Taking Rule - Moomoo
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When stock markets are rattled by war, it usually pays to be patient - Los Angeles Times
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Western New England Bancorp (WNEB) Q1 Earnings and Revenues Beat Estimates - Yahoo Finance
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According to Warren Buffett's math the stock market is officially in 'playing with fire' territory - Fortune
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WNEB — Frequently Asked Questions
What is the current share price of Western New England Bancorp, Inc. (WNEB)?
As of 2026-07-14 21:23 PDT, Western New England Bancorp, Inc. (WNEB) trades at $14.18 on NasdaqGS. Its 52-week range is $9.48 to $14.67.
What is the market capitalisation of WNEB?
Western New England Bancorp, Inc. (WNEB) has a market capitalisation of $285.38M on NasdaqGS.
What is the P/E ratio of WNEB?
WNEB trades at a trailing price-to-earnings (P/E) ratio of 16.11. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.16.
Does WNEB pay a dividend?
Western New England Bancorp, Inc. (WNEB) currently offers a dividend yield of 1.94%.
What is the return on equity (ROE) of WNEB?
WNEB has a return on equity (ROE) of 7.31%.
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.