WNEB - NASDAQ
Western New England Bancorp, Inc.
$12.81
-2.7%Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides a range of commercial and retail banking products and services to individuals and businesses. The company accepts various deposit accounts, including checking, business and municipal savings, money market and sweep, individual retirement, and other savings accounts; time deposits; certificates of deposit; and interest on lawyers trust accounts. It also offers residential and commercial real estate, commercial construction, working capital, equipment financing and term, home equity, and consumer loans; commercial and industrial loans, such as revolving lines of credit. In addition, the company provides automated teller machine (ATM), telephone and online banking, remote deposit capture, cash management, overdraft and safe deposit facility, and night deposit services. As of December 31, 2021, it operated through a network of 25 banking offices, 23 free-standing ATMs, and 35 seasonal or temporary ATMS located in Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield and Westfield, Massachusetts and Bloomfield, Enfield, Granby, and West Hartford, Connecticut. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. Western New England Bancorp, Inc. was founded in 1853 and is headquartered in Westfield, Massachusetts.
At a Glance
Live SnapshotWestern New England Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Western New England Bancorp, Inc. Cash Flow Statement
WNEB • NASDAQ
| Western New England Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
15.3M | 11.7M | 15.1M | 25.9M | 23.7M | 11.2M | 13.3M | 16.4M | 12.3M | 4.8M | 5.7M | 6.2M | 6.8M | 6.3M | 5.9M | 3M | 5.5M | 6.7M | 8.7M | 4.7M | |
2.5M | 2.6M | 2.6M | 2.7M | 2.7M | 2.5M | 2.5M | 2.4M | 2.3M | 1.5M | 1.3M | 1.2M | 1.1M | 1M | 1.1M | 1.3M | 1.3M | 1.2M | 1.4M | 1.7M | |
-1M | 178K | 191K | 1.1M | 644K | -2.4M | -680K | -796K | 7.3M | 274K | -231K | -193K | 980K | 185K | 21K | -389K | -112K | -1.1M | -184K | -256K | |
1.1M | 2M | 2M | 1.8M | 2M | 1.4M | 1.6M | 1.8M | 1.6M | 892K | 713K | 668K | 853K | 2.2M | 2.6M | 2.7M | 2.2M | 1.9M | 0.0 | 0.0 | |
472K | -1.1M | 176K | 1.8M | 290K | 6.5M | 3.2M | 1.1M | 283K | 2M | 4.6M | 4.6M | 3.3M | 2.3M | 3M | 9.4M | 5.9M | 3.1M | 1.7M | 1.8M | |
-94K | -3.2M | -5.2M | 3.5M | -525K | 5.9M | -4.6M | 3.7M | -5M | -8.5M | -29K | -85K | 1.2M | -670K | 2.1M | 2.3M | -4.2M | -671K | 1.4M | -815K | |
18.2M | 12.2M | 14.8M | 36.8M | 28.8M | 25.1M | 15.4M | 24.6M | 18.9M | 930K | 12.1M | 12.3M | 14.2M | 11.3M | 14.8M | 18.4M | 10.4M | 11.1M | 13M | 7.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.2M | -2.9M | -1.1M | -3.5M | -3.6M | -1.3M | -3.3M | -2.2M | -1.5M | -3.2M | -1.9M | -1M | -1.1M | -514K | -662K | -1.4M | -536K | -1M | -2.6M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (23.8M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-31.8M | -34M | -7.9M | -33M | -296.6M | -159M | -74.5M | -16.9M | -67.2M | -87.2M | -143.7M | -66.8M | -216.2M | -375.2M | -257.3M | -717M | -428.1M | -198.6M | -233.9M | -138.8M | |
16.3M | 33.8M | 32.4M | 48.4M | 73.7M | 181.1M | 107.5M | 37.5M | 76.4M | 202.8M | 210.1M | 110.3M | 274.1M | 374.5M | 292.8M | 688.7M | 296.9M | 62.3M | 118.6M | 84.7M | |
-98.1M | -45.2M | -35.3M | -126.1M | 63.5M | -142.1M | -79.8M | -63.1M | -62.9M | -104.1M | -94.1M | -87.1M | -41.9M | -44.7M | -48.4M | -43M | -3.1M | 102.6M | -40.7M | -6.8M | |
-113.6M | -46.6M | -13.7M | -111.9M | -162.9M | -123.6M | -48.1M | -45.7M | -56M | (33.7M) | -30.9M | -45.5M | (15M) | -46.4M | -13.3M | -72M | -135.6M | -34.2M | -157M | -63.5M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-6.1M | -7.6M | -5M | -6.4M | -23.1M | -10.5M | -19.5M | -22.9M | -9.3M | -1.4M | -3.9M | -10.5M | -20.1M | -32.1M | -9.7M | -16.1M | -13.2M | -8.6M | -6M | 170.2M | |
-17.1M | -33.4M | 94.2M | 39.9M | -35.6M | -183.6M | -26.7M | -42M | 12.5M | -48.7M | -46.4M | 29.3M | -56.2M | 46.9M | -970K | 12.7M | 65.1M | 82.9M | 67.3M | 13.5M | |
-5.7M | -5.9M | -6.1M | -5.3M | -4.7M | -5M | -5.3M | -4.6M | -3.6M | -2.4M | -2.1M | -3.8M | -5.9M | -10.7M | -14.3M | -14.3M | -14.6M | -17.9M | -12.1M | -3.8M | |
-6.1M | -7.6M | -5M | -6.4M | -23.3M | -10.5M | -19.5M | -22.9M | -9.3M | -1.4M | -3.9M | -10.5M | -20.1M | -32.1M | -9.7M | -16.1M | -13.7M | -10.5M | -6.4M | (0.0) | |
98.3M | 118.9M | -85.7M | -26.3M | 213.5M | 360.3M | 82.1M | 90.3M | -5.6M | 74.4M | 66.1M | 17.2M | 61M | 21.6M | 33M | 54.2M | 60.1M | -14.3M | -22.2M | 4.7M | |
69.3M | 72M | -2.6M | 2M | 150.1M | 161.2M | 30.7M | 20.8M | -6M | 21.9M | 13.7M | 32.2M | -21.2M | 25.8M | 8M | 36.5M | 97.3M | 42M | 27.1M | 184.5M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-26.1M | 37.6M | -1.5M | -73.1M | 16M | 62.7M | -2M | -343K | -43.1M | 56.5M | -5.1M | -957K | 8M | -9.3M | 9.5M | -17.1M | -27.8M | 18.9M | -116.9M | 128.1M | |
66.5M | 28.8M | 30.3M | 103.5M | 87.4M | 24.7M | 26.8M | 27.1M | 70.2M | 13.7M | 18.8M | 19.7M | 11.8M | 21.1M | 11.6M | 28.7M | 56.5M | 37.6M | 154.5M | 26.5M | |
40.4M | 66.5M | 28.8M | 30.3M | 103.5M | 87.4M | 24.7M | 26.8M | 27.1M | 70.2M | 13.7M | 18.8M | 19.7M | 11.8M | 21.1M | 11.6M | 28.7M | 56.5M | 37.6M | 154.5M | |
17.1M | 11M | 11.9M | 35.6M | 25.3M | 21.5M | 14.1M | 21.3M | 16.6M | -557K | 8.9M | 10.4M | 13.2M | 10.2M | 14.3M | 17.7M | 9M | 10.6M | 12M | 4.4M |
SEC Filings
WNEB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 14, 2026 | May 14, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 14, 2026 | May 14, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 28, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 03, 2026 | May 14, 2026 | 2026 | |
10-K/A 10-K/A 2025 FY (Amended) FY | March 16, 2026 | December 31, 2025 | 2025 | |
10-K 10-K 2025 FY FY | March 10, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 27, 2026 | February 24, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 |
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