Western New England Bancorp, Inc.

Western New England Bancorp, Inc.

WNEBยทNASDAQ

$12.81

-2.7%
Financial ServicesBanks - Regional

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 Snapshot
Market Cap$257.80M
EPS0.7600
P/E Ratio16.86
Earnings Date07/28/2026
3Y+31.0%
5Y+41.0%
10Y+134.0%
3Y-41.0%
5Y+36.0%
10Y+216.0%
3Y-50.0%
5Y-27.0%
10Y+1858.0%
Western New England Bancorp, Inc.

Western New England Bancorp, Inc. Profit Bridge

WNEB ยท NASDAQ
Revenue129.83M
Cost of Goods Sold (49.34M)
Gross Profit80.49M
Operating Expenses (61.18M)
Operating Income19.30M
Interest Expense (48.52M)
Other Income/Expense485.00K
Pretax Income19.79M
Income Tax (4.52M)
Net Income15.27M
Net Income
15.27M

Profitability Analysis

Gross Margin

62.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

14.9%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

11.8%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

22.8%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

Western New England Bancorp, Inc. Income Statement

WNEB โ€ข NASDAQ

Western New England Bancorp, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
129.8M
122.7M
112M
99.3M
92.4M
92.1M
91.8M
88.2M
82.5M
55.5M
48.6M
45.5M
48.7M
50.1M
48.8M
53.5M
56M
58.9M
58.1M
45.5M
GROSS PROFIT
(49.3M)
(49.4M)
(34.1M)
(7.4M)
(5.7M)
(26.2M)
(26.8M)
(20.9M)
(16M)
(11.9M)
(12.1M)
(11.5M)
(10M)
(13.4M)
(15.7M)
(25.7M)
(23.9M)
(25.8M)
(23.8M)
(19.9M)
80.5M
73.4M
77.9M
91.9M
86.7M
65.9M
65M
67.3M
66.5M
43.6M
36.6M
34M
38.6M
36.8M
33.1M
27.8M
32.1M
33.1M
34.3M
25.6M
OPERATING INCOME
(61.2M)
(58.4M)
(58.4M)
(57.2M)
(54.9M)
(51.8M)
(47.8M)
(46.2M)
(44.8M)
(36.2M)
(28.7M)
(25.9M)
(30M)
(28.2M)
(26M)
(24.8M)
(25.4M)
(24.6M)
(21.8M)
(19.4M)
(30.1M)
(35.4M)
(35M)
(35.2M)
(34.5M)
(31.5M)
(32.2M)
(30.6M)
(29.7M)
(20.7M)
(18.2M)
(17.8M)
(18.5M)
(19.2M)
(18.2M)
(17.4M)
(17.9M)
(17M)
(13.7M)
(12M)
19.3M
15M
19.6M
34.6M
31.7M
14.2M
17.2M
21.1M
21.7M
7.4M
7.8M
8M
8.6M
8.5M
7.2M
3M
6.7M
8.5M
12.5M
6.2M
PRE-TAX INCOME
(48.5M)
(50M)
(33.2M)
(6.7M)
(6.7M)
(18.4M)
(24.1M)
(19M)
(14.6M)
(11.3M)
(10.8M)
(9.9M)
(10.3M)
(12.7M)
(14.5M)
(16.8M)
(20M)
(22.3M)
(23.4M)
(19.6M)
70.1M
59.8M
67.9M
79.2M
73.2M
64.4M
58M
60M
59.4M
37.3M
31.7M
31.1M
30.7M
30.4M
30.5M
29.4M
32.5M
31.8M
30.2M
22.9M
(31.1M)
(23M)
(23.3M)
(22.1M)
(20.5M)
(20.3M)
(15.6M)
(15.6M)
(15.1M)
(15.5M)
(10.6M)
(8.1M)
(11.6M)
(9M)
(7.8M)
(7.4M)
(7.5M)
(7.7M)
(8.1M)
(7.4M)
485K
-6K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
19.8M
15M
19.6M
34.6M
31.7M
14.2M
17.2M
21.1M
21.7M
7.4M
7.8M
8M
8.6M
8.5M
7.2M
3M
6.7M
8.5M
12.5M
6.2M
NET INCOME
(4.5M)
(3.3M)
(4.5M)
(8.7M)
(8M)
(2.9M)
(3.9M)
(4.7M)
(9.4M)
(2.6M)
(2.1M)
(1.9M)
(1.9M)
(2.3M)
(1.3M)
(34K)
(1.3M)
(1.8M)
(3.8M)
(1.5M)
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

SEC Filings

WNEB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 374 filings