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Financial Services - Banks - Regional - NASDAQ - US
$ 8.95
-0.117 %
$ 186 M
Market Cap
15.25
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one WNEB stock under the worst case scenario is HIDDEN Compared to the current market price of 8.95 USD, Western New England Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one WNEB stock under the base case scenario is HIDDEN Compared to the current market price of 8.95 USD, Western New England Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 23, 2025.

The intrinsic value of one WNEB stock under the best case scenario is HIDDEN Compared to the current market price of 8.95 USD, Western New England Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WNEB

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$10.0$10.0$9.5$9.5$9.0$9.0$8.5$8.5$8.0$8.0$7.5$7.5Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
110 M REVENUE
40.27%
106 M OPERATING INCOME
235.72%
11.7 M NET INCOME
-22.58%
12.2 M OPERATING CASH FLOW
-17.62%
-46.6 M INVESTING CASH FLOW
-239.95%
72 M FINANCING CASH FLOW
2903.97%
28.4 M REVENUE
-0.52%
27.5 M OPERATING INCOME
-1.23%
3.29 M NET INCOME
72.69%
6.06 M OPERATING CASH FLOW
103.19%
-18.1 M INVESTING CASH FLOW
40.07%
5.74 M FINANCING CASH FLOW
-87.69%
Balance Sheet Western New England Bancorp, Inc.
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Current Assets 188 M
Cash & Short-Term Investments 180 M
Receivables 8.47 M
Other Current Assets 0
Non-Current Assets 52.3 M
Long-Term Investments 0
PP&E 24.4 M
Other Non-Current Assets 27.9 M
74.70 %3.52 %10.16 %11.62 %Total Assets$240.3m
Current Liabilities 5.39 M
Accounts Payable 0
Short-Term Debt 5.39 M
Other Current Liabilities 0
Non-Current Liabilities 2.41 B
Long-Term Debt 98 M
Other Non-Current Liabilities 2.31 B
4.05 %95.72 %Total Liabilities$2.4b
EFFICIENCY
Earnings Waterfall Western New England Bancorp, Inc.
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Revenue 110 M
Cost Of Revenue 0
Gross Profit 110 M
Operating Expenses 3.43 M
Operating Income 106 M
Other Expenses 94.7 M
Net Income 11.7 M
120m120m100m100m80m80m60m60m40m40m20m20m00110m0110m(3m)106m(95m)12mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
96.88% OPERATING MARGIN
96.88%
10.62% NET MARGIN
10.62%
4.95% ROE
4.95%
0.44% ROA
0.44%
34.53% ROIC
34.53%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Western New England Bancorp, Inc.
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35m35m30m30m25m25m20m20m15m15m10m10m5m5m00(5m)(5m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 11.7 M
Depreciation & Amortization 2.6 M
Capital Expenditures 0
Stock-Based Compensation 1.47 M
Change in Working Capital -3.18 M
Others -3.75 M
Free Cash Flow 12.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Western New England Bancorp, Inc.
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WNEB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.07 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.300.300.250.250.200.200.150.150.100.100.050.050.000.000.030.030.030.040.050.050.050.060.070.070.070.030.030.030.040.050.050.050.060.070.070.030.030.030.040.050.050.050.060.070.070.030.120.030.120.030.120.040.160.050.200.050.200.050.200.060.240.070.280.070.280.072015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Western New England Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
45.9 K USD 1
6-9 MONTHS
51 K USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
28 K USD 2
9-12 MONTHS
7. News
Western New England Bancorp (WNEB) Reports Q1 Earnings: What Key Metrics Have to Say While the top- and bottom-line numbers for Western New England Bancorp (WNEB) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 1 week ago
Western New England Bancorp (WNEB) Lags Q1 Earnings and Revenue Estimates Western New England Bancorp (WNEB) came out with quarterly earnings of $0.11 per share, missing the Zacks Consensus Estimate of $0.12 per share. This compares to earnings of $0.14 per share a year ago. zacks.com - 1 week ago
Western New England Bancorp, Inc. Reports Results for Three Months Ended March 31, 2025 and Declares Quarterly Cash Dividend WESTFIELD, Mass., April 22, 2025 (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 the three months ended March 31, 2025. globenewswire.com - 1 week ago
Western New England Bancorp (WNEB) Surges 6.8%: Is This an Indication of Further Gains? Western New England Bancorp (WNEB) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road. zacks.com - 3 weeks ago
Western New England Bancorp (WNEB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for Western New England Bancorp (WNEB) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 3 months ago
Western New England Bancorp (WNEB) Surpasses Q4 Earnings and Revenue Estimates Western New England Bancorp (WNEB) came out with quarterly earnings of $0.16 per share, beating the Zacks Consensus Estimate of $0.12 per share. This compares to earnings of $0.12 per share a year ago. zacks.com - 3 months ago
Western New England Bancorp, Inc. Reports Results for Three Months and Year Ended December 31, 2024 and Declares Quarterly Cash Dividend WESTFIELD, Mass., Jan. 28, 2025 (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 the three and twelve months ended December 31, 2024. For the three months ended December 31, 2024, the Company reported net income of $3.3 million, or $0.16 per diluted share, compared to net income of $2.5 million, or $0.12 per diluted share, for the three months ended December 31, 2023. On a linked quarter basis, net income was $3.3 million, or $0.16 per diluted share, for the three months ended December 31, 2024, as compared to net income of $1.9 million, or $0.09 per diluted share, for the three months ended September 30, 2024. For the twelve months ended December 31, 2024, net income was $11.7 million, or $0.56 per diluted share, compared to net income of $15.1 million, or $0.70 per diluted share, for the twelve months ended December 31, 2023. globenewswire.com - 3 months ago
Western New England Bancorp (WNEB) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates The headline numbers for Western New England Bancorp (WNEB) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 6 months ago
Western New England Bancorp (WNEB) Q3 Earnings Miss Estimates Western New England Bancorp (WNEB) came out with quarterly earnings of $0.09 per share, missing the Zacks Consensus Estimate of $0.10 per share. This compares to earnings of $0.21 per share a year ago. zacks.com - 6 months ago
Western New England Bancorp, Inc. Reports Results for Three and Nine Months Ended September 30, 2024 and Declares Quarterly Cash Dividend WESTFIELD, Mass., Oct. 23, 2024 (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 the three and nine months ended September 30, 2024. For the three months ended September 30, 2024, the Company reported net income of $1.9 million, or $0.09 per diluted share, compared to net income of $4.5 million, or $0.21 per diluted share, for the three months ended September 30, 2023. On a linked quarter basis, net income was $1.9 million, or $0.09 per diluted share, as compared to net income of $3.5 million, or $0.17 per diluted share, for the three months ended June 30, 2024. For the nine months ended September 30, 2024, net income was $8.4 million, or $0.40 per diluted share, compared to net income of $12.6 million, or $0.58 per diluted share, for the nine months ended September 30, 2023. globenewswire.com - 6 months ago
Western New England Bancorp (WNEB) Reports Q2 Earnings: What Key Metrics Have to Say While the top- and bottom-line numbers for Western New England Bancorp (WNEB) give a sense of how the business performed in the quarter ended June 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 9 months ago
Western New England Bancorp (WNEB) Q2 Earnings and Revenues Surpass Estimates Western New England Bancorp (WNEB) came out with quarterly earnings of $0.17 per share, beating the Zacks Consensus Estimate of $0.11 per share. This compares to earnings of $0.13 per share a year ago. zacks.com - 9 months ago
8. Profile Summary

Western New England Bancorp, Inc. WNEB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 186 M
Dividend Yield 0.00%
Description 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.
Contact 141 Elm Street, Westfield, MA, 01085 https://www.westfieldbank.com
IPO Date May 2, 2002
Employees 286
Officers Ms. Guida R. Sajdak Chief Financial Officer, Executive Vice President & Treasurer Mr. Allen J. Miles III Executive Vice President & Chief Lending Officer Ms. Nadia M. Baral Vice President & Director of Compliance Mr. Daniel Marini Senior Vice President of Retail Banking & Marketing Mr. Kevin C. O'Connor Executive Vice President & Chief Operating Officer Mr. John E. Bonini J.D. Senior Vice President & General Counsel Mr. James C. Hagan President, Chief Executive Officer & Director Ms. Darlene M. Libiszewski Senior Vice President & Chief Information Officer Ms. Meghan Hibner Vice President, Controller & Investor Relations Officer Carole Hinkley Assistant Vice President & Investment Officer