A Business at a Glance
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Western New England Bancorp, Inc.
WNEB
$290M
Mkt Cap
$14.25
+0.71%
Western New England Bancorp, Inc. (WNEB) has a current P/E ratio of 21.6, compared to its historical median P/E of 14.8. The stock is currently considered Expensive based on its historical valuation range.
Western New England Bancorp, Inc. (WNEB) has a 5-year average return on invested capital (ROIC) of 7.2%. This is below average and may indicate limited pricing power.
Western New England Bancorp, Inc. (WNEB) has a market capitalization of $290M. It is classified as a small-cap stock.
Yes, Western New England Bancorp, Inc. (WNEB) pays a dividend with a trailing twelve-month yield of 1.97%. The company also returns capital through share buybacks, with a buyback yield of 2.10%.
Based on historical P/E analysis, Western New England Bancorp, Inc. (WNEB) appears expensive. The current P/E of 21.6 is 46% above its historical median of 14.8. The estimated fair value CAGR (P/E method) is 5.3%.
Western New England Bancorp, Inc. (WNEB) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
ITEM 1.BUSINESS. Western New England Bancorp, Inc. (“WNEB” or “Company”) (f/k/a “Westfield Financial, Inc.”) headquartered in Westfield, Massachusetts, is a Massachusetts-chartered stock holding company and is registered as a savings and loan holding company with the Federal Reserve Board under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). In 2001, the Company reorganized from a Massachusetts-chartered savings bank holding company to a Massachusetts-chartered stock corporation with the second step conversion being completed in 2007. WNEB is the parent company and owns all of the capital stock of Westfield Bank (“Westfield” or “Bank”). The Company is also subject to the jurisdiction of the SEC and is subject to the disclosure and other regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, as administered by the SEC.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 131M | 131M | 123M | 112M | 99M | 92M |
| Net Income | 15M | 15M | 12M | 15M | 26M | 24M |
| EPS | $0.75 | $0.75 | $0.56 | $0.70 | $1.18 | $1.02 |
| Free Cash Flow | 17M | 17M | 11M | 12M | 36M | 25M |
| ROIC | 6.2% | 5.0% | 4.1% | 6.4% | 11.4% | 9.3% |
| Gross Margin | 0.0% | 0.0% | - | - | 0.0% | - |
| Debt/Equity | 0.15 | 0.15 | 0.44 | 0.08 | 0.19 | 0.00 |
| Dividends/Share | $0.28 | $0.28 | $0.28 | $0.28 | $0.24 | $0.20 |
| Operating Income | 20M | 20M | 15M | 20M | 35M | 32M |
| Operating Margin | 15.1% | 15.1% | 12.2% | 17.5% | 34.9% | 34.3% |
| ROE | 6.2% | 6.3% | 4.9% | 6.5% | 11.5% | 10.5% |
| Shares Outstanding | 20M | 20M | 21M | 22M | 22M | 23M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 45M | 47M | 55M | 83M | 88M | 92M | 92M | 92M | 99M | 112M | 123M | 131M | 131M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 15M | 15M | 17M | 25M | 26M | 28M | 29M | 32M | 33M | 32M | 33M | 36M | 36M |
| EBIT | 8.0M | 7.8M | 7.4M | 22M | 21M | 17M | 14M | 32M | 35M | 20M | 15M | 20M | 20M |
| Op. Margin | 17.7% | 16.6% | 13.6% | 26.3% | 23.9% | 18.7% | 15.4% | 34.3% | 34.9% | 17.5% | 12.2% | 15.1% | 15.1% |
| Net Income | 6.2M | 5.7M | 4.8M | 12M | 16M | 13M | 11M | 24M | 26M | 15M | 12M | 15M | 15M |
| Net Margin | 13.6% | 12.1% | 8.9% | 14.9% | 18.6% | 14.5% | 12.2% | 25.6% | 26.1% | 13.5% | 9.5% | 11.6% | 11.6% |
| Non-Recurring | 0 | 0 | 0 | 37K | 0 | 0 | 0 | 0 | 0 | -3K | -6K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 1.6% | 1.7% | 1.5% | 3.2% | 3.8% | 3.0% | 3.1% | 9.3% | 11.4% | 6.4% | 4.1% | 5.0% | 6.2% |
| ROE | 4.2% | 4.1% | 2.6% | 5.1% | 6.8% | 5.7% | 4.9% | 10.5% | 11.5% | 6.5% | 4.9% | 6.3% | 6.2% |
| ROA | 0.5% | 0.4% | 0.3% | 0.6% | 0.8% | 0.6% | 0.5% | 1.0% | 1.0% | 0.6% | 0.4% | 0.6% | 0.6% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 12M | 12M | 930K | 19M | 25M | 15M | 25M | 29M | 37M | 15M | 12M | 18M | 18M |
| Free Cash Flow | 10M | 8.9M | -557K | 17M | 21M | 14M | 21M | 25M | 36M | 12M | 11M | 17M | 17M |
| Owner Earnings | 11M | 11M | -761K | 16M | 22M | 13M | 22M | 25M | 33M | 11M | 8.5M | 15M | 15M |
| CapEx | 1.9M | 3.2M | 1.5M | 2.2M | 3.3M | 1.3M | 3.6M | 3.5M | 1.1M | 2.9M | 1.2M | 1.1M | 1.1M |
| Maint. CapEx | 1.2M | 1.3M | 1.4M | 2.0M | 2.1M | 2.1M | 2.1M | 2.3M | 2.3M | 2.2M | 2.2M | 2.1M | 2.1M |
| Growth CapEx | 748K | 1.9M | 58K | 247K | 1.2M | 0 | 1.5M | 1.2M | 0 | 702K | 0 | 0 | 0 |
| D&A | 1.2M | 1.3M | 1.4M | 2.0M | 2.1M | 2.1M | 2.1M | 2.3M | 2.3M | 2.2M | 2.2M | 2.1M | 2.1M |
| CapEx/OCF | 15.7% | 26.7% | 159.9% | 11.7% | 13.5% | 8.4% | 14.3% | 12.6% | N/A | 19.6% | 9.8% | N/A | 5.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 3.8M | 2.1M | 2.4M | 3.6M | 4.6M | 5.3M | 5.0M | 4.7M | 5.3M | 6.1M | 5.9M | 5.7M | 5.7M |
| Dividend Yield | 3.8% | 2.1% | 1.9% | 1.5% | 1.9% | 2.6% | 3.7% | 2.8% | N/A | 4.1% | 3.7% | N/A | 2.0% |
| Share Buybacks | 11M | 3.9M | 1.4M | 9.3M | 23M | 19M | 11M | 23M | 6.4M | 5.0M | 7.6M | 6.1M | 6.1M |
| Buyback Yield | 10.4% | 3.5% | 0.9% | 3.5% | 10.0% | 9.3% | 7.1% | 13.1% | 0.0% | 2.8% | 4.1% | 0.0% | 2.1% |
| Stock-Based Comp | 92K | 131K | 262K | 649K | 845K | 773K | 834K | 1.3M | 1.1M | 1.4M | 1.5M | 1.1M | 1.1M |
| Debt Repayment | 22M | 81M | 90M | 21M | 70M | 85M | 208M | 55M | 1.5M | 532K | 121M | 25M | 25M |
| Balance Sheet | |||||||||||||
| Net Debt | 314M | 268M | 231M | 283M | -7.1M | -12M | -230M | -297M | -135M | -146M | -124M | -178M | -2.1M |
| Cash & Equiv. | 3.8M | 9.9M | 23M | 22M | 21M | 25M | 87M | 103M | 30M | 29M | 66M | 40M | 40M |
| Long-Term Debt | 232M | 153M | 125M | 165M | 208M | 206M | 58M | 458K | 1.5M | 4.0M | 98M | 25M | 25M |
| Debt/Equity | 2.29 | 2.02 | 1.25 | 1.25 | 1.13 | 1.04 | 0.26 | 0.00 | 0.19 | 0.08 | 0.44 | 0.15 | 0.15 |
| Interest Coverage | 1.8 | 1.7 | 1.7 | 2.5 | 2.1 | 1.7 | 1.8 | 5.8 | 0.0 | 1.7 | 1.4 | 0.0 | 0.4 |
| Equity | 143M | 139M | 238M | 247M | 237M | 232M | 227M | 224M | 228M | 237M | 236M | 248M | 248M |
| Total Assets | 1.3B | 1.3B | 2.1B | 2.1B | 2.1B | 2.2B | 2.4B | 2.5B | 2.6B | 2.6B | 2.7B | 2.7B | 2.7B |
| Total Liabilities | 1.2B | 1.2B | 1.8B | 1.8B | 1.9B | 1.9B | 2.1B | 2.3B | 2.3B | 2.3B | 2.4B | 2.5B | 2.5B |
| Intangibles | N/A | N/A | 4.4M | 4.1M | 3.7M | 3.3M | 2.9M | 2.6M | 2.2M | 1.8M | 1.4M | 1.1M | 1.1M |
| Retained Earnings | 46M | 49M | 52M | 63M | 74M | 82M | 88M | 107M | 128M | 137M | 143M | 152M | 152M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | 455K | N/A | N/A | N/A | N/A | N/A | 0 | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.34 | 0.33 | 0.24 | 0.41 | 0.57 | 0.51 | 0.45 | 1.02 | 1.18 | 0.70 | 0.56 | 0.75 | 0.75 |
| Owner EPS | 0.61 | 0.61 | -0.04 | 0.54 | 0.75 | 0.48 | 0.89 | 1.08 | 1.52 | 0.52 | 0.41 | 0.74 | 0.74 |
| Book Value | 7.87 | 8.05 | 11.84 | 8.23 | 8.23 | 8.86 | 9.09 | 9.63 | 10.40 | 11.03 | 11.32 | 12.16 | 12.16 |
| Cash Flow/Share | 0.68 | 0.70 | 0.05 | 0.63 | 0.86 | 0.59 | 1.01 | 1.24 | 1.68 | 0.69 | 0.58 | 0.89 | 0.85 |
| Dividends/Share | 0.21 | 0.12 | 0.12 | 0.12 | 0.16 | 0.20 | 0.20 | 0.20 | 0.24 | 0.28 | 0.28 | 0.28 | 0.28 |
| Shares Out. | 18.1M | 17.3M | 20.1M | 30.0M | 28.8M | 26.2M | 24.9M | 23.2M | 21.9M | 21.5M | 20.8M | 20.4M | 20.4M |
| Valuation | |||||||||||||
| P/E Ratio | 16.5 | 19.7 | 30.8 | 21.5 | 14.0 | 15.6 | 13.2 | 7.5 | N/A | 12.0 | 16.0 | N/A | 19.0 |
| P/FCF | 9.8 | 12.7 | N/A | 15.9 | 10.8 | 14.8 | 6.9 | 7.0 | N/A | 15.2 | 17.0 | N/A | 16.9 |
| EV/EBIT | 23.8 | 21.2 | 23.9 | 11.8 | 12.4 | 10.9 | N/A | N/A | N/A | 6.9 | 5.1 | N/A | 14.6 |
| Price/Book | 0.7 | 0.8 | 0.6 | 1.1 | 1.0 | 0.9 | 0.7 | 0.8 | N/A | 0.8 | 0.8 | N/A | 1.2 |
| Price/Sales | 2.8 | 2.8 | 2.9 | 3.6 | 3.5 | 3.0 | 1.8 | 2.0 | N/A | 1.9 | 2.2 | N/A | 2.2 |
| FCF Yield | 10.3% | 7.9% | -0.4% | 6.3% | 9.3% | 6.8% | 14.5% | 14.3% | N/A | 6.6% | 5.9% | N/A | 5.9% |
| Market Cap | 102M | 112M | 149M | 264M | 229M | 209M | 148M | 177M | 0 | 180M | 186M | 0 | 290M |
| Avg. Price | 5.50 | 5.85 | 6.24 | 8.13 | 8.51 | 7.77 | 5.47 | 7.22 | 0.00 | 6.89 | 7.69 | 0.00 | 14.25 |
| Year-End Price | 5.60 | 6.49 | 7.39 | 8.80 | 7.96 | 7.98 | 5.93 | 7.64 | 0.00 | 8.38 | 8.95 | 0.00 | 14.25 |
Western New England Bancorp, Inc. passes 3 of 9 quality checks, indicating weak fundamentals.
Western New England Bancorp, Inc. trades at 21.6x trailing earnings, compared to its 15-year median P/E of 14.8x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 18.3x vs a median of 14.8x. The company's 5-year average ROIC is 7.2%. Total shareholder yield (dividends + buybacks) is 4.1%. At current prices, the estimated annualized return to fair value is +0.5%.
Western New England Bancorp, Inc. (WNEB) reported annual revenue of $131 million in its most recent fiscal year, based on SEC EDGAR filings.
Western New England Bancorp, Inc. (WNEB) has a net profit margin of 11.6%. This is a healthy margin.
Western New England Bancorp, Inc. (WNEB) generated $17 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Western New England Bancorp, Inc. (WNEB) has a debt-to-equity ratio of 0.15. This indicates a conservatively financed balance sheet.
Western New England Bancorp, Inc. (WNEB) reported earnings per share (EPS) of $0.75 in its most recent fiscal year.
Western New England Bancorp, Inc. (WNEB) has a return on equity (ROE) of 6.3%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for Western New England Bancorp, Inc. (WNEB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Western New England Bancorp, Inc. (WNEB) has a book value per share of $12.16, based on its most recent annual SEC filing.
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