WNEB

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Western New England Bancorp, Inc.

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Key Metrics

Previous Close: $13.74
52-Week Range: $10.78 – $15.01
Market Cap: $276.43M
P/E (TTM): 16.61
EPS (TTM): 0.83
Dividend Yield: 2.04%

Advanced Metrics

Price/Book: 1.10
PEG Ratio: 1.58
Return on Equity: 6.87%
Return on Assets: 0.62%
Gross Margin: 0.00%
Operating Margin: 24.48%
Profit Margin: 19.52%
Current Ratio: —
Debt/Equity: —
Total Debt: $75.50M
Free Cash Flow: —
Revenue Growth: -2.40%
Earnings Growth: -20.70%
Enterprise Value: $308.03M

WNEB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$89.76M	$79.95M	$72.73M	$82.61M
Selling, General & Admin	$35.15M	$35.20M	$35.52M	$39.08M
Pretax Income	$34.63M	$19.58M	$14.96M	$19.79M
Income Tax	$8.74M	$4.52M	$3.29M	$4.52M
Net Income	$25.89M	$15.07M	$11.67M	$15.27M
Diluted EPS	1.18	0.70	0.56	0.75
Diluted Shares	21.94M	21.61M	21.02M	20.32M

WNEB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$28.69M	$25.85M	$57.19M	$38.15M
Receivables	$8.14M	$8.53M	$8.47M	$8.78M
Total Assets	$2.55B	$2.56B	$2.65B	$2.74B
Long-Term Debt	$20.85M	$140.36M	$117.75M	$92.79M
Total Debt	$62.20M	$156.46M	$123.14M	$106.06M
Total Liabilities	$2.33B	$2.33B	$2.42B	$2.49B
Retained Earnings	$127.98M	$136.99M	$142.75M	$152.30M
Shareholders' Equity	$228.14M	$237.41M	$235.91M	$247.64M
Net Debt	$33.51M	$130.61M	$65.95M	$67.92M

WNEB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$36.77M	$14.77M	$12.17M	$18.21M
Capital Expenditure	-$1.14M	-$2.90M	-$1.20M	-$1.07M
Free Cash Flow	$35.63M	$11.87M	$10.97M	$17.14M
Depreciation & Amortisation	$2.69M	$2.59M	$2.60M	$2.48M
Stock-Based Compensation	$1.76M	$1.98M	$2.04M	$1.79M
Investing Cash Flow	-$111.87M	-$13.71M	-$46.59M	-$113.61M
Financing Cash Flow	$1.99M	-$2.57M	$72.03M	$69.33M
Dividends Paid	-$5.28M	-$6.07M	-$5.91M	-$5.71M
Share Repurchases	-$6.35M	-$5.02M	-$7.60M	-$6.10M
Net Change in Cash	-$73.11M	-$1.50M	$37.61M	-$26.07M

WNEB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$20.38M	$20.63M	$23.89M	$22.26M	—
Selling, General & Admin	$9.67M	$10.02M	$10.12M	$10.06M	—
Pretax Income	$6.01M	$4.19M	$6.62M	$6.17M	—
Income Tax	$1.42M	$1.03M	$1.41M	$1.40M	—
Net Income	$4.59M	$3.17M	$5.21M	$4.78M	—
Diluted EPS	0.23	0.16	0.26	0.24	0.18
Diluted Shares	20.31M	20.24M	20.21M	20.07M	19.89M

WNEB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$105.79M	$87.22M	$75.84M	$38.15M	$52.28M
Receivables	$8.69M	$8.72M	$8.89M	$8.78M	$8.93M
Total Assets	$2.71B	$2.71B	$2.74B	$2.74B	$2.76B
Long-Term Debt	$117.76M	$117.77M	$117.78M	$92.79M	$92.80M
Total Debt	$122.28M	$121.81M	$120.76M	$106.06M	$116.61M
Total Liabilities	$2.47B	$2.47B	$2.49B	$2.49B	$2.52B
Retained Earnings	$143.61M	$146.76M	$148.51M	$152.30M	$155.71M
Shareholders' Equity	$237.68M	$239.43M	$243.64M	$247.64M	$248.10M
Net Debt	$16.49M	$34.59M	$44.92M	$67.92M	$64.33M

WNEB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$829.00K	$6.41M	$5.58M	$7.06M	$346.00K
Capital Expenditure	-$287.00K	—	-$259.00K	-$663.00K	-$734.00K
Free Cash Flow	-$1.12M	$6.54M	$5.32M	$6.39M	-$388.00K
Depreciation & Amortisation	$640.00K	$638.00K	$611.00K	$595.00K	$580.00K
Stock-Based Compensation	$300.00K	$471.00K	$461.00K	$557.00K	$21.00K
Investing Cash Flow	-$16.57M	-$20.49M	-$33.20M	-$43.34M	-$11.89M
Financing Cash Flow	$61.53M	-$3.18M	$17.26M	-$6.27M	$27.30M
Dividends Paid	-$1.44M	-$1.44M	-$1.42M	-$1.42M	-$1.37M
Share Repurchases	-$2.11M	-$2.79M	-$24.00K	-$1.18M	-$2.75M
Net Change in Cash	$44.13M	-$17.27M	-$10.37M	-$42.56M	$15.76M

Market Snapshot

About

Western New England Bancorp is the holding company for Westfield Bank, a community bank serving Massachusetts and Connecticut. The bank provides traditional banking services including residential and commercial lending, deposit products, and wealth management. WNEB focuses on relationship banking and serving local communities.