Western New England Bancorp, Inc.

WNEB

Financial ServicesSmall CapUS Equities · NYSE / NASDAQ

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Company Profile

Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides various commercial and retail banking products and services to individuals and companies. It offers various deposit products, including commercial, small business, nonprofit and municipal checking, money market, sweep accounts, time deposits, interest-bearing and noninterest-bearing checking, and individual retirement accounts, as well as certificates of deposit. The company also originates and funds commercial and residential real estate loans, including first mortgages, home equity loans, and home equity lines, and secured by one-to-four family residential properties; home equity revolving loans and lines of credit; consumer loans, including automobile, spa and pool, collateral, and personal lines of credit; commercial and industrial loans, such as letters of credit, revolving lines of credit, working capital, equipment financing, and term loans; and construction and land development loans. In addition, it provides automated teller machine (ATM), telephone and online banking, remote deposit capture, cash management, overdraft and safe deposit facility, and night deposit services. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. The company was founded in 1853 and is headquartered in Westfield, Massachusetts.

Valuation

Market Cap$266M

Current Price$13.85as of Jun 23, 2026

P/E Ratio17.40

P/B Ratio1.07

EV / EBITDA-

EV / Sales4.04

Profitability

Operating Margin-

Net Profit Margin18.5%

EBITDA Margin-

Returns

ROE6.2%

ROCE-

ROIC %-

ROA0.6%

Solvency

Current Ratio-

Debt / Equity0.43

Debt / Assets0.04

CFO / Net Profit1.19

Price History▲ 57.69% over 1Y

Technical Chart

Historical Performance Charts

5-year financial trends. Figures in USD millions.

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

No margin data.

Growth Summary

Latest fiscal year: 2025

Revenue$83M▲ 13.6%

EBITDA-

Net Profit$15M▲ 30.9%

Cash from Ops (CFO)$18M▲ 49.7%

Free Cash Flow (FCF)$17M▲ 56.2%

Revenue CAGR 3Y-2.7%

Revenue CAGR 5Y-

Net Profit CAGR 3Y-16.1%

Net Profit CAGR 5Y-

Historical Growth

Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)

Year	Revenue	EBITDA	Net Profit	FCF	ROE	Rev Growth 1Y	NP Growth 1Y
2025	$83M	-	$15M	$17M	6.2%	13.6%	30.9%
2024	$73M	-	$12M	$11M	4.9%	-9.0%	-22.6%
2023	$80M	-	$15M	$12M	6.3%	-10.9%	-41.8%
2022	$90M	-	$26M	$36M	11.3%	-	-
2021

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2021	2022	2023	2024	2025
Total Revenue	-	89.76	79.95	72.73	82.61
Operating Revenue	-	89.76	79.95	72.73	82.61
Selling General And Administration	-	35.15	35.20	35.52	39.08
Interest Income	-	85.93	101.12	109.83	118.62
Interest Expense	-	6.70	33.21	50.02	48.52
Net Interest Income	-	79.23	67.91	59.82	70.10
Pretax Income	-	34.63	19.58	14.96	19.79
Tax Provision	-	8.74	4.52	3.29	4.52
Tax Rate For Calcs	-	0	0	0	0
Tax Effect Of Unusual Items	-	0.71	-0.26	0	0
Net Income Continuous Operations	-	25.89	15.07	11.67	15.27
Net Income From Continuing And Discontinued Operation	-	25.89	15.07	11.67	15.27
Net Income From Continuing Operation Net Minority Interest	-	25.89	15.07	11.67	15.27
Net Income	-	25.89	15.07	11.67	15.27
Net Income Common Stockholders	-	25.89	15.07	11.67	15.27
Net Income Including Noncontrolling Interests	-	25.89	15.07	11.67	15.27
Normalized Income	-	23.79	15.95	11.67	15.27
Diluted NI Availto Com Stockholders	-	25.89	15.07	11.67	15.27
Basic Average Shares	-	21.88	21.54	20.90	20.19
Diluted Average Shares	-	21.94	21.61	21.02	20.32
Reconciled Depreciation	-	2.69	2.59	2.60	2.48
Total Unusual Items	-	2.81	-1.15	-0.01	0
Total Unusual Items Excluding Goodwill	-	2.81	-1.15	-0.01	0
Special Income Charges	-	2.81	-1.15	-0.01	0
Other Special Charges	-	-2.81	1.15	0.01	-
Gain On Sale Of Security	-	-0.30	0.59	1.30	0.28
General And Administrative Expense	-	33.74	33.70	34.25	37.43
Other Gand A	2.90	-	-	-	-
Salaries And Wages	-	32.70	32.38	32.79	35.83
Insurance And Claims	-	1.05	1.32	1.46	1.60
Selling And Marketing Expense	-	1.41	1.50	1.27	1.65
Occupancy And Equipment	-	7.01	7	7.19	7.09
Professional Expense And Contract Services Expense	-	2.60	2.73	2.16	2.02
Other Non Interest Expense	-	12.47	13.42	13.56	14.29

Peer Comparison

Financial Services sector peers, ranked by market cap

Company	Ticker	Market Cap	P/E	P/B	ROE	EV/EBITDA
Western New England Bancorp, Inc.this co.	WNEB	$266M	17.40↑ premium	1.07	6.2%	-
First Western Financial, Inc.	MYFW	$281M	21.28	1.06	5.0%	-
Fidelity D & D Bancorp, Inc.	FDBC	$273M	9.67	1.14	11.8%	-
Open Lending Corporation	LPRO	$265M	-62.51	3.53	-5.7%	33.19
Franklin Financial Services Corporation

Learn while you research

Hand-picked academy chapters to deepen your understanding of Western New England Bancorp, Inc. and the metrics that matter.

01 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read 02 Stock Market Risks

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Year

Revenue

EBITDA

Net Profit

FCF

ROE

Rev Growth 1Y

NP Growth 1Y

2025

$83M

$15M

$17M

6.2%

13.6%

30.9%

2024

$73M

$12M

$11M

4.9%

-9.0%

-22.6%

2023

$80M

$15M

$12M

6.3%

-10.9%

-41.8%

2022

$90M

$26M

$36M

11.3%

2021

Metric

2021

2022

2023

2024

2025

Total Revenue

89.76

79.95

72.73

82.61

Operating Revenue

89.76

79.95

72.73

82.61

Selling General And Administration

35.15

35.20

35.52

39.08

Interest Income

85.93

101.12

109.83

118.62

Interest Expense

6.70

33.21

50.02

48.52

Net Interest Income

79.23

67.91

59.82

70.10

Pretax Income

34.63

19.58

14.96

19.79

Tax Provision

8.74

4.52

3.29

4.52

Tax Rate For Calcs

Tax Effect Of Unusual Items

0.71

-0.26

Net Income Continuous Operations

25.89

15.07

11.67

15.27

Net Income From Continuing And Discontinued Operation

25.89

15.07

11.67

15.27

Net Income From Continuing Operation Net Minority Interest

25.89

15.07

11.67

15.27

Net Income

25.89

15.07

11.67

15.27

Net Income Common Stockholders

25.89

15.07

11.67

15.27

Net Income Including Noncontrolling Interests

25.89

15.07

11.67

15.27

Normalized Income

23.79

15.95

11.67

15.27

Diluted NI Availto Com Stockholders

25.89

15.07

11.67

15.27

Basic Average Shares

21.88

21.54

20.90

20.19

Diluted Average Shares

21.94

21.61

21.02

20.32

Reconciled Depreciation

2.69

2.59

2.60

2.48

Total Unusual Items

2.81

-1.15

-0.01

Total Unusual Items Excluding Goodwill

2.81

-1.15

-0.01

Special Income Charges

2.81

-1.15

-0.01

Other Special Charges

-2.81

1.15

0.01

Gain On Sale Of Security

-0.30

0.59

1.30

0.28

General And Administrative Expense

33.74

33.70

34.25

37.43

Other Gand A

2.90

Salaries And Wages

32.70

32.38

32.79

35.83

Insurance And Claims

1.05

1.32

1.46

1.60

Selling And Marketing Expense

1.41

1.50

1.27

1.65

Occupancy And Equipment

7.01

7.19

7.09

Professional Expense And Contract Services Expense

2.60

2.73

2.16

2.02

Other Non Interest Expense

12.47

13.42

13.56

14.29

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

Western New England Bancorp, Inc.this co.

WNEB

$266M

17.40↑ premium

1.07

6.2%

First Western Financial, Inc.

MYFW

$281M

21.28

1.06

5.0%

Fidelity D & D Bancorp, Inc.

FDBC

$273M

9.67

1.14

11.8%

Open Lending Corporation

LPRO

$265M

-62.51

3.53

-5.7%

33.19

Franklin Financial Services Corporation

Western New England Bancorp, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Western New England Bancorp, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Key concepts to brush up on