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Friday 6 November 2026
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Western New England Bancorp
WNEB Financial Banks Regional
Western New England Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $131.1 million, up 6.84% from fiscal 2024.
- Revenue
- +6.03%
- EPS
- +100.0%
- Free cash flow
- −9.46%
- Total debt
- −61.9%
Quarter to September 2026, against a year earlier
13.65
0.40
−2.85%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
16.61 | 16.43 | 12.79 | 7.92 | 8.50 | 15.66 | 18.88 | 17.31 | 26.07 | 38.45 |
Piotroski F-Score |
8 | 6 | 5 | 9 | 7 | 6 | 7 | 7 | 7 | 5 |
P/S ratio |
1.94 | 1.57 | 1.72 | 2.08 | 2.20 | 1.87 | 2.75 | 3.29 | 3.96 | 3.38 |
P/FCF ratio |
14.87 | 17.40 | 16.21 | 5.79 | 8.02 | 8.01 | 17.86 | 13.55 | 19.64 | 0.00 |
P/Operating CF |
36.11 | 31.76 | 21.75 | 12.19 | 19.84 | 21.98 | (62.25) | 68.11 | 61.94 | (70.63) |
P/B ratio |
1.03 | 0.82 | 0.81 | 0.90 | 0.91 | 0.76 | 1.09 | 1.22 | 1.32 | 0.77 |
Price to Tangible BV |
1.09 | 0.87 | 0.86 | 0.97 | 0.98 | 0.82 | 1.17 | 1.31 | 1.42 | 0.84 |
EV/Sales |
2.34 | 1.98 | 2.72 | 1.98 | 1.32 | 1.55 | 4.72 | 5.34 | 5.63 | 4.38 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
16.87 | 20.01 | 20.60 | 5.35 | 4.25 | 5.70 | 28.15 | 19.13 | 24.63 | 256.85 |
EV/FCF |
17.93 | 22.05 | 25.59 | 5.52 | 4.82 | 6.63 | 30.66 | 22.01 | 27.91 | (444.83) |
Quick Ratio |
0.02 | 0.03 | 0.01 | 0.01 | 0.05 | 0.04 | 0.01 | 0.02 | 0.02 | 0.04 |
Current Ratio |
0.93 | 0.94 | 0.95 | 0.89 | 0.87 | 0.98 | 1.05 | 1.04 | 1.00 | 0.97 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.39% | 4.44% | 5.47% | 0.82% | 0.88% | 2.45% | 9.42% | 9.82% | 7.91% | 6.01% |
Debt/Equity |
0.37 | 0.50 | 0.59 | 0.09 | 0.10 | 0.26 | 0.89 | 0.88 | 0.67 | 0.52 |
Asset Turnover |
0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 |
Operating CF/Net income |
1.19 | 1.04 | 0.98 | 1.42 | 1.21 | 2.24 | 1.15 | 1.50 | 1.53 | 0.19 |
Capex/Depreciation |
(0.23) | (0.23) | (0.58) | (0.20) | (0.50) | (0.63) | (0.22) | (0.67) | (0.40) | (0.29) |
| 6.32% | 4.93% | 6.47% | 11.46% | 10.53% | 4.89% | 5.69% | 6.78% | 5.07% | 2.56% | |
| 0.57% | 0.45% | 0.59% | 1.02% | 0.97% | 0.49% | 0.62% | 0.78% | 0.59% | 0.28% | |
ROIC |
4.12% | 3.25% | 3.51% | 9.90% | 13.91% | 4.49% | 2.60% | 3.15% | 3.62% | 2.44% |
Return on Tangible Assets |
(11.03%) | (9.88%) | (16.77%) | (10.97%) | (8.63%) | (69.37%) | 12.97% | 18.94% | 47.95% | (13.03%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
47.91% | 47.06% | 52.87% | 58.37% | 58.45% | 64.61% | 54.98% | 54.56% | 55.27% | 58.33% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.83% | 1.20% | 1.27% | 1.08% | 1.41% | 0.91% | 0.84% | 0.96% | 0.79% | 0.48% |
Graham Net Nets |
(1.08) | (1.52) | (1.47) | (1.53) | (1.76) | (0.79) | (0.62) | (0.57) | (0.56) | (1.11) |
Graham Number |
14.48 | 11.93 | 13.18 | 16.71 | 14.94 | 9.46 | 10.08 | 10.35 | 8.85 | 8.14 |
Earnings Yield |
6.02% | 6.09% | 7.82% | 12.63% | 11.76% | 6.39% | 5.30% | 5.78% | 3.84% | 2.60% |
Free Cash Flow Yield |
6.73% | 5.75% | 6.17% | 17.29% | 12.47% | 12.49% | 5.60% | 7.38% | 5.09% | (0.29%) |
Revenue per Share |
6.49 | 5.87 | 5.20 | 4.54 | 3.98 | 3.68 | 3.51 | 3.05 | 2.76 | 2.77 |
Operating CF per Share |
0.90 | 0.58 | 0.69 | 1.68 | 1.24 | 1.00 | 0.59 | 0.85 | 0.63 | 0.05 |
Capex per Share |
(0.05) | (0.05) | (0.13) | (0.05) | (0.15) | (0.14) | (0.05) | (0.11) | (0.07) | (0.07) |
Free Cash Flow per Share |
0.85 | 0.53 | 0.55 | 1.63 | 1.09 | 0.86 | 0.54 | 0.74 | 0.56 | (0.03) |
Cash per Share |
2.00 | 3.18 | 1.34 | 1.39 | 4.45 | 3.49 | 0.94 | 0.93 | 0.91 | 3.56 |
Shareholders Equity per Share |
12.26 | 11.29 | 11.02 | 10.43 | 9.63 | 9.05 | 8.86 | 8.21 | 8.28 | 12.10 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
12.26 | 11.29 | 11.02 | 10.43 | 9.63 | 9.05 | 8.86 | 8.21 | 8.28 | 12.10 |
Free Cash Flow |
17.14 | 11.05 | 11.89 | 35.63 | 25.37 | 21.55 | 14.12 | 21.41 | 16.65 | (0.54) |
Working Capital |
(161.72) | (142.46) | (115.43) | (260.84) | (300.74) | (41.27) | 79.12 | 62.00 | 2.20 | (57.99) |
Capital Expenditures |
(1.07) | (1.12) | (2.88) | (1.14) | (3.42) | (3.51) | (1.26) | (3.23) | (2.21) | (1.47) |
Net Current Asset Value |
(276.38) | (291.60) | (282.74) | (315.06) | (358.58) | (137.10) | (157.47) | (164.55) | (182.86) | (205.19) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.03 | 0.01 | 0.04 | 0.04 | 0.01 | 0.04 | 0.03 | 0.03 |
Price to Operating Income |
12.88 | 12.86 | 9.84 | 5.95 | 6.41 | 12.19 | 14.66 | 13.74 | 14.68 | 16.46 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.20 | 0.20 | 0.19 | 0.23 | 0.26 | 0.22 | 0.24 | 0.20 | 0.23 | 0.24 |
Cash ROIC |
4.50% | 2.63% | 2.92% | 12.75% | 7.26% | 5.79% | 3.05% | 4.54% | 3.79% | (0.12%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
17,759.60 | 16,512.37 | 23,561.88 | 121,527.28 | 123,466.39 | 40,436.26 | 25,372.68 | 30,695.41 | 37,536.36 | 49,100.21 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,311.78 | 2,203.20 | 2,186.59 | 2,243.17 | 2,150.16 | 1,860.64 | 1,636.93 | 1,551.04 | 1,512.08 | 1,209.22 |
Average Assets |
2,694.79 | 2,608.83 | 2,558.86 | 2,545.79 | 2,452.16 | 2,273.68 | 2,150.15 | 2,100.95 | 2,079.54 | 1,707.97 |
Average Common Equity |
241.77 | 236.66 | 232.78 | 225.92 | 225.16 | 229.33 | 234.53 | 242.16 | 242.84 | 188.93 |
Columns are period end dates · fundamentals updated 5 Nov 2026