Friday 6 November 2026 Export WNEB’s income statement to Excel — free account

Western New England Bancorp

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

13.75 0.07 +0.51%

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Market cap: $271.3M
P/E: 13.7×
Fwd P/E: 14.0×
Dividend yield: 2.05%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Sold, $m 0.18

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	1	—	—	1	—	—	—	2	—	—

Insider Ownership 11.95%

Capital & Financial Ratios $m

Size

Market Cap 271.28

Revenue ttm 136.81

Net income ttm 19.88

Free cash flow ttm 17.25

Net debt Q (17.95)

Valuation

P/E 13.65

Forward P/E 14.00

Price / sales 1.96

Forward P/S Powerpack

Price / FCF 15.57

Price / book 1.10

Financial health

Current ratio Q 0.00

Debt / equity Q 0.18

Interest coverage Q —

Growth

Revenue growth Q +6.03%

Operating income growth Q +99.28%

EPS, this year +27.56%

EPS, next year A +11.85%

Revenue, next year A −40.50%

EPS, past 5 yrs +10.76%

EPS, next 5 yrs A +15.98%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 34.80%

10-year low 10-year high

P/S against its own 10 years 36.19%

10-year low 10-year high

P/B against its own 10 years 75.06%

10-year low 10-year high

Dividends

Yield: 2.05%
Annual rate: 0.28
Payout ratio: 28.0%
Growth, 2018–26: +7.25%/yr

0.16 ’18
0.20 ’19 +25
0.20 ’20 +0
0.20 ’21 +0
0.24 ’22 +20
0.28 ’23 +17
0.28 ’24 +0
0.28 ’25 +0
0.28 ’26 +0

paid change on the year, % Powerpack

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	29	66	40	63
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,044	2,126	2,212	—

	2023	2024	2025	Q'26
Payables	2,144	2,263	2,361	2,428
ST’ Debt	—	—	—	—
Other	—	—	—	—
	2,160	2,268	2,374	2,434

Compound Annual Growth %

	10y	5y	3y
Sales	10.73%	7.32%	9.73%
Cash Flow	4.19%	(6.19%)	(20.88%)
Earnings	10.33%	6.37%	(16.14%)
Book Value	5.91%	1.79%	2.77%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.26 Actual 0.32

0.16 0.20 0.25 0.30 0.34

Q4 FY25 Beat +0.05

Q1 FY26 Beat +0.03

Q2 FY26 Miss −0.07

Q3 FY26 Beat +0.06

Q4 FY26 — Jan 26

Earnings per share against the consensus, by quarter
Quarter	Estimate	Reported	Result
Q4 FY25	0.21	0.26	Beat by 0.05
Q1 FY26	0.21	0.24	Beat by 0.03
Q2 FY26	0.25	0.18	Miss by 0.07
Q3 FY26	0.26	0.32	Beat by 0.06
Q4 FY26	0.26	—	Reports 26 January 2027

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.24	0.18	0.32	—	—
’25	0.11	0.23	0.16	0.26	0.75
’24	0.14	0.17	0.09	0.16	0.56
’23	0.24	0.13	0.21	0.12	0.70
’22	0.24	0.25	0.28	0.42	1.18
’21	0.24	0.24	0.27	0.28	1.02
’20	0.08	0.08	0.08	0.20	0.45

Fiscal quarters ending in the months shown.

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	34	34	35	—	—
’25	31	33	33	34	131
’24	29	31	31	32	123
’23	27	26	30	29	112
’22	22	23	24	29	99
’21	23	22	24	24	92
’20	23	22	23	24	92

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	7	—	—	—
’25	(1)	7	5	7	18
’24	1	2	3	6	12
’23	(6)	4	8	9	15
’22	7	1	11	17	37
’21	11	3	5	10	29
’20	12	0	5	8	25

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	6	—	—	—
’25	(1)	7	5	6	17
’24	1	2	3	5	11
’23	(6)	3	7	7	12
’22	7	1	11	16	36
’21	10	2	4	8	25
’20	11	(1)	4	7	22

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM Sep ’26	Trend	10 yrs	2026e	2027e	2028e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	55	83	88	92	92	92	99	112	123	131	137		+10.2%	78	84	78	(15.9%)
	Gross margin, %	79.32	82.26	78.49	73.71	79.98	92.78	93.25	70.35	59.25	63.00	66.43		(16.3) pt	Powerpack Western New England Bancorp’s next three years, line by line Analysts expect revenue to shrink 15.9% a year to 2028 — slower than the 10.2% of the last 9 years. See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	7	22	21	17	14	32	35	20	15	20	26		+11.5%
	EBT margin, %	13.57	26.35	23.93	18.73	15.37	34.33	34.89	17.48	12.19	15.09	18.97		+1.5 pt
	Net income	5	12	16	13	11	24	26	15	12	15	20		+13.6%
Per share, $
Per share, $	Revenue	2.77	2.76	3.05	3.51	3.68	3.98	4.54	5.20	5.87	6.49	6.95		+9.9%
	Earnings	0.25	0.41	0.57	0.51	0.45	1.02	1.18	0.70	0.56	0.76	1.00		+13.1%
	Cash flow	0.05	0.63	0.85	0.59	1.00	1.24	1.68	0.69	0.58	0.90	0.00		+38.8%
	Capex	(0.07)	(0.07)	(0.11)	(0.05)	(0.14)	(0.15)	(0.05)	(0.13)	(0.05)	(0.05)	0.00		(3.7%)
	Free cash flow	(0.03)	0.56	0.74	0.54	0.86	1.09	1.63	0.55	0.53	0.85	0.00		n/m
	Book value	12.10	8.28	8.21	8.86	9.05	9.63	10.43	11.02	11.29	12.26	12.44		+0.2%
	Shares, m	20	30	29	26	25	23	22	22	21	20	20		+0.3%
Valuation, ×
Valuation, ×	P/E	38.45	26.07	17.31	18.88	15.66	8.50	7.92	12.79	16.43	16.61	13.65		17.9
	P/S	3.38	3.96	3.29	2.75	1.87	2.20	2.08	1.72	1.57	1.94	1.96		2.5
	P/B	0.77	1.32	1.22	1.09	0.76	0.91	0.90	0.81	0.82	1.03	1.10		1.0
	EV/Sales	4.38	5.63	5.34	4.72	1.55	1.32	1.98	2.72	1.98	2.34	—		3.2
	EV/FCF	(444.83)	27.91	22.01	30.66	6.63	4.82	5.52	25.59	22.05	17.93	—		(28.2)
Cash, $m
Cash, $m	Operating cash flow	1	19	25	15	25	29	37	15	12	18	19		+39.2%
	Capex	(1)	(2)	(3)	(1)	(4)	(3)	(1)	(3)	(1)	(1)	(2)		(3.4%)
	Free cash flow	(1)	17	21	14	22	25	36	12	11	17	17		n/m
Balance, $m
Balance, $m	Working capital	(58)	2	62	79	(41)	(301)	(261)	(115)	(142)	(162)	(2,434)		+12.1%
	Net debt	55	138	181	181	(30)	(81)	(9)	112	51	52	(18)		(0.5%)
	Shareholders’ equity	238	247	237	232	227	224	228	237	236	248	245		+0.4%
Returns, %
Returns, %	ROA	0.28	0.59	0.78	0.62	0.49	0.97	1.02	0.59	0.45	0.57	0.73		+0.3 pt
	ROIC	2.44	3.62	3.15	2.60	4.49	13.91	9.90	3.51	3.25	4.12	7.15		+1.7 pt
	ROE	2.56	5.07	6.78	5.69	4.89	10.53	11.46	6.47	4.93	6.32	8.14		+3.8 pt
People
People	Employees	310	317	320	340	358	355	337	348	335	334	—		+0.8%
	Revenue/emp, $m	0.18	0.26	0.28	0.27	0.26	0.26	0.29	0.32	0.37	0.39	—		+9.3%

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
QNBC QNB Corp.	$291.4M	— (loss-making)	— (loss-making)	−74.89% (below 0%: shrinking)	n/m	+282.00% (above 0%: growing)	(90.91%)	0.00%	Compare
VABK Virginia National Bankshares Corporation	$288.7M	11.6×	17.8×	+24.86% (above 0%: growing)	+110.13% (above 0%: growing)	−47.94% (below 0%: shrinking)	77.48%	0.00%	Compare
BCBP BCB Bancorp, Inc. (NJ)	$280.8M	— (loss-making)	— (loss-making)	−11.64% (below 0%: shrinking)	n/m	−8.23% (below 0%: shrinking)	57.20%	0.00%	Compare
LCNB LCNB Corporation	$278.5M	11.2×	10.7×	−0.76% (below 0%: shrinking)	+4.08% (above 0%: growing)	+43.09% (above 0%: growing)	78.76%	0.00%	Compare
FXNC First National Corp.	$274.9M	12.7×	11.6×	+2.05% (above 0%: growing)	+14.29% (above 0%: growing)	+60.14% (above 0%: growing)	80.94%	0.00%	Compare
WNEB Western New England Bancorp	$271.3M	13.7×	14.0×	+6.03% (above 0%: growing)	+100.00% (above 0%: growing)	−9.46% (below 0%: shrinking)	67.88%	0.00%
FBLA FB Bancorp, Inc.	$268.4M	— (loss-making)	—	+8.80% (above 0%: growing)	n/m	+669.02% (above 0%: growing)	74.66%	0.00%	Compare
HWBK Hawthorn Bancshares, Inc.	$268.4M	10.5×	10.0×	+9.30% (above 0%: growing)	+20.45% (above 0%: growing)	+123.49% (above 0%: growing)	76.36%	0.00%	Compare
RMBI Richmond Mutual Bancorporation, Inc.	$262.8M	12.6×	16.7×	+4.69% (above 0%: growing)	−14.81% (below 0%: shrinking)	−35.05% (below 0%: shrinking)	58.15%	0.00%	Compare
Median of peers	$276.7M	11.6×	11.6×	+3.37%	+14.29%	+51.62%	75.51%	0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 3 April 2026

Chief executive’s pay

Year	Total pay	Actually paid	$100 invested
2025	1.86m	1.86m	147.81
2024	1.49m	1.38m	104.89
2023	1.42m	1.27m	98.93

Ownership

Directors and executive officers, together 6.56%

Dimensional Fund Advisors LP 8.04%

BlackRock, Inc. 7.07%

Employee Stock Ownership Plan Trust of Westfield Financial, Inc. 6.83%

Renaissance Technologies, LLC 5.93%

The Vanguard Group 5.56%

Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement