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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

13.75 0.07 +0.51%
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
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

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% (above 0%: growing)
Operating income growth Q +99.28% (above 0%: growing)
EPS, this year +27.56% (at or above 15%: strong)
EPS, next year A +11.85%
Revenue, next year A −40.50% (below 0%: weak)
EPS, past 5 yrs +10.76%
EPS, next 5 yrs A +15.98% (at or above 15%: strong)

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
  1. 0.16 ’18
  2. 0.20 ’19 +25
  3. 0.20 ’20 +0
  4. 0.20 ’21 +0
  5. 0.24 ’22 +20
  6. 0.28 ’23 +17
  7. 0.28 ’24 +0
  8. 0.28 ’25 +0
  9. 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

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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
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
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

Western New England Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

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

Western New England Bancorp (WNEB) Latest News

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stockrow.com/WNEB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com