Western New England Bancorp, Inc. (WNEB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 74 | 86 | 93 | 79 | 73 | 81 | 60 | - |
| Operating profit | $m | 19 | 10 | ||||||
| Net profit | $m | 11 | 24 | 26 | 15 | 12 | 15 | 17 | 19 |
| EPS reported | $ | 0.75 | 0.84 | ||||||
| Operating cashflow per share | $ | 0.91 | 0.99 | ||||||
| Capex per share | $ | 0.05 | 0.05 | ||||||
| FCF per share | $ | 0.85 | 0.94 | ||||||
| Free cash flow | $m | 17 | 17 | ||||||
| Net debt | $m | 63 | 25 | ||||||
| Book value equity | $m | 248 | 248 | ||||||
| Book value per share | $ | 12.26 | 12.43 | ||||||
| Number of shares | m | 20.21 | 19.98 | ||||||
| DPS (TTM paid) | $ | 0.28 | 0.28 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 16.83 | 16.63 | ||||||
| P/B LTM | x | 1.02 | 1.02 | ||||||
| P/S LTM | x | 3.11 | 4.23 | ||||||
| P/FCF LTM | x | 14.77 | 14.72 | ||||||
| EV/EBITDA LTM | x | 15.15 | 27.84 | ||||||
| EV/Sales LTM | x | 2.47 | 2.83 | ||||||
| Earnings Yield LTM | % | +5.94% | +6.01% | ||||||
| FCF Yield | % | +6.77% | +6.79% | ||||||
| Quality | |||||||||
| ROE | % | +6.17% | +6.78% | ||||||
| ROIC | % | +3.97% | +0.29% | ||||||
| Operating margin | % | +14.87% | +9.70% | ||||||
| Gross margin | % | +61.99% | +54.90% | ||||||
| FCF/Sales | % | +13.20% | +17.57% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +33.93% | +50.00% | ||||||
| Sales Growth YoY | % | +11.80% | -17.68% | ||||||
| Net Income Growth YoY | % | +30.88% | +43.59% | ||||||
| FCF Growth | % | +56.19% | +56.71% | ||||||
| Operating Profit Growth | % | +29.02% | -30.99% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.26% | +2.04% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +37.69% | +24.90% | ||||||
| FCF/Debt | x | 0.16 | 0.27 | ||||||
| Net Debt/EBITDA | x | 3.20 | 2.16 | ||||||
| EBIT/Net interest | x | 0.40 | 0.22 | ||||||
| Net debt/market cap | % | +41.89% | +22.60% | ||||||
| Net debt/Equity | x | 0.25 | 0.10 | ||||||
| Gross debt/equity | x | 0.43 | 0.25 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Western New England Bancorp, Inc. (WNEB) functions as the parent entity for Westfield Bank, which delivers a comprehensive suite of commercial and retail banking solutions designed for both individual clients and businesses. The bank offers various options for customers to hold their funds, including checking accounts, diverse savings accounts (such as those for businesses, municipalities, money market, sweep, and individual retirement plans), as well as time deposits, certificates of deposit, and interest on lawyers trust accounts. WNEB also provides a wide range of lending products. These encompass financing for residential and commercial real estate, commercial construction, working capital, equipment acquisition, and term loans. Additionally, it offers home equity and consumer loans, alongside commercial and industrial loans, which feature options like revolving lines of credit. Beyond these core services, the company facilitates transactions through automated teller machines (ATMs), telephone and online banking platforms, remote deposit capture, and cash management solutions. Other conveniences include overdraft protection, safe deposit box facilities, and night deposit services. As of December 31, 2021, its operational footprint included 25 brick-and-mortar banking locations, supported by 23 permanent standalone ATMs and 35 seasonal or temporary ATMs. These facilities are strategically placed throughout various communities in Massachusetts (namely Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield, and Westfield) and Connecticut (including Bloomfield, Enfield, Granby, and West Hartford). The corporation was formerly recognized as Westfield Financial, Inc. before officially changing its name to Western New England Bancorp, Inc. in October 2016. WNEB was founded in 1853 and maintains its headquarters in Westfield, Massachusetts.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Western New England Bancorp, Inc. (WNEB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Western New England Bancorp, Inc. (WNEB) functions as the parent entity for Westfield Bank, which delivers a comprehensive suite of commercial and retail banking solutions designed for both individual clients and businesses. The bank offers various options for customers to hold their funds, including checking accounts, diverse savings accounts (such as those for businesses, municipalities, money market, sweep, and individual retirement plans), as well as time deposits, certificates of deposit, and interest on lawyers trust accounts. WNEB also provides a wide range of lending products. These encompass financing for residential and commercial real estate, commercial construction, working capital, equipment acquisition, and term loans. Additionally, it offers home equity and consumer loans, alongside commercial and industrial loans, which feature options like revolving lines of credit. Beyond these core services, the company facilitates transactions through automated teller machines (ATMs), telephone and online banking platforms, remote deposit capture, and cash management solutions. Other conveniences include overdraft protection, safe deposit box facilities, and night deposit services. As of December 31, 2021, its operational footprint included 25 brick-and-mortar banking locations, supported by 23 permanent standalone ATMs and 35 seasonal or temporary ATMs. These facilities are strategically placed throughout various communities in Massachusetts (namely Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield, and Westfield) and Connecticut (including Bloomfield, Enfield, Granby, and West Hartford). The corporation was formerly recognized as Westfield Financial, Inc. before officially changing its name to Western New England Bancorp, Inc. in October 2016. WNEB was founded in 1853 and maintains its headquarters in Westfield, Massachusetts.
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