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WNEBWestern New England Bancorp, Inc.
$13.68$277M
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WNEB logoWestern New England Bancorp, Inc.(WNEB)Earnings, Financials & Key Ratios

WNEB•NASDAQ•Banking & Credit
18.2× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutWestern New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides a range of commercial and retail banking products and services to individuals and businesses. The company accepts various deposit accounts, including checking, business and municipal savings, money market and sweep, individual retirement, and other savings accounts; time deposits; certificates of deposit; and interest on lawyers trust accounts. It also offers residential and commercial real estate, commercial construction, working capital, equipment financing and term, home equity, and consumer loans; commercial and industrial loans, such as revolving lines of credit. In addition, the company provides automated teller machine (ATM), telephone and online banking, remote deposit capture, cash management, overdraft and safe deposit facility, and night deposit services. As of December 31, 2021, it operated through a network of 25 banking offices, 23 free-standing ATMs, and 35 seasonal or temporary ATMS located in Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield and Westfield, Massachusetts and Bloomfield, Enfield, Granby, and West Hartford, Connecticut. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. Western New England Bancorp, Inc. was founded in 1853 and is headquartered in Westfield, Massachusetts.Show more
  • Net Interest Income$70M+17.2%
  • Total Revenue$130M+5.8%
  • Net Income$15M+30.9%
  • Return on Equity6.32%+28.1%
  • Net Interest Margin2.56%+13.6%
  • Efficiency Ratio47.12%-1.0%
  • ROA0.57%+26.7%
  • Equity / Assets9.05%+1.8%
  • Book Value per Share12.26+9.2%

WNEB Key Insights

Western New England Bancorp, Inc. (WNEB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 47.1% efficiency ratio
  • ✓Healthy dividend yield of 2.1%
  • ✓Share count reduced 3.9% through buybacks
  • ✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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WNEB Price & Volume

Western New England Bancorp, Inc. (WNEB) stock price & volume — 10-year historical chart

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WNEB Growth Metrics

Western New England Bancorp, Inc. (WNEB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.32%
5 Years7.1%
3 Years9.36%
TTM-

Profit CAGR

10 Years10.33%
5 Years6.37%
3 Years-16.14%
TTM30.88%

EPS CAGR

10 Years8.56%
5 Years10.76%
3 Years-14.02%
TTM35.47%

Return on Capital

10 Years5.69%
5 Years7.49%
3 Years4.89%
Last Year5.17%

WNEB Recent Earnings

Western New England Bancorp, Inc. (WNEB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (67%)●Beat Revenue 9/12 qtrs (100%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$0.24+14.3%
$0.21
Rev
$22M+1.4%
$22M
Q2 2026
Mar 10, 2026
Metric
Actual
Est
EPS
$0.26
—
Rev
$34M
—
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$0.26+23.8%
$0.21
Rev
$22M+17.3%
$19M
Q4 2025
Oct 28, 2025
Metric
Actual
Est
EPS
$0.16-15.8%
$0.19
Rev
$21M+16.7%
$18M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.24vs $0.21+14.3%
$22Mvs $22M+1.4%
Q2 2026Mar 10, 2026
$0.26
$34M
Q1 2026Jan 27, 2026
$0.26vs $0.21+23.8%
$22Mvs $19M+17.3%
Q4 2025Oct 28, 2025
$0.16vs $0.19-15.8%
$21Mvs $18M+16.7%
Based on last 12 quarters of dataView full earnings history →

WNEB Peer Comparison

Western New England Bancorp, Inc. (WNEB) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
FUNC logoFUNCFirst United CorporationDirect Competitor276.83M42.5811.296.6%20.51%12.61%0.56
NECB logoNECBNortheast Community Bancorp, Inc.Direct Competitor356.09M25.747.92-1.55%28.41%13.07%0.21
CFFI logoCFFIC&F Financial CorporationDirect Competitor255.12M78.369.4511.78%14.6%10.82%0.44
CTBI logoCTBICommunity Trust Bancorp, Inc.Product Competitor1.23B68.3512.598.86%23.96%11.96%0.46
FXNC logoFXNCFirst National CorporationProduct Competitor265.44M29.3614.9827.11%15.35%9.98%0.23
SRCE logoSRCE1st Source CorporationProduct Competitor1.87B76.9111.915.2%27.72%12.39%0.26
MNSB logoMNSBMainStreet Bancshares, Inc.Product Competitor175.75M23.8613.56-1.44%11.53%7.26%0.32

Compare WNEB vs Peers

Western New England Bancorp, Inc. (WNEB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for WNEB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare WNEB against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, FUNC, NECB, CFFI

WNEB Income Statement

Western New England Bancorp, Inc. (WNEB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
59.39M60.01M57.98M64.43M73.18M79.23M67.91M59.82M70.1M
NII Growth %
59.18%1.04%-3.39%11.13%13.58%8.27%-14.29%-11.92%17.19%
Net Interest Margin %
2.85%2.83%2.66%2.72%2.88%3.1%2.65%2.25%2.56%
Interest Income
74.04M78.99M82.12M82.88M79.85M85.93M101.12M109.83M118.62M
Interest Expense
14.64M18.98M24.14M18.45M6.67M6.7M33.21M50.02M48.52M
Loan Loss Provision
1.36M1.9M2.67M7.78M-925K700K872K-665K820K
Non-Interest Income
8.5M9.23M9.71M9.25M12.56M13.33M10.9M12.91M11.21M
Non-Interest Income %
10.3%10.47%10.57%10.04%13.6%13.43%9.73%10.52%8.63%
Total Revenue
82.54M▲ 0%
88.22M▲ 6.9%
91.82M▲ 4.1%
92.13M▲ 0.3%
92.41M▲ 0.3%
99.26M▲ 7.4%
112.02M▲ 12.9%
122.74M▲ 9.6%
129.83M▲ 5.8%
Revenue Growth %
48.76%6.89%4.08%0.33%0.31%7.41%12.85%9.57%5.77%
Non-Interest Expense
44.79M46.24M47.81M51.75M54.94M57.23M58.35M58.43M61.18M
Efficiency Ratio
54.26%52.41%52.07%56.17%59.45%57.66%52.09%47.61%47.12%
Operating Income
21.75M▲ 0%
21.11M▼ 2.9%
17.2M▼ 18.5%
14.16M▼ 17.7%
31.72M▲ 124.1%
34.63M▲ 9.2%
19.58M▼ 43.4%
14.96M▼ 23.6%
19.3M▲ 29.0%
Operating Margin %
26.35%23.93%18.73%15.37%34.33%34.89%17.48%12.19%14.87%
Operating Income Growth %
193.77%-2.94%-18.51%-17.7%124.1%9.16%-43.45%-23.6%29.02%
Pretax Income
21.75M▲ 0%
21.11M▼ 2.9%
17.2M▼ 18.5%
14.16M▼ 17.7%
31.72M▲ 124.1%
34.63M▲ 9.2%
19.58M▼ 43.4%
14.96M▼ 23.6%
19.79M▲ 32.3%
Pretax Margin %
26.35%23.93%18.73%15.37%34.33%34.89%17.48%12.19%15.24%
Income Tax
9.43M4.7M3.85M2.94M8.03M8.74M4.52M3.29M4.52M
Effective Tax Rate %
43.35%22.27%22.39%20.78%25.3%25.24%23.06%22%22.84%
Net Income
12.32M▲ 0%
16.41M▲ 33.2%
13.35M▼ 18.6%
11.21M▼ 16.0%
23.7M▲ 111.3%
25.89M▲ 9.2%
15.07M▼ 41.8%
11.67M▼ 22.6%
15.27M▲ 30.9%
Net Margin %
14.93%18.6%14.54%12.17%25.64%26.08%13.45%9.5%11.76%
Net Income Growth %
154.86%33.18%-18.64%-15.99%111.32%9.23%-41.79%-22.58%30.88%
Net Income (Continuing)
12.32M16.41M13.35M11.21M23.7M25.89M15.07M11.67M15.27M
EPS (Diluted)
0.41▲ 0%
0.57▲ 39.0%
0.51▼ 10.5%
0.45▼ 11.8%
1.02▲ 126.7%
1.18▲ 15.7%
0.70▼ 40.7%
0.56▼ 20.0%
0.75▲ 33.9%
EPS Growth %
70.83%39.02%-10.53%-11.76%126.67%15.69%-40.68%-20%33.93%
EPS (Basic)
0.410.570.510.451.021.180.700.560.76
Diluted Shares Outstanding
30.03M29.03M26.3M25.06M23.3M21.94M21.61M21.02M20.21M

WNEB Balance Sheet

Western New England Bancorp, Inc. (WNEB) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
315.23M279.29M250.81M286.34M292.91M175.69M162.96M217.89M43.15M
Cash & Due from Banks
26.81M25.54M23.11M84.46M98.56M28.69M25.85M57.19M38.15M
Short Term Investments
288.42M253.75M227.71M201.88M194.35M147M137.12M160.7M5M
Total Investments
1.91B1.94B2B2.12B2.27B2.35B2.37B2.42B2.53B
Investments Growth %
2.79%1.92%2.64%6.2%7.23%3.58%0.55%2.07%4.62%
Long-Term Investments
1.62B1.69B1.77B1.92B2.08B2.21B2.23B2.26B2.52B
Accounts Receivables
5.95M5.65M5.31M8.48M7.78M8.14M8.53M8.47M8.78M
Goodwill & Intangibles
16.55M16.18M15.8M15.42M15.05M14.68M14.3M13.93M13.55M
Goodwill
12.49M12.49M12.49M12.49M12.49M12.49M12.49M12.49M12.49M
Intangible Assets
4.06M3.69M3.31M2.94M2.56M2.19M1.81M1.44M1.06M
PP&E (Net)
23.5M24.62M23.76M25.1M26.16M24.95M25.57M24.42M23.34M
Other Assets
93.21M92M107.96M99.76M105.34M106.79M108.95M118.3M111.41M
Total Current Assets
321.17M284.94M256.13M294.81M300.68M183.83M171.49M226.36M51.93M
Total Non-Current Assets
1.76B1.83B1.93B2.07B2.24B2.37B2.39B2.43B2.68B
Total Assets
2.08B▲ 0%
2.12B▲ 1.7%
2.18B▲ 3.0%
2.37B▲ 8.5%
2.54B▲ 7.3%
2.55B▲ 0.6%
2.56B▲ 0.4%
2.65B▲ 3.5%
2.74B▲ 3.1%
Asset Growth %
0.34%1.72%2.96%8.45%7.29%0.58%0.45%3.45%3.14%
Return on Assets (ROA)
0.59%0.78%0.62%0.49%0.97%1.02%0.59%0.45%0.57%
Accounts Payable
000000000
Total Debt
309.44M267.27M240.51M57.85M22.29M62.2M156.46M123.14M106.06M
Net Debt
282.63M241.72M217.41M-26.61M-76.27M33.51M130.61M65.95M67.92M
Long-Term Debt
164.79M208.02M205.51M57.85M22.29M20.85M140.36M117.75M92.79M
Short-Term Debt
144.65M59.25M35M0041.35M16.1M5.39M13.27M
Other Liabilities
20.27M18.53M31.07M37.98M35.55M33.36M26.96M31.39M21.88M
Total Current Liabilities
1.65B1.66B1.71B2.04B2.26B2.27B2.16B2.27B2.37B
Total Non-Current Liabilities
185.06M226.55M236.59M95.83M57.84M54.21M167.32M149.14M114.67M
Total Liabilities
1.84B1.88B1.95B2.14B2.31B2.33B2.33B2.42B2.49B
Total Equity
247.28M▲ 0%
237.03M▼ 4.1%
232.02M▼ 2.1%
226.64M▼ 2.3%
223.69M▼ 1.3%
228.14M▲ 2.0%
237.41M▲ 4.1%
235.91M▼ 0.6%
247.64M▲ 5.0%
Equity Growth %
3.73%-4.15%-2.11%-2.32%-1.3%1.99%4.06%-0.63%4.97%
Equity / Assets (Capital Ratio)
11.87%11.19%10.64%9.58%8.81%8.94%9.26%8.89%9.05%
Return on Equity (ROE)
5.07%6.78%5.69%4.89%10.53%11.46%6.47%4.93%6.32%
Book Value per Share
8.248.178.829.049.6010.4010.9911.2312.26
Tangible BV per Share
7.687.618.228.438.959.7310.3210.5611.58
Common Stock
305K284K266K253K227K222K217K209K204K
Additional Paid-in Capital
203.53M182.1M164.25M154.55M132.82M128.9M125.45M119.33M114.52M
Retained Earnings
62.58M74.11M82.18M88.35M107.38M127.98M136.99M142.75M152.3M
Accumulated OCI
-12.55M-13.42M-8.97M-11.28M-12.31M-25.04M-21.74M-23.27M-16.72M
Treasury Stock
000000000
Preferred Stock
000000000

WNEB Cash Flow Statement

Western New England Bancorp, Inc. (WNEB) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
18.86M24.64M15.38M25.07M28.79M36.77M14.77M12.17M18.21M
Operating CF Growth %
1928.06%30.63%-37.58%63%14.86%27.7%-59.82%-17.62%49.65%
Net Income
12.32M16.41M13.35M11.21M23.7M25.89M15.07M11.67M15.27M
Depreciation & Amortization
2.34M2.43M2.46M2.52M2.7M2.69M2.59M2.6M2.48M
Deferred Taxes
7.34M-796K-680K-2.43M644K1.09M191K178K-1M
Other Non-Cash Items
283K1.06M3.2M6.47M290K1.83M176K-1.14M472K
Working Capital Changes
-5.03M3.73M-4.55M5.91M-525K3.52M-5.24M-3.18M-94K
Cash from Investing
-55.97M-45.74M-48.08M-123.56M-162.91M-111.87M-13.71M-46.59M-113.61M
Purchase of Investments
-67.25M-16.9M-74.51M-158.98M-296.58M-33.03M-7.9M-34.05M-31.8M
Sale/Maturity of Investments
76.37M37.53M107.54M181.09M73.66M48.45M32.37M33.83M16.26M
Net Investment Activity
9.12M20.63M33.03M22.11M-222.93M15.41M24.48M-219K-15.54M
Acquisitions
000000000
Other Investing
-62.88M-63.05M-79.83M-142.09M63.47M-126.15M-35.28M-45.18M-98.07M
Cash from Financing
-5.99M20.76M30.65M161.19M150.13M1.99M-2.57M72.03M69.33M
Dividends Paid
-3.58M-4.64M-5.27M-5.04M-4.68M-5.28M-6.07M-5.91M-5.71M
Share Repurchases
-9.31M-22.92M-19.45M-10.52M-23.28M-6.35M-5.02M-7.6M-6.1M
Stock Issued
5.46M114K106K43K193K0000
Net Stock Activity
-3.85M-22.81M-19.35M-10.48M-23.09M-6.35M-5.02M-7.6M-6.1M
Debt Issuance (Net)
1000K-1000K-1000K-1000K-1000K1000K1000K-1000K-1000K
Other Financing
-5.63M90.3M82.05M360.31M213.52M-26.26M-85.7M118.9M98.26M
Net Change in Cash
-43.1M▲ 0%
-343K▲ 99.2%
-2.05M▼ 497.1%
62.7M▲ 3161.7%
16.01M▼ 74.5%
-73.11M▼ 556.6%
-1.5M▲ 97.9%
37.61M▲ 2604.0%
-26.07M▼ 169.3%
Exchange Rate Effect
000000000
Cash at Beginning
70.23M27.13M26.79M24.74M87.44M103.46M30.34M28.84M66.45M
Cash at End
27.13M26.79M24.74M87.44M103.46M30.34M28.84M66.45M40.38M
Interest Paid
000000000
Income Taxes Paid
000000000
Free Cash Flow
16.65M▲ 0%
21.31M▲ 28.0%
14.09M▼ 33.9%
21.49M▲ 52.4%
25.34M▲ 17.9%
35.63M▲ 40.6%
11.87M▼ 66.7%
10.97M▼ 7.6%
17.14M▲ 56.2%
FCF Growth %
3089.05%28%-33.87%52.45%17.92%40.62%-66.68%-7.56%56.19%

WNEB Banking Ratios

Western New England Bancorp, Inc. (WNEB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
2.56%5.07%6.78%5.69%4.89%10.53%11.46%6.47%4.93%6.32%
Return on Assets (ROA)
0.28%0.59%0.78%0.62%0.49%0.97%1.02%0.59%0.45%0.57%
Net Interest Margin
1.8%2.85%2.83%2.66%2.72%2.88%3.1%2.65%2.25%2.56%
Efficiency Ratio
65.28%54.26%52.41%52.07%56.17%59.45%57.66%52.09%47.61%47.12%
Equity / Assets
11.48%11.87%11.19%10.64%9.58%8.81%8.94%9.26%8.89%9.05%
Book Value / Share
12.048.248.178.829.049.610.410.9911.2312.26
NII Growth
17.77%59.18%1.04%-3.39%11.13%13.58%8.27%-14.29%-11.92%17.19%
Dividend Payout
50.46%29.05%28.29%39.51%44.91%19.73%20.4%40.26%50.69%37.41%
Related:WNEB Dividend History·WNEB Revenue History·WNEB Price History·WNEB P/E History·WNEB Financial Ratios·WNEB Institutional Holders

WNEB SEC Filings & Documents

Western New England Bancorp, Inc. (WNEB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Feb 27, 2026·SEC

Material company update

Jan 27, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 10, 2026·SEC

FY 2025

Mar 10, 2025·SEC

FY 2024

Mar 8, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

WNEB Frequently Asked Questions

Western New England Bancorp, Inc. (WNEB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Western New England Bancorp, Inc. (WNEB) grew revenue by 5.8% over the past year. This is steady growth.

Yes, Western New England Bancorp, Inc. (WNEB) is profitable, generating $15.3M in net income for fiscal year 2025 (11.8% net margin).

Dividend & Returns

Yes, Western New England Bancorp, Inc. (WNEB) pays a dividend with a yield of 2.07%. This makes it attractive for income-focused investors.

Western New England Bancorp, Inc. (WNEB) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.

Industry Metrics

Western New England Bancorp, Inc. (WNEB) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

Western New England Bancorp, Inc. (WNEB) has an efficiency ratio of 47.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in WNEB back in 2000?

Total return calculator · dividends reinvested · 26+ years of data

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How much would $100/month in WNEB be worth today?

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