Western New England Bancorp, Inc. (WNEB) Financial Ratios
26 years of historical data (2000–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
16.28
↑+48% vs avg
5yr avg: 10.97
30Y Low3.7·High63.1
P/FCF
↑
16.17
↑+29% vs avg
5yr avg: 12.55
30Y Low5.8·High74.6
P/B Ratio
↑
1.12
↑+24% vs avg
5yr avg: 0.90
30Y Low0.8·High2.2
ROE
↓
6.3%
↑-20% vs avg
5yr avg: 7.9%
30Y Low1%·High11%
Debt/EBITDA
↑
5.00
+17% vs avg
5yr avg: 4.28
30Y Low0.6·High36.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
WNEB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Western New England Bancorp, Inc. trades at 18.2x earnings, 45% above its 5-year average of 12.5x, sitting at the 29th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 34%. On a free-cash-flow basis, the stock trades at 16.2x P/FCF, 29% above the 5-year average of 12.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $277M | $255M | $193M | $194M | $208M | $204M | $173M | $253M | $291M | $327M | $185M |
| Enterprise Value | $345M | $323M | $259M | $325M | $241M | $128M | $146M | $471M | $533M | $610M | $416M |
| P/E Ratio → | 18.24 | 16.83 | 16.43 | 12.86 | 8.02 | 8.59 | 15.31 | 18.88 | 17.61 | 26.59 | 38.96 |
| P/S Ratio | 2.13 | 1.96 | 1.58 | 1.74 | 2.09 | 2.21 | 1.87 | 2.76 | 3.30 | 3.97 | 3.34 |
| P/B Ratio | 1.12 | 1.03 | 0.82 | 0.82 | 0.91 | 0.91 | 0.76 | 1.09 | 1.23 | 1.32 | 0.78 |
| P/FCF | 16.17 | 14.88 | 17.62 | 16.38 | 5.83 | 8.06 | 8.04 | 17.97 | 13.68 | 19.66 | — |
| P/OCF | 15.22 | 14.00 | 15.89 | 13.17 | 5.64 | 7.09 | 6.89 | 16.47 | 11.83 | 17.35 | 199.07 |
P/E links to full P/E history page with 30-year chart
WNEB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Western New England Bancorp, Inc.'s enterprise value stands at 16.3x EBITDA, 48% above its 5-year average of 11.0x. The Financial Services sector median is 11.4x, placing the stock at a 43% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.49 | 2.11 | 2.90 | 2.43 | 1.38 | 1.59 | 5.13 | 6.04 | 7.39 | 7.51 |
| EV / EBITDA | 16.28 | 15.24 | 14.76 | 14.66 | 6.46 | 3.71 | 8.76 | 23.95 | 22.65 | 25.32 | 46.77 |
| EV / EBIT | 17.87 | 16.73 | 17.34 | 16.60 | 6.96 | 4.03 | 10.32 | 27.37 | 25.26 | 28.04 | 56.26 |
| EV / FCF | — | 18.84 | 23.63 | 27.39 | 6.77 | 5.05 | 6.80 | 33.40 | 25.02 | 36.63 | — |
WNEB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Western New England Bancorp, Inc. earns an operating margin of 14.9%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 17.5% to 14.9% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 6.3% is modest, trailing the sector median of 9.0%. ROIC of 4.1% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 62.0% | 62.0% | 59.8% | 69.6% | 92.5% | 93.8% | 71.5% | 70.8% | 76.3% | 80.6% | 78.6% |
| Operating Margin | 14.9% | 14.9% | 12.2% | 17.5% | 34.9% | 34.3% | 15.4% | 18.7% | 23.9% | 26.3% | 13.3% |
| Net Profit Margin | 11.8% | 11.8% | 9.5% | 13.5% | 26.1% | 25.6% | 12.2% | 14.5% | 18.6% | 14.9% | 8.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.3% | 6.3% | 4.9% | 6.5% | 11.5% | 10.5% | 4.9% | 5.7% | 6.8% | 5.1% | 2.6% |
| ROA | 0.6% | 0.6% | 0.4% | 0.6% | 1.0% | 1.0% | 0.5% | 0.6% | 0.8% | 0.6% | 0.3% |
| ROIC | 4.1% | 4.1% | 3.0% | 4.3% | 9.7% | 9.0% | 2.8% | 2.6% | 3.0% | 3.0% | 1.2% |
| ROCE | 5.2% | 5.2% | 3.8% | 5.7% | 12.3% | 10.5% | 3.6% | 3.7% | 4.7% | 5.3% | 2.1% |
WNEB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Western New England Bancorp, Inc. carries a Debt/EBITDA ratio of 5.0x, which is highly leveraged (17% above the sector average of 4.3x). Net debt stands at $68M ($106M total debt minus $38M cash). Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.52 | 0.66 | 0.27 | 0.10 | 0.26 | 1.04 | 1.13 | 1.25 | 1.25 |
| Debt / EBITDA | 5.00 | 5.00 | 7.01 | 7.05 | 1.67 | 0.65 | 3.47 | 12.24 | 11.35 | 12.85 | 33.37 |
| Net Debt / Equity | — | 0.27 | 0.28 | 0.55 | 0.15 | -0.34 | -0.12 | 0.94 | 1.02 | 1.14 | 0.97 |
| Net Debt / EBITDA | 3.20 | 3.20 | 3.75 | 5.89 | 0.90 | -2.22 | -1.60 | 11.06 | 10.27 | 11.73 | 25.98 |
| Debt / FCF | — | 3.96 | 6.01 | 11.00 | 0.94 | -3.01 | -1.24 | 15.43 | 11.34 | 16.98 | — |
| Interest Coverage | 0.40 | 0.40 | 0.30 | 0.59 | 5.17 | 4.75 | 0.77 | 0.71 | 1.11 | 1.49 | 0.66 |
WNEB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.02x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.08x to 0.02x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.02 | 0.02 | 0.10 | 0.08 | 0.08 | 0.13 | 0.14 | 0.15 | 0.17 | 0.19 | 0.22 |
| Quick Ratio | 0.02 | 0.02 | 0.10 | 0.08 | 0.08 | 0.13 | 0.14 | 0.15 | 0.17 | 0.19 | 0.22 |
| Cash Ratio | 0.02 | 0.02 | 0.03 | 0.01 | 0.01 | 0.04 | 0.04 | 0.01 | 0.02 | 0.02 | 0.04 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
WNEB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Western New England Bancorp, Inc. returns 4.3% to shareholders annually — split between a 2.1% dividend yield and 2.2% buyback yield. The payout ratio of 37.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 5.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.1% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 37.4% | 37.4% | 50.7% | 40.3% | 20.4% | 19.7% | 44.9% | 39.5% | 28.3% | 29.1% | 50.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.5% | 5.9% | 6.1% | 7.8% | 12.5% | 11.6% | 6.5% | 5.3% | 5.7% | 3.8% | 2.6% |
| FCF Yield | 6.2% | 6.7% | 5.7% | 6.1% | 17.2% | 12.4% | 12.4% | 5.6% | 7.3% | 5.1% | — |
| Buyback Yield | 2.2% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 4.3% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $20M | $21M | $22M | $22M | $23M | $25M | $26M | $29M | $30M | $20M |
Peer Comparison
Compare WNEB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 WNEBYou | $277M | 18.2 | 16.3 | 16.2 | 62.0% | 14.9% | 6.3% | 4.1% | 5.0 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FUNC | $277M | 11.3 | 8.0 | 18.0 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 NECB | $356M | 7.9 | 5.5 | 7.0 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 CFFI | $255M | 9.5 | 10.8 | 11.5 | 69.5% | 17.8% | 11.0% | 6.8% | 3.5 |
 CTBI | $1B | 12.6 | 11.9 | 12.7 | 66.7% | 31.0% | 12.2% | 8.2% | 3.0 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 SRCE | $2B | 11.9 | 10.0 | 8.8 | 70.3% | 34.2% | 12.7% | 9.7% | 1.6 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $26B | 7.5 | 6.1 | 5.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 26 years · Updated daily
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WNEB — Frequently Asked Questions
Quick answers to the most common questions about buying WNEB stock.
What is Western New England Bancorp, Inc.'s P/E ratio?
Western New England Bancorp, Inc.'s current P/E ratio is 18.2x. The historical average is 37.6x. This places it at the 29th percentile of its historical range.
What is Western New England Bancorp, Inc.'s EV/EBITDA?
Western New England Bancorp, Inc.'s current EV/EBITDA is 16.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 30.2x.
What is Western New England Bancorp, Inc.'s ROE?
Western New England Bancorp, Inc.'s return on equity (ROE) is 6.3%. The historical average is 4.7%.
Is WNEB stock overvalued?
Based on historical data, Western New England Bancorp, Inc. is trading at a P/E of 18.2x. This is at the 29th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Western New England Bancorp, Inc.'s dividend yield?
Western New England Bancorp, Inc.'s current dividend yield is 2.07% with a payout ratio of 37.4%.
What are Western New England Bancorp, Inc.'s profit margins?
Western New England Bancorp, Inc. has 62.0% gross margin and 14.9% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Western New England Bancorp, Inc. have?
Western New England Bancorp, Inc.'s Debt/EBITDA ratio is 5.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.