Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Western New England Bancorp, Inc.'s quarterly P/E stands at 12.1x, down 15.6% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 18.24 | 12.13 | 18.77 | 10.03 | 21.14 | 14.37 | 23.35 | 10.12 | 13.70 | 18.75 | 7.73 | 11.23 | 8.55 |
| — | -15.6% | -19.6% | -0.8% | +54.3% | -23.3% | +202.2% | -9.9% | +60.2% | +233.0% | +6.4% | +50.5% | -8.2% | |
| P/S Ratio | 2.13 | 1.89 | 1.87 | 1.45 | 1.53 | 1.41 | 1.47 | 1.21 | 1.39 | 1.63 | 1.21 | 1.22 | 1.67 |
| — | +33.8% | +27.2% | +19.4% | +9.8% | -13.4% | +20.7% | -0.6% | -16.8% | -7.2% | -33.3% | -30.5% | -24.7% | |
| P/B Ratio | 1.12 | 1.03 | 1.00 | 0.78 | 0.80 | 0.81 | 0.74 | 0.62 | 0.69 | 0.81 | 0.61 | 0.54 | 0.76 |
| — | +27.6% | +34.9% | +27.2% | +16.0% | -0.5% | +21.3% | +14.0% | -9.5% | -10.0% | -27.3% | -29.2% | -15.5% | |
| P/FCF | 16.17 | 9.23 | 11.43 | 7.03 | — | 9.09 | 15.29 | 22.03 | 34.80 | 6.45 | 5.07 | 9.17 | — |
| — | +1.6% | -25.2% | -68.1% | — | +40.9% | +201.3% | +140.3% | — | +103.1% | +28.0% | -77.3% | — | |
| EV / EBITDA | 16.28 | 13.17 | 14.98 | 8.35 | 14.37 | 12.75 | 21.34 | 12.62 | 16.50 | 18.85 | 9.64 | 14.88 | 10.00 |
| — | +3.2% | -29.8% | -33.8% | -12.9% | -32.4% | +121.3% | -15.2% | +64.9% | +310.2% | +69.3% | +233.3% | +93.5% | |
| EV / EBIT | 17.87 | 13.17 | 17.17 | 9.23 | 17.46 | 14.69 | 26.77 | 14.51 | 19.34 | 22.33 | 10.74 | 17.63 | 10.95 |
| — | -10.4% | -35.9% | -36.4% | -9.7% | -34.2% | +149.3% | -17.7% | +76.7% | +361.1% | +73.7% | +262.1% | +93.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Western New England Bancorp, Inc.'s operating margin was 18.2% in Q4 2025, up 5.3 pp QoQ and up 5.2 pp YoY. The trailing four-quarter average of 14.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 62.0% | 65.3% | 59.4% | 64.9% | 58.2% | 62.7% | 53.7% | 59.9% | 63.4% | 62.4% | 65.9% | 67.6% | 82.2% |
| — | +4.0% | +10.6% | +8.4% | -8.3% | +0.5% | -18.6% | -11.4% | -22.8% | -30.8% | -27.7% | -27.6% | -14.7% | |
| Operating Margin | 14.9% | 18.2% | 12.9% | 18.6% | 9.5% | 13.0% | 8.3% | 14.3% | 12.9% | 12.3% | 19.1% | 13.4% | 26.2% |
| — | +40.4% | +54.9% | +30.1% | -26.5% | +5.5% | -56.4% | +6.6% | -50.6% | -71.0% | -40.9% | -57.7% | -16.7% | |
| Net Margin | 11.8% | 15.5% | 9.7% | 14.2% | 7.4% | 9.8% | 6.3% | 11.7% | 10.1% | 8.5% | 15.5% | 10.7% | 19.9% |
| — | +58.3% | +54.9% | +21.1% | -27.0% | +14.6% | -59.5% | +9.7% | -49.3% | -72.4% | -37.1% | -54.9% | -16.5% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.3% | 2.1% | 1.3% | 1.9% | 1.0% | 1.4% | 0.8% | 1.5% | 1.3% | 1.1% | 1.9% | 1.2% | 2.3% |
| — | +53.7% | +64.3% | +29.3% | -22.3% | +28.7% | -58.7% | +25.8% | -45.6% | -73.9% | -31.3% | -53.6% | -4.3% | |
| ROA | 0.6% | 0.2% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.1% | 0.2% |
| — | +53.3% | +59.5% | +24.0% | -25.7% | +27.4% | -58.2% | +26.7% | -44.3% | -72.3% | -25.0% | -50.0% | -0.7% | |
| ROIC | 4.1% | 1.3% | 0.9% | 1.3% | 0.6% | 0.9% | 0.5% | 0.8% | 0.7% | 0.7% | 1.1% | 0.7% | 1.6% |
| — | +47.2% | +79.7% | +51.5% | -14.9% | +24.1% | -55.6% | +21.4% | -53.2% | -79.4% | -54.4% | -70.5% | -28.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Western New England Bancorp, Inc.'s Debt/EBITDA ratio is 17.3x, down from 25.1x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 78.1% YoY to 0.02x, tightening the short-term liquidity position. Debt/Equity has declined for 7 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.50 | 0.51 | 0.51 | 0.52 | 0.63 | 0.65 | 0.64 | 0.66 | 0.65 | 0.63 | 0.64 |
| — | -17.9% | -21.7% | -22.2% | -20.1% | -20.8% | -2.4% | +3.3% | +0.2% | +141.7% | +224.3% | +428.0% | +559.9% | |
| Debt / EBITDA | 5.00 | 17.30 | 25.13 | 18.32 | 33.90 | 24.50 | 48.15 | 31.37 | 34.18 | 36.50 | 24.34 | 36.03 | 19.64 |
| — | -29.4% | -47.8% | -41.6% | -0.8% | -32.9% | +97.8% | -12.9% | +74.1% | +663.9% | +390.6% | +1027.4% | +608.3% | |
| Current Ratio | 0.02 | 0.02 | 0.04 | 0.04 | 0.05 | 0.10 | 0.10 | 0.09 | 0.08 | 0.08 | 0.09 | 0.08 | 0.08 |
| — | -78.1% | -62.2% | -51.8% | -34.6% | +25.7% | +14.7% | +8.3% | -0.2% | -1.9% | +11.9% | -11.1% | -26.1% | |
| Quick Ratio | 0.02 | 0.02 | 0.04 | 0.04 | 0.05 | 0.10 | 0.10 | 0.09 | 0.08 | 0.08 | 0.09 | 0.08 | 0.08 |
| — | -78.1% | -62.2% | -51.8% | -34.6% | +25.7% | +14.7% | +8.3% | -0.2% | -1.9% | +11.9% | -11.1% | -26.1% | |
| Interest Coverage | 0.40 | 0.52 | 0.35 | 0.50 | 0.23 | 0.33 | 0.19 | 0.35 | 0.34 | 0.34 | 0.58 | 0.44 | 1.36 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying WNEB stock.
Western New England Bancorp, Inc.'s current P/E is 18.2x. The average P/E over the last 4 quarters is 15.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Western New England Bancorp, Inc.'s current operating margin is 14.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Western New England Bancorp, Inc.'s business trajectory between earnings reports.