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Western New England Bancorp
(NASDAQ:WNEB)
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Rating:60Neutral
Price Target:
$15.00
▲(5.26% Upside)
Action:Reiterated
Date:07/29/26
The score is driven primarily by mid-range financial performance—improving profitability and steady equity but below prior peak return levels and with notable variability—supported by a positive multi-timeframe price trend. Valuation is reasonable with a modest dividend yield, while corporate updates are mixed due to lower Q2 earnings despite ongoing capital returns and operational efficiency actions.
Positive Factors
Improving net interest margin and stable deposit mix
A 3.00% NIM alongside a high share of core and non-interest-bearing deposits supports durable net interest income generation. Low-cost, sticky deposits reduce funding volatility, helping sustain margin and underwriting capacity across rate cycles and enabling steady net interest revenue over months.
Negative Factors
Below-par return on equity
ROE near 7.3% signals modest capital efficiency versus historical peaks. Persistently lower ROE constrains the bank's ability to deliver attractive shareholder returns without aggressive capital actions, and may force trade-offs between growth, buybacks and dividend policy over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving net interest margin and stable deposit mix
A 3.00% NIM alongside a high share of core and non-interest-bearing deposits supports durable net interest income generation. Low-cost, sticky deposits reduce funding volatility, helping sustain margin and underwriting capacity across rate cycles and enabling steady net interest revenue over months.
Read all positive factors
Western New England Bancorp (WNEB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$260.22M
Dividend Yield2.17%
Average Volume (3M)49.24K
Price to Earnings (P/E)15.4
Beta (1Y)0.82
Revenue Growth6.09%
EPS Growth41.66%
CountryUS
Employees334
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.84
Shares Outstanding20,125,202
10 Day Avg. Volume70,981
30 Day Avg. Volume49,239
Financial Highlights & Ratios
PEG Ratio0.46
Price to Book (P/B)1.02
Price to Sales (P/S)1.95
P/FCF Ratio14.77
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$15.50Price Target Upside8.77% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.95
Revenue Forecast (FY)$91.88M
Western New England Bancorp Business Overview & Revenue Model
Company Description
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 variou...
How the Company Makes Money
WNEB primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from interest and fees on loans and other interest-earning assets (such as securities) minus the inte...
Western New England Bancorp Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
58
Neutral
Cash Flow
54
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 106.43M | 129.83M | 122.74M | 112.02M | 99.26M | 92.41M |
| Gross Profit | 58.43M | 80.49M | 73.39M | 77.94M | 91.86M | 86.67M |
| EBITDA | 11.53M | 21.19M | 17.56M | 22.18M | 37.32M | 34.42M |
| Net Income | 16.75M | 15.27M | 11.67M | 15.07M | 25.89M | 23.70M |
Balance Sheet | ||||||
| Total Assets | 2.73B | 2.74B | 2.65B | 2.56B | 2.55B | 2.54B |
| Cash, Cash Equivalents and Short-Term Investments | 208.26M | 43.15M | 217.89M | 162.96M | 175.69M | 292.91M |
| Total Debt | 42.74M | 106.06M | 123.14M | 156.46M | 62.20M | 22.29M |
| Total Liabilities | 2.48B | 2.49B | 2.42B | 2.33B | 2.33B | 2.31B |
| Stockholders Equity | 248.28M | 247.64M | 235.91M | 237.41M | 228.14M | 223.69M |
Cash Flow | ||||||
| Free Cash Flow | 11.32M | 17.14M | 10.97M | 11.87M | 35.63M | 25.34M |
| Operating Cash Flow | 12.98M | 18.21M | 12.17M | 14.77M | 36.77M | 28.79M |
| Investing Cash Flow | -88.44M | -113.61M | -46.59M | -13.71M | -111.87M | -162.91M |
| Financing Cash Flow | 38.29M | 69.33M | 72.03M | -2.57M | 1.99M | 150.13M |
Western New England Bancorp Technical Analysis
Neutral
14.25
Price Trends
13.84
Negative
13.60
Negative
13.06
Positive
Market Momentum
-0.19
Positive
45.24
Neutral
20.87
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WNEB, the sentiment is Neutral. The current price of 14.25 is above the 20-day moving average (MA) of 14.04, above the 50-day MA of 13.84, and above the 200-day MA of 13.06, indicating a neutral trend. The MACD of -0.19 indicates Positive momentum. The RSI at 45.24 is Neutral, neither overbought nor oversold. The STOCH value of 20.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for WNEB.
Western New England Bancorp Risk Analysis
Western New England Bancorp disclosed 40 risk factors in its most recent earnings report. Western New England Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Western New England Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $446.60M | 10.81 | 7.94% | 2.44% | 3.04% | 88.65% | |
70 Outperform | $121.20M | 15.04 | 7.31% | 1.78% | -0.54% | 27.58% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $447.70M | 23.45 | 4.62% | 0.45% | ― | ― | |
60 Neutral | $260.22M | 15.39 | 6.78% | 1.96% | 6.09% | 41.66% | |
57 Neutral | $621.76M | 9.41 | 13.73% | 1.15% | 12.91% | 95.79% | |
57 Neutral | $116.49M | 49.04 | 1.93% | ― | 16.05% | ― |
* Financial Sector Average
WNEB
Western New England Bancorp
13.55
2.67
24.52%
HIFS
Hingham Institution For Savings
303.93
58.28
23.73%
SFBC
Sound Financial Bancorp
47.44
1.43
3.11%
RBB
Rbb Bancorp
26.81
8.41
45.74%
WSBK
Winchester Bancorp, Inc.
12.99
3.35
34.75%
AVBC
Avidia Bancorp, Inc.
21.23
6.81
47.21%
Western New England Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Western New England Bancorp Reports Lower Q2 Earnings
Negative
Jul 28, 2026
Western New England Bancorp reported unaudited results on July 28, 2026, showing second-quarter 2026 net income of $3.6 million, or $0.18 per diluted share, down from both the prior-year quarter and the first quarter, even as six-month net income ...
Executive/Board ChangesShareholder Meetings
Western New England Bancorp Shareholders Back Governance Proposals
Positive
May 14, 2026
On May 14, 2026, Western New England Bancorp held its Annual Meeting, where 17,246,961 of the 20,258,872 eligible common shares were represented, constituting a quorum. Shareholders considered three proposals covering board elections, executive co...
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Western New England Bancorp Holds 2026 Annual Shareholder Meeting
Positive
May 14, 2026
At its annual shareholders’ meeting held on May 14, 2026, Western New England Bancorp presented its board structure, senior management team and key service providers, including its independent auditor and inspector of elections. The company ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.