Western New England Bancorp Inc (WNEB)
NASDAQ:WNEB
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Western New England Bancorp
(NASDAQ:WNEB)
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Rating:56Neutral
Price Target:
$13.50
▼(-4.05% Downside)
Action:Reiterated
Date:05/15/26
The score is held back primarily by mixed financial durability (improving TTM profitability but still below 2021–2022 and volatile cash-flow coverage) and weak technical momentum (RSI ~39, Stoch ~7, slightly negative MACD). These are partially offset by reasonable valuation (P/E ~13.5 and ~2.1% yield) and supportive recent corporate updates including strong Q1 results, improved margin, solid asset quality, and continued capital returns.
Positive Factors
Revenue & Margin Recovery
Sustained revenue growth and recovering net margins indicate improving core banking economics. Over a multi-quarter horizon this enhances earnings power, supports internal capital generation and reinvestment in lending, and reduces reliance on nonrecurring items to sustain profits.
Negative Factors
Below-Peak Profitability
Earnings power remains meaningfully below prior-cycle peaks, signaling limited margin headroom. If interest or competitive pressures intensify, the bank has less buffer to absorb shocks, constraining long-run ability to rebuild double-digit margins without structural changes.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Recovery
Sustained revenue growth and recovering net margins indicate improving core banking economics. Over a multi-quarter horizon this enhances earnings power, supports internal capital generation and reinvestment in lending, and reduces reliance on nonrecurring items to sustain profits.
Read all positive factors
Western New England Bancorp (WNEB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$269.48M
Dividend Yield2.18%
Average Volume (3M)49.24K
Price to Earnings (P/E)13.5
Beta (1Y)0.80
Revenue Growth7.20%
EPS Growth66.27%
CountryUS
Employees286
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.89
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 Cap1.35
Enterprise Value/Revenue2.75
Enterprise Value/Gross Profit4.31
Enterprise Value/Ebitda15.32
Forecast
1Y Price Target
$15.00Price Target Upside6.61% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.95
Revenue Forecast (FY)$91.35M
Western New England Bancorp Business Overview & Revenue Model
Company Description
Western 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, includin...
How the Company Makes Money
WNEB primarily makes money through traditional banking spread and fee income generated by its banking subsidiary(ies). Key revenue streams typically include: (1) Net interest income: interest earned on loans (such as commercial, consumer, and real...
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 | 132.35M | 129.83M | 122.74M | 112.02M | 99.26M | 92.41M |
| Gross Profit | 84.52M | 80.49M | 73.39M | 77.94M | 91.86M | 86.67M |
| EBITDA | 23.76M | 21.19M | 17.56M | 22.18M | 37.32M | 34.42M |
| Net Income | 17.74M | 15.27M | 11.67M | 15.07M | 25.89M | 23.70M |
Balance Sheet | ||||||
| Total Assets | 2.76B | 2.74B | 2.65B | 2.56B | 2.55B | 2.54B |
| Cash, Cash Equivalents and Short-Term Investments | 22.16M | 43.15M | 217.89M | 162.96M | 175.69M | 292.91M |
| Total Debt | 116.61M | 106.06M | 123.14M | 156.46M | 62.20M | 22.29M |
| Total Liabilities | 2.52B | 2.49B | 2.42B | 2.33B | 2.33B | 2.31B |
| Stockholders Equity | 248.10M | 247.64M | 235.91M | 237.41M | 228.14M | 223.69M |
Cash Flow | ||||||
| Free Cash Flow | 18.50M | 17.14M | 10.97M | 11.87M | 35.63M | 25.34M |
| Operating Cash Flow | 19.80M | 18.21M | 12.17M | 14.77M | 36.77M | 28.79M |
| Investing Cash Flow | -109.34M | -113.61M | -46.59M | -13.71M | -111.87M | -162.91M |
| Financing Cash Flow | 35.10M | 69.33M | 72.03M | -2.57M | 1.99M | 150.13M |
Western New England Bancorp Technical Analysis
Positive
14.07
Price Trends
13.39
Positive
13.23
Positive
12.54
Positive
Market Momentum
-0.04
Positive
45.58
Neutral
44.96
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WNEB, the sentiment is Positive. The current price of 14.07 is above the 20-day moving average (MA) of 13.66, above the 50-day MA of 13.39, and above the 200-day MA of 12.54, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 45.58 is Neutral, neither overbought nor oversold. The STOCH value of 44.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $243.79M | 8.59 | 14.66% | 2.39% | 2.72% | 27.37% | |
70 Outperform | $210.60M | 6.84 | 12.20% | 3.32% | 7.88% | 29.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $269.48M | 13.53 | 7.25% | 2.18% | 7.20% | 66.27% | |
54 Neutral | $189.83M | 18.87 | 8.24% | ― | 70.23% | 20.19% |
* Financial Sector Average
WNEB
Western New England Bancorp
13.39
4.43
49.51%
HWBK
Hawthorn Bancshares
35.35
6.54
22.70%
OPBK
OP Bancorp
14.14
2.21
18.53%
FINW
FinWise
13.85
-0.85
-5.78%
Western New England Bancorp Corporate Events
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 ...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Western New England Bancorp Posts Strong Q1 2026 Results
Positive
Apr 28, 2026
Western New England Bancorp reported unaudited net income of $4.8 million, or $0.24 per diluted share, for the quarter ended March 31, 2026, more than doubling profit from $2.3 million a year earlier but down slightly from $5.2 million in the four...
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.