Western New England Bancorp Inc (WNEB)
NASDAQ:WNEB
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Western New England Bancorp
(NASDAQ:WNEB)
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Rating:62Neutral
Price Target:
$15.00
▲(7.45% Upside)
Action:DowngradedDate:03/11/26
The score is driven primarily by improving financial fundamentals (better margins, cash conversion, and reduced leverage) and a positive recent company update highlighting stronger profitability and capital returns. These strengths are tempered by weak technical momentum (bearish MACD and trading below key moving averages) and only moderate valuation support.
Positive Factors
Improved leverage and capital
Significantly lower leverage and rising equity strengthen the bank's capital cushion and financial flexibility. A ~0.35 debt/equity position reduces funding and solvency risk, supports continued lending and regulatory buffers, and underpins durable capacity for dividends and buybacks.
Negative Factors
Slowing revenue growth
A material deceleration to ~2% revenue growth reduces long-term earnings leverage and suggests the company faces structural limits to top-line expansion. Slower revenue constrains margin recovery and limits the pace at which profits and capital can sustainably grow over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage and capital
Significantly lower leverage and rising equity strengthen the bank's capital cushion and financial flexibility. A ~0.35 debt/equity position reduces funding and solvency risk, supports continued lending and regulatory buffers, and underpins durable capacity for dividends and buybacks.
Read all positive factors
Western New England Bancorp (WNEB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$282.84M
Dividend Yield2.18%
Average Volume (3M)49.24K
Price to Earnings (P/E)12.2
Beta (1Y)0.83
Revenue Growth7.37%
EPS Growth27.35%
CountryUS
Employees286
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.26
Shares Outstanding20,260,597
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 Cap1.16
Enterprise Value/Revenue2.53
Enterprise Value/Gross Profit4.08
Enterprise Value/Ebitda15.51
Forecast
1Y Price Target
$14.00Price Target Upside0.29% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.95
Revenue Forecast (FY)$90.41M
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
74
Positive
Cash Flow
68
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 129.83M | 122.74M | 112.02M | 99.26M | 92.41M |
| Gross Profit | 80.49M | 73.39M | 77.94M | 91.86M | 86.67M |
| EBITDA | 21.19M | 17.56M | 22.18M | 37.32M | 34.42M |
| Net Income | 15.27M | 11.67M | 15.07M | 25.89M | 23.70M |
Balance Sheet | |||||
| Total Assets | 2.74B | 2.65B | 2.56B | 2.55B | 2.54B |
| Cash, Cash Equivalents and Short-Term Investments | 216.18M | 217.89M | 162.96M | 175.69M | 292.91M |
| Total Debt | 86.27M | 123.14M | 156.46M | 62.20M | 22.29M |
| Total Liabilities | 2.49B | 2.42B | 2.33B | 2.33B | 2.31B |
| Stockholders Equity | 247.64M | 235.91M | 237.41M | 228.14M | 223.69M |
Cash Flow | |||||
| Free Cash Flow | 17.14M | 10.97M | 11.87M | 35.63M | 25.34M |
| Operating Cash Flow | 18.21M | 12.17M | 14.77M | 36.77M | 28.79M |
| Investing Cash Flow | -113.61M | -46.59M | -13.71M | -111.87M | -162.91M |
| Financing Cash Flow | 69.33M | 72.03M | -2.57M | 1.99M | 150.13M |
Western New England Bancorp Technical Analysis
Positive
13.96
Price Trends
13.24
Positive
12.92
Positive
12.05
Positive
Market Momentum
0.19
Negative
73.34
Negative
89.05
Negative
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 13.96 is above the 20-day moving average (MA) of 12.98, above the 50-day MA of 13.24, and above the 200-day MA of 12.05, indicating a bullish trend. The MACD of 0.19 indicates Negative momentum. The RSI at 73.34 is Negative, neither overbought nor oversold. The STOCH value of 89.05 is Negative, 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | $212.19M | 8.19 | 11.75% | 3.32% | 9.10% | 12.36% | |
68 Neutral | $241.01M | 10.24 | 14.66% | 2.39% | 0.16% | 258.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $282.84M | 12.15 | 5.51% | 2.18% | 7.37% | 27.35% | |
61 Neutral | $229.63M | 14.30 | 8.00% | ― | 26.54% | 2.73% |
* Financial Sector Average
WNEB
Western New England Bancorp
13.96
6.13
78.20%
HWBK
Hawthorn Bancshares
34.92
8.52
32.26%
OPBK
OP Bancorp
14.25
4.02
39.34%
FINW
FinWise
16.79
2.50
17.49%
Western New England Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Western New England Bancorp Reports Strong Q4 2025 Results
Positive
Jan 27, 2026
On January 27, 2026, Western New England Bancorp reported unaudited results for the fourth quarter and full year ended December 31, 2025, highlighting a sharp improvement in profitability, balance sheet growth and continued capital returns to shar...
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.