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WNEB US​

Western New England Bancorp, Inc.(WNEB US)

$13.88+0.040.29%Ext:$13.88+0.000.00%(Market Closed · 00:00:02 UTC)

Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

FinancialsChartingShort InterestEmployees

Western New England Bancorp, Inc. — Company Profile

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 various options for customers to hold their funds, including checking accounts, diverse savings accounts (such as those for businesses, municipalities, money market, sweep, and individual retirement plans), as well as time deposits, certificates of deposit, and interest on lawyers trust accounts. WNEB also provides a wide range of lending products. These encompass financing for residential and commercial real estate, commercial construction, working capital, equipment acquisition, and term loans. Additionally, it offers home equity and consumer loans, alongside commercial and industrial loans, which feature options like revolving lines of credit. Beyond these core services, the company facilitates transactions through automated teller machines (ATMs), telephone and online banking platforms, remote deposit capture, and cash management solutions. Other conveniences include overdraft protection, safe deposit box facilities, and night deposit services. As of December 31, 2021, its operational footprint included 25 brick-and-mortar banking locations, supported by 23 permanent standalone ATMs and 35 seasonal or temporary ATMs. These facilities are strategically placed throughout various communities in Massachusetts (namely Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield, and Westfield) and Connecticut (including Bloomfield, Enfield, Granby, and West Hartford). The corporation was formerly recognized as Westfield Financial, Inc. before officially changing its name to Western New England Bancorp, Inc. in October 2016. WNEB was founded in 1853 and maintains its headquarters in Westfield, Massachusetts.

Sector
Financials
Industry
Banks
Exchange
UQ
CEO
James C. Hagan
Headquarters
Westfield, MA, US
IPO Date
May 2, 2002
Employees
313
Website
www.westfieldbank.com

Key Metrics

Price
$13.93
Market Cap
$280.34M
Revenue (TTM)
$33.71M
Net Income (TTM)
$4.78M
EPS (TTM)
0.24
P/E (TTM)
15.80
P/B (TTM)
1.13
Dividend Yield
2.11%
ROE (TTM)
1.93%
ROA (TTM)
0.17%
Operating Margin
18.32%
Beta
0.18

Dividends

Last Dividend
$0.07
Last Yield
0.02%

Summary

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 various options for customers to hold their funds, including checking accounts, diverse savings accounts (such as those for businesses, municipalities, money market, sweep, and individual retirement plans), as well as time deposits, certificates of deposit, and interest on lawyers trust accounts. WNEB also provides a wide range of lending products. These encompass financing for residential and commercial real estate, commercial construction, working capital, equipment acquisition, and term loans. Additionally, it offers home equity and consumer loans, alongside commercial and industrial loans, which feature options like revolving lines of credit. Beyond these core services, the company facilitates transactions through automated teller machines (ATMs), telephone and online banking platforms, remote deposit capture, and cash management solutions. Other conveniences include overdraft protection, safe deposit box facilities, and night deposit services. As of December 31, 2021, its operational footprint included 25 brick-and-mortar banking locations, supported by 23 permanent standalone ATMs and 35 seasonal or temporary ATMs. These facilities are strategically placed throughout various communities in Massachusetts (namely Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield, and Westfield) and Connecticut (including Bloomfield, Enfield, Granby, and West Hartford). The corporation was formerly recognized as Westfield Financial, Inc. before officially changing its name to Western New England Bancorp, Inc. in October 2016. WNEB was founded in 1853 and maintains its headquarters in Westfield, Massachusetts.

Website
www.westfieldbank.com
Location
Westfield, MA, US
Phone413 568 1911
Employees313
CEOJames C. Hagan
Sector
Financials
Industry
Banks
IPO DateMay 2, 2002

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Latest Documents

SEC Filings(1.5K)

Expand
  • 4SAGAN LEO R JR14 Sep
  • 4Smith Philip R4 Sep
  • 4Fitzgerald Gary G7 Aug
  • 4Damon Donna J.7 Aug
  • 4MASSE WILLIAM D7 Aug
  • 4McMahon Lisa G7 Aug
  • 4Richter Steven G.7 Aug
  • 10-QQ2ended 30 Jun 20267 Aug
  • SC 13G/AWestern New England Bancorp, Inc.30 Jul
  • 8-KPRESS RELEASE28 Jul
  • 11-KANNUAL REPORT18 Jun
  • 4Libiszewski Darlene M22 May
  • SC 13G/AWestern New England Bancorp, Inc.14 May
  • 8-KSubmission of Matters to a Vote of Security Holders14 May
  • 8-KANNUAL MEETING PRESENTATION MATERIALS DATED MAY 14, 2026.14 May
  • 4Richter Steven G.8 May
  • 4PICKNELLY PAUL C8 May
  • 4McMahon Lisa G8 May
  • 4MASSE WILLIAM D8 May
  • 10-QQ1ended 31 Mar 20268 May

News

  • BlackRock Inc. Acquires Shares of 1,836,760 Western New England Bancorp $WNEB3 Sep
  • Get Paid by September 1st with These 4 Dividend Stocks. But There's a Catch.6 Aug
  • Western New England Bancorp (WNEB) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates28 Jul
  • Western New England Bancorp (WNEB) Q2 Earnings Miss Estimates28 Jul
  • Western New England Bancorp, Inc. Reports Results for Three and Six Months Ended June 30, 2026 and Declares Quarterly Cash Dividend28 Jul

Mentions in Filings

  • #Victory Capital Holdings, Inc., Class A 199,594 14,077,365 Virginia National Bankshares Corp. 2,420 99,026 Virtu Financial, Inc., Class A 246,346 10,225,822 Virtus Investment Partners, Inc. 23,699 3,868,862 Voya Financial, Inc. 239,109 18,330,096 WaFd, Inc. 284,859 9,292,101 Walker & Dunlop, Inc. 126,618 7,963,006 Washington Trust Bancorp, Inc. 61,709 2,120,938 Waterstone Financial, Inc. 62,320 …
    Dimensional ETF TrustWestern New England Bancorp, Inc.·NPORT-EX - NT NPORT-P - Notification of late filing (portfolio holdings)·Q1 26·13 Aug
  • … 1.09 | 15.25 | 1.60 | 2.95 | 42.78 | | WSBF | Waterstone Financial, Inc. | 15.59 | 15.56 | 1.35 | 8.60 | 1.35 | 8.60 | 0.30 | 273.62 | 11.58 | 101.92 | 15.89 | 102.12 | 11.58 | 0.68 | 3.42 | 38.37 | | WNEB | <strong>Western New England Bancorp, Inc.</strong> | 9.09 | 8.64 | 0.61 | 6.81 | 0.61 | 6.77 | 0.28 | 260.15 | 16.15 | 109.56 | 9.96 | 115.80 | 16.25 | 0.28 | 2.06 | 33.33 | | WSFS | WSFS Financial Corporation | 11.97 | 8.08 | 1.47 | 11.76 | 1.57 | 12.44 | 0. …
    MFB Bancorp, Inc.Western New England Bancorp, Inc.·EX-99.5 - S-1/A - EXHIBIT 99.5·Q4 26·23 Oct
  • … Glenville | NY | $ | 6,525 | | 133 | Dec | NA | $ | 57.74 | $ | 983 | | WSBF | Waterstone Financial, Inc. | NASDAQGS | MW | Wauwatosa | WI | $ | 2,253 | | 16 | Dec | 10/4/05 | $ | 20.96 | $ | 377 | | WNEB | <strong>Western New England Bancorp, Inc.</strong> | NASDAQGS | NE | Westfield | MA | $ | 2,732 | | 27 | Dec | 12/27/01 | $ | 13.55 | $ | 270 | | WSFS | WSFS Financial Corporation | NASDAQGS | MA | Wilmington | DE | $ | 22,654 | | 94 | Dec | 11/26/86 | $ | 81 …
    MFB Bancorp, Inc.Western New England Bancorp, Inc.·EX-99.4 - S-1 - EXHIBIT 99.4·Q3 26·14 Sep
  • … AL | Western Alliance Bancorporation | WE | | 84.33 | | 107,701 | | 9,082.4 | | 97.23 | | 65.82 | | 83.65 | | 0.81 | | 8.95 | | 0.31 | | 8.88 | | 7.65 | | 69.13 | | 63.23 | | 916.44 | | 98,701,000 | | WNEB | <strong>Western New England Bancorp, Inc.</strong> | NE | | 13.55 | | 19,893 | | 269.6 | | 15.01 | | 10.51 | | 14.66 | | -7.57 | | 24.20 | | 7.37 | | 0.84 | | 0.84 | | 12.39 | | 11.72 | | 137.35 | | 2,732,301 | | WTFC | Wintrust Financial Corporation | MW | | …
    Hometown Financial Group, Inc./MDWestern New England Bancorp, Inc.·EX-99.3 - S-1 - Registration statement (general form)·Q3 26·10 Sep
  • … | | Kearny Financial Corp. | KRNY | Fairfield, NJ | | 7,608 | | Northeast Community Bancorp, Inc. | NECB | White Plains, NJ | | 2,205 | | Riverview Bancorp, Inc. | RVSB | Vancouver, WA | | 1,464 | | Timberland Bancorp, Inc. | TSBK | Hoquiam, WA | | 2,046 | | TrustCo Bank Corp NY | TRST | Glenville, NY | | 6,508 | | Waterstone Financial, Inc. | WSBF | Wauwatosa, WI | | 2,251 | | <strong>Western New England Bancorp, Inc.</strong> | WNEB | Westfield, MA | | 2,765 |
    Narragansett Bancorp, Inc.Western New England Bancorp, Inc.·424B3 - Prospectus filing (Rule 424(b)(3))·Q3 26·20 Aug
  • … | | Kearny Financial Corp. | KRNY | Fairfield, NJ | | 7,608 | | Northeast Community Bancorp, Inc. | NECB | White Plains, NJ | | 2,205 | | Riverview Bancorp, Inc. | RVSB | Vancouver, WA | | 1,464 | | Timberland Bancorp, Inc. | TSBK | Hoquiam, WA | | 2,046 | | TrustCo Bank Corp NY | TRST | Glenville, NY | | 6,508 | | Waterstone Financial, Inc. | WSBF | Wauwatosa, WI | | 2,251 | | <strong>Western New England Bancorp, Inc.</strong> | WNEB | Westfield, MA | | 2,765 |
    Narragansett Bancorp, Inc.Western New England Bancorp, Inc.·424B3 - Prospectus filing (Rule 424(b)(3))·Q3 26·20 Aug

Key Stats

Trading

Px/Chg 1D$13.93 / +1.31%
Avg Volume60.63K
Beta0.18
Mkt Cap280.34M
FD Mkt Cap276.92M

Float

Shrs Out/Float20.13M / 17.56M
Short Float0.02%
Days to Cover3.20
Stock Repurchased$2.75M

Current Valuation

EV374.80M
EV/EBITDA15.03
EV/Sales2.83
P/B1.13
P/S2.12
FCF Yield-0.14%
ROE1.93%
ROA0.17%
Current Ratio1.31

Dividend

Cash$0.07
Yield2.11%
Yield (TTM)2.11%

Estimates

P/E15.80
Est P/EN/A
Est EPSN/A
Est PEGN/A

Valuation

Metric5Yr AvgMay '23May '24May '25May '26Oct '26
PRICE-BASED RATIOS
Price / Earnings28.884.949.2917.2254.2658.69
Price / Sales4.181.291.251.648.388.32
Price / Book Value0.850.560.590.851.141.13
Price / Free Cash Flow-128.933.5911.7918.3044.20-722.54
ENTERPRISE VALUE METRICS
Enterprise Value284.9161.5270.6266.8350.6374.8
Enterprise Value / Sales5.551.632.422.1710.4011.12
Enterprise Value / EBITDA27.864.3312.2015.1952.1155.48
Enterprise Value / EBIT30.844.6613.8217.8457.1760.70

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue8.9%92.499.3112.0122.7129.8
Gross Income-1.8%86.791.977.973.480.5
EBITDA-11.4%34.437.322.217.621.2
EBIT-11.7%31.734.619.615.019.3
Net Income-10.4%23.725.915.111.715.3
EPS (Diluted)-7.4%1.021.180.700.560.75
BALANCE SHEET
Cash & ST Inv-38%292.9175.7163.0217.943.1
Total Assets1.9%2,538.42,553.22,564.62,653.12,736.5
Total Liabilities1.8%2,314.72,325.02,327.22,417.22,488.8
Total Shareholder Equity2.6%223.7228.1237.4235.9247.6
CASH FLOW
Net Operating Cash Flow-10.8%28.836.814.812.218.2
Cap Ex-25.4%-3.5-1.1-2.9-1.2-1.1
Free Cash Flow-9.3%25.335.611.911.017.1

Enterprise Value Bridge

Millions USD23 Oct '26
Price (As of 23 Oct '26)13.89
Basic Shares20.13
Market Cap279.5
Diluted Shares20.07
Fully Diluted Shares Outstanding20.07
Fully Diluted Market Cap278.7
+Consolidated Debt116.6
−In-the-Money Convertible Debt—
+Capital Leases-
+Operating Leases—
−Cash & Equivalents-22.2
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value374.0

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