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Western New England Bancorp (WNEB) Financials

Western New England Bancorp logo
$14.66 +0.26 (+1.81%)
Closing price 07/28/2026 04:00 PM Eastern
Extended Trading
$14.65 -0.01 (-0.07%)
As of 07/28/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Western New England Bancorp

Annual Income Statements for Western New England Bancorp

This table shows Western New England Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 5.72 4.83 12 16 14 11 24 26 15 12 15
Consolidated Net Income / (Loss)		 5.72 4.83 12 16 13 11 24 26 15 12 15
Net Income / (Loss) Continuing Operations		 5.72 4.83 12 16 13 11 24 26 15 12 15
Total Pre-Tax Income 		7.84 7.40 22 21 17 14 32 35 20 15 20
Total Revenue		 37 43 68 69 68 74 86 93 79 73 83
Net Interest Income / (Expense)		 32 37 59 60 58 64 73 79 68 60 70
Total Interest Income		 42 49 74 79 82 83 80 86 101 110 119
Loans and Leases Interest Income		 31 40 66 71 75 78 74 77 91 99 105
Investment Securities Interest Income		 12 8.29 8.26 8.02 7.05 4.93 5.51 8.30 8.93 9.34 11
Federal Funds Sold and Securities Borrowed Interest Income		 0.02 0.12 0.12 0.18 0.23 0.11 0.14 0.19 1.02 1.60 2.34
Total Interest Expense		 11 11 15 19 24 18 6.67 6.70 33 50 49
Deposits Interest Expense		 5.57 6.58 8.45 12 17 14 5.51 5.35 27 42 43
Short-Term Borrowings Interest Expense		 1.09 2.44 3.94 2.92 2.57 1.61 0.00 0.33 1.59 0.60 0.23
Long-Term Debt Interest Expense		 4.13 2.27 2.26 4.38 4.36 3.33 1.16 1.01 4.97 7.18 5.79
Total Non-Interest Income		 4.87 5.97 8.50 9.23 9.54 9.25 13 13 11 13 13
Other Service Charges		 3.13 4.19 6.62 7.07 7.84 7.72 8.42 9.10 8.86 9.46 10
Net Realized & Unrealized Capital Gains on Investments		 0.21 0.22 0.06 -0.38 -0.10 -0.28 1.68 2.51 -0.56 1.53 0.29
Other Non-Interest Income		 1.53 1.56 1.82 2.54 1.80 1.81 2.47 1.73 2.60 1.91 1.96
Provision for Credit Losses		 1.28 0.58 1.36 1.90 2.68 7.78 -0.93 0.70 0.87 -0.67 0.34
Total Non-Interest Expense		 27 35 45 46 48 52 55 57 58 58 62
Salaries and Employee Benefits		 15 17 25 26 28 29 32 33 32 33 36
Net Occupancy & Equipment Expense		 4.76 5.37 7.68 8.17 8.63 8.96 9.64 9.90 10 11 11
Marketing Expense		 0.79 0.91 1.30 1.40 1.33 1.11 1.29 1.41 1.50 1.27 1.65
Property & Liability Insurance Claims		 0.80 0.72 0.62 0.60 0.43 1.03 1.00 1.05 1.32 1.46 1.60
Other Operating Expenses		 5.94 6.88 9.24 10 9.77 10 11 12 13 12 13
Income Tax Expense		 2.12 2.57 9.43 4.70 3.85 2.94 8.03 8.74 4.52 3.29 4.52
Basic Earnings per Share		 $0.33 $0.25 $0.41 $0.57 $0.51 $0.45 $1.02 $1.18 $0.70 $0.56 $0.76
Weighted Average Basic Shares Outstanding		 17.50M 19.71M 29.86M 28.89M 26.19M 25.05M 23.22M 21.88M 21.54M 20.90M 20.19M
Diluted Earnings per Share		 $0.33 $0.24 $0.41 $0.57 $0.51 $0.45 $1.02 $1.18 $0.70 $0.56 $0.75
Weighted Average Diluted Shares Outstanding		 17.50M 19.80M 30.03M 29.03M 26.30M 25.06M 23.30M 21.94M 21.61M 21.02M 20.32M
Weighted Average Basic & Diluted Shares Outstanding		 17.30M 19.30M 30M 28.80M 26.20M 25.10M 22.66M 22.21M 21.58M 20.75M 20.26M
Cash Dividends to Common per Share		 $0.12 $0.12 $0.12 $0.16 $0.20 $0.20 $0.20 $0.24 $0.28 $0.28 $0.28

Quarterly Income Statements for Western New England Bancorp

This table shows Western New England Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 4.49 2.51 2.96 3.51 1.90 3.29 2.30 4.59 3.17 5.21 4.78
Consolidated Net Income / (Loss)		 4.49 2.51 2.96 3.51 1.90 3.29 2.30 4.59 3.17 5.21 4.78
Net Income / (Loss) Continuing Operations		 4.49 2.51 2.96 3.51 1.90 3.29 2.30 4.59 3.17 5.21 4.78
Total Pre-Tax Income 		5.52 3.62 3.79 4.28 2.52 4.36 2.97 6.01 4.19 6.62 6.18
Total Revenue		 20 19 18 18 18 19 18 21 21 22 22
Net Interest Income / (Expense)		 16 16 15 14 15 15 16 18 18 19 19
Total Interest Income		 26 27 27 27 28 29 28 30 30 31 30
Loans and Leases Interest Income		 23 24 24 24 25 25 25 26 27 27 17
Investment Securities Interest Income		 2.20 2.12 2.11 2.29 2.31 2.31 3.45 2.76 2.78 2.75 2.51
Deposits and Money Market Investments Interest Income		 - - 0.25 - - - - - - - 0.34
Federal Funds Sold and Securities Borrowed Interest Income		 0.25 - 0.11 0.17 0.40 - - 0.64 0.56 0.29 0.19
Other Interest Income		 - - - - - - - - - - 10
Total Interest Expense		 9.52 11 11 12 13 13 13 12 12 12 11
Deposits Interest Expense		 7.70 8.77 9.29 10 11 11 11 10 10 10 9.98
Short-Term Borrowings Interest Expense		 0.12 0.12 0.28 0.19 0.07 0.06 0.05 0.05 0.04 0.09 0.32
Long-Term Debt Interest Expense		 1.70 1.70 1.68 1.81 1.88 1.81 1.47 1.49 1.50 1.33 1.16
Total Non-Interest Income		 3.61 2.71 2.67 3.83 3.14 3.25 2.76 3.41 3.17 3.17 3.43
Trust Fees by Commissions		 - - - - - - 0.26 - - - 0.39
Other Service Charges		 2.15 2.28 2.22 2.34 2.42 2.49 2.02 2.62 2.67 2.69 2.13
Net Realized & Unrealized Capital Gains on Investments		 1.01 -1.92 0.00 0.99 0.26 0.28 0.00 0.27 0.02 -0.01 0.44
Other Non-Interest Income		 0.45 2.35 0.45 0.50 0.47 0.49 0.47 0.52 0.48 0.49 0.48
Provision for Credit Losses		 0.35 0.49 -0.55 -0.29 0.94 -0.76 0.14 -0.62 1.29 -0.49 0.08
Total Non-Interest Expense		 14 15 15 14 14 15 15 16 16 16 16
Salaries and Employee Benefits		 7.96 7.91 8.24 7.90 8.11 8.43 8.41 8.83 9.21 9.37 9.23
Net Occupancy & Equipment Expense		 2.47 2.62 2.71 2.55 2.57 2.66 2.78 2.69 2.61 2.65 2.82
Marketing Expense		 0.36 0.38 0.35 0.34 0.27 0.31 0.43 0.44 0.43 0.35 0.44
Property & Liability Insurance Claims		 0.34 0.34 0.41 0.32 0.34 0.39 0.43 0.40 0.38 0.40 0.39
Other Operating Expenses		 3.00 3.55 2.93 3.20 3.12 3.14 3.13 3.29 3.15 3.10 2.98
Income Tax Expense		 1.03 1.11 0.83 0.77 0.62 1.08 0.66 1.42 1.03 1.41 1.40
Basic Earnings per Share		 $0.21 $0.12 $0.14 $0.17 $0.09 $0.16 $0.11 $0.23 $0.16 $0.26 $0.24
Weighted Average Basic Shares Outstanding		 21.56M 21.54M 21.18M 21.06M 20.80M 20.90M 20.39M 20.21M 20.11M 20.19M 20.00M
Diluted Earnings per Share		 $0.21 $0.12 $0.14 $0.17 $0.09 $0.16 $0.11 $0.23 $0.16 $0.25 $0.24
Weighted Average Diluted Shares Outstanding		 21.68M 21.61M 21.27M 21.16M 20.93M 21.02M 20.51M 20.31M 20.24M 20.32M 20.07M
Weighted Average Basic & Diluted Shares Outstanding		 21.71M 21.58M 21.63M 21.32M 21.02M 20.75M 20.71M 20.49M 20.49M 20.26M 20.13M
Cash Dividends to Common per Share		 $0.07 $0.07 $0.07 $0.07 $0.07 $0.07 $0.07 $0.07 $0.07 $0.07 $0.07

Annual Cash Flow Statements for Western New England Bancorp

This table details how cash moves in and out of Western New England Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -5.08 57 -43 -0.34 -2.05 63 16 -73 -1.50 38 -26
Net Cash From Operating Activities		 12 0.93 19 25 15 25 29 37 15 12 18
Net Cash From Continuing Operating Activities		 12 0.93 19 25 15 25 29 37 15 12 18
Net Income / (Loss) Continuing Operations		 5.72 4.83 12 16 13 11 24 26 15 12 15
Consolidated Net Income / (Loss)		 5.72 4.83 12 16 13 11 24 26 15 12 15
Provision For Loan Losses		 1.28 0.58 1.36 1.90 2.68 7.78 -0.93 0.70 0.87 -0.67 0.34
Depreciation Expense		 1.32 1.43 1.97 2.06 2.08 2.15 2.32 2.31 2.22 2.23 2.11
Amortization Expense		 5.05 3.58 1.18 1.70 2.77 1.97 4.00 2.51 2.27 2.05 1.82
Non-Cash Adjustments to Reconcile Net Income		 -1.25 -0.97 7.06 -1.16 -0.94 -3.94 0.22 1.84 -0.42 0.07 -1.22
Changes in Operating Assets and Liabilities, net		 -0.03 -8.52 -5.03 3.73 -4.56 5.91 -0.53 3.52 -5.24 -3.18 -0.09
Net Cash From Investing Activities		 -31 34 -56 -46 -48 -124 -163 -112 -14 -47 -114
Net Cash From Continuing Investing Activities		 -31 34 -56 -46 -48 -124 -163 -112 -14 -47 -114
Purchase of Property, Leasehold Improvements and Equipment		 -3.22 -1.49 -2.21 -3.33 -1.29 -3.58 -3.46 -1.14 -2.90 -1.20 -1.07
Purchase of Investment Securities		 -238 -196 -131 -83 -155 -310 -241 -162 -45 -100 -145
Sale of Property, Leasehold Improvements and Equipment		 0.04 0.02 0.41 0.10 0.03 0.07 0.04 0.00 0.02 0.07 0.00
Sale and/or Maturity of Investments		 210 207 77 39 108 190 81 51 34 54 32
Net Cash From Financing Activities		 14 22 -5.99 21 31 161 150 1.99 -2.57 72 69
Net Cash From Continuing Financing Activities		 14 22 -5.99 21 31 161 150 1.99 -2.57 72 69
Net Change in Deposits		 66 72 -11 90 82 360 214 -27 -86 119 98
Issuance of Debt		 35 41 61 113 58 59 20 0.00 95 87 7.88
Repayment of Debt		 -81 -90 -49 -155 -85 -243 -56 40 -0.53 -121 -25
Repurchase of Common Equity		 -3.91 -1.38 -9.31 -23 -19 -11 -23 -6.35 -5.02 -7.60 -6.10
Payment of Dividends		 -2.10 -2.44 -3.58 -4.64 -5.27 -5.04 -4.68 -5.28 -6.07 -5.91 -5.71

Quarterly Cash Flow Statements for Western New England Bancorp

This table details how cash moves in and out of Western New England Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 31 -33 -6.23 31 19 -6.35 44 -17 -10 -43 16
Net Cash From Operating Activities		 7.65 8.86 1.17 1.96 2.98 6.06 -0.83 6.82 5.58 7.06 0.35
Net Cash From Continuing Operating Activities		 7.65 8.86 1.17 1.96 2.98 6.06 -0.83 6.82 5.58 7.06 0.35
Net Income / (Loss) Continuing Operations		 4.49 2.51 2.96 3.51 1.90 3.29 2.30 4.59 3.17 5.21 4.78
Consolidated Net Income / (Loss)		 4.49 2.51 2.96 3.51 1.90 3.29 2.30 4.59 3.17 5.21 4.78
Provision For Loan Losses		 0.35 0.49 -0.55 -0.29 0.94 -0.76 0.14 -0.62 1.29 -0.49 0.08
Depreciation Expense		 0.54 0.57 0.56 0.55 0.55 0.57 0.55 0.54 0.52 0.50 0.49
Amortization Expense		 0.55 0.55 0.43 0.53 0.54 0.56 0.47 0.39 0.39 0.56 0.46
Non-Cash Adjustments to Reconcile Net Income		 -0.81 0.16 0.20 -0.06 -0.27 0.19 -0.18 -0.07 -0.04 -0.93 -0.89
Changes in Operating Assets and Liabilities, net		 2.53 4.58 -2.43 -2.28 -0.68 2.21 -4.12 1.98 0.25 2.20 -4.56
Net Cash From Investing Activities		 5.39 -13 0.57 1.27 -30 -18 -17 -21 -33 -43 -12
Net Cash From Continuing Investing Activities		 5.39 -13 0.57 1.27 -30 -18 -17 -21 -33 -43 -12
Purchase of Property, Leasehold Improvements and Equipment		 -0.71 -1.39 0.02 -0.33 -0.07 -0.82 -0.29 -0.28 -0.26 -0.66 -0.73
Purchase of Investment Securities		 -3.03 -17 -8.57 -4.38 -58 -32 -23 -29 -41 -52 -21
Sale and/or Maturity of Investments		 9.14 5.83 9.10 5.98 28 15 6.72 7.87 8.26 9.29 9.62
Net Cash From Financing Activities		 18 -29 -7.97 28 47 5.74 62 -3.18 17 -6.27 27
Net Cash From Continuing Financing Activities		 18 -29 -7.97 28 47 5.74 62 -3.18 17 -6.27 27
Net Change in Deposits		 18 -33 0.00 28 52 38 66 1.52 20 11 21
Issuance of Debt		 - -25 - - - - -0.87 - - 7.88 11
Repurchase of Common Equity		 -0.97 -1.92 -1.83 -1.69 -2.10 -1.98 -2.11 -2.79 -0.02 -1.18 -2.75
Payment of Dividends		 -1.52 -1.48 -1.50 -1.49 -1.47 -1.45 -1.44 -1.44 -1.42 -1.42 -1.37
Cash Interest Paid		 8.36 - 10 16 13 - 13 12 12 - 11
Cash Income Taxes Paid		 -1.05 - 0.63 1.66 0.32 - 0.53 1.75 2.16 - 2.44

Annual Balance Sheets for Western New England Bancorp

This table presents Western New England Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,340 2,076 2,083 2,119 2,181 2,366 2,538 2,553 2,565 2,653 2,736
Cash and Due from Banks		 9.89 23 22 21 17 17 15 26 21 19 20
Federal Funds Sold		 0.10 4.39 0.32 1.25 1.64 2.99 4.90 1.65 2.99 9.26 2.24
Interest Bearing Deposits at Other Banks		 - - - - 6.47 67 83 3.11 5.07 38 18
Trading Account Securities		 421 300 288 260 234 214 429 383 361 366 365
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,971 2,007 2,051 2,163
Premises and Equipment, Net		 14 21 24 25 24 25 26 25 26 24 23
Goodwill		 - 14 12 12 12 12 12 12 12 12 12
Intangible Assets		 - 4.44 4.06 3.69 3.31 2.94 2.56 2.19 1.81 1.44 1.06
Other Assets		 82 147 107 106 115 109 113 128 128 131 131
Total Liabilities & Shareholders' Equity		 1,340 2,076 2,083 2,119 2,181 2,366 2,538 2,553 2,565 2,653 2,736
Total Liabilities		 1,200 1,838 1,836 1,882 1,949 2,139 2,315 2,325 2,327 2,417 2,489
Non-Interest Bearing Deposits		 158 304 312 355 393 542 641 646 580 566 595
Interest Bearing Deposits		 743 1,214 1,194 1,241 1,285 1,502 1,616 1,584 1,564 1,697 1,766
Short-Term Debt		 128 172 - 59 35 - 0.00 41 16 5.39 13
Long-Term Debt		 153 125 310 208 206 58 22 21 140 118 93
Other Long-Term Liabilities		 18 22 20 18 31 38 36 33 27 23 22
Total Equity & Noncontrolling Interests		 139 238 247 237 232 227 224 228 237 236 248
Total Preferred & Common Equity		 139 238 247 237 232 227 224 228 237 236 248
Preferred Stock		 - 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 139 238 247 237 232 227 224 228 237 236 248
Common Stock		 108 206 204 182 165 155 133 129 126 120 115
Retained Earnings		 49 52 63 74 82 88 107 128 137 143 152
Accumulated Other Comprehensive Income / (Loss)		 -11 -13 -13 -13 -8.97 -11 -12 -25 -22 -23 -17
Other Equity Adjustments		 -7.27 -6.95 -6.58 -6.04 -5.70 -5.24 -4.42 -3.92 -3.51 -3.10 -2.67

Quarterly Balance Sheets for Western New England Bancorp

This table presents Western New England Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,585 2,557 2,586 2,640 2,709 2,711 2,736 2,765
Cash and Due from Banks		 22 19 23 29 27 30 26 22
Federal Funds Sold		 9.06 0.71 1.95 13 4.79 6.09 7.10 3.85
Interest Bearing Deposits at Other Banks		 31 2.66 28 32 78 57 50 30
Trading Account Securities		 356 360 353 369 370 377 373 359
Loans and Leases, Net of Allowance		 1,995 2,006 2,007 2,029 2,060 2,073 2,111 2,181
Premises and Equipment, Net		 25 25 25 24 24 23 23 24
Goodwill		 12 12 12 12 12 12 12 12
Intangible Assets		 1.91 1.72 1.63 1.53 1.34 1.25 1.16 0.97
Other Assets		 133 130 134 131 131 131 132 132
Total Liabilities & Shareholders' Equity		 2,585 2,557 2,586 2,640 2,709 2,711 2,736 2,765
Total Liabilities		 2,354 2,321 2,350 2,400 2,472 2,472 2,492 2,516
Non-Interest Bearing Deposits		 594 560 553 569 590 595 590 598
Interest Bearing Deposits		 1,583 1,584 1,618 1,656 1,739 1,735 1,760 1,784
Short-Term Debt		 8.89 11 6.57 4.39 4.52 4.04 2.98 24
Long-Term Debt		 141 140 148 148 118 118 118 93
Other Long-Term Liabilities		 26 26 23 23 19 20 21 18
Total Equity & Noncontrolling Interests		 231 236 236 241 238 239 244 248
Total Preferred & Common Equity		 231 236 236 241 238 239 244 248
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 231 236 236 241 238 239 244 248
Common Stock		 128 125 124 122 119 116 116 113
Retained Earnings		 136 138 140 141 144 147 149 156
Accumulated Other Comprehensive Income / (Loss)		 -29 -24 -24 -18 -21 -20 -18 -17
Other Equity Adjustments		 -3.96 -4.45 -3.99 -3.54 -3.94 -3.61 -3.12 -3.69

Annual Metrics And Ratios for Western New England Bancorp

This table displays calculated financial ratios and metrics derived from Western New England Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 18,349,739.00 30,249,899.00 30,634,170.00 29,315,837.00 26,561,742.00 25,527,199.00 22,693,541.00 22,176,019.00 21,712,815.00 - 20,491,966.00
DEI Adjusted Shares Outstanding		 18,349,739.00 30,249,899.00 30,634,170.00 29,315,837.00 26,561,742.00 25,527,199.00 22,693,541.00 22,176,019.00 21,712,815.00 - 20,491,966.00
DEI Earnings Per Adjusted Shares Outstanding		 0.31 0.16 0.40 0.56 0.50 0.44 1.04 1.17 0.69 - 0.75
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.87% 18.43% 56.86% 1.99% -2.49% 9.13% 16.37% 7.96% -14.86% -7.72% 13.60%
EBITDA Growth		 0.72% -12.63% 100.58% -0.14% -11.97% -16.52% 108.23% 3.71% -38.98% -20.09% 23.27%
EBIT Growth		 -2.55% -5.56% 193.77% -2.94% -19.29% -16.91% 124.10% 9.16% -43.45% -23.63% 32.31%
NOPAT Growth		 -7.25% -15.42% 154.86% 33.18% -18.64% -15.99% 111.32% 9.23% -41.79% -22.58% 30.88%
Net Income Growth		 -7.25% -15.42% 154.86% 33.18% -18.64% -15.99% 111.32% 9.23% -41.79% -22.58% 30.88%
EPS Growth		 -2.94% -27.27% 70.83% 39.02% -10.53% -11.76% 126.67% 15.69% -40.68% -20.00% 33.93%
Operating Cash Flow Growth		 -2.19% -92.30% 1,928.06% 30.63% -37.58% 63.00% 14.86% 27.70% -59.82% -17.62% 49.65%
Free Cash Flow Firm Growth		 551.88% -304.70% 91.67% 855.77% -34.22% 339.25% -68.67% -129.63% -378.57% 152.55% -55.63%
Invested Capital Growth		 -10.19% 27.15% 4.00% -9.43% -6.34% -39.76% -13.59% 18.04% 35.66% -8.84% -1.49%
Revenue Q/Q Growth		 1.22% 15.22% 3.41% -0.42% 0.16% 5.88% 1.40% 4.60% -8.81% -0.50% 4.39%
EBITDA Q/Q Growth		 -2.54% 6.67% 0.59% 3.64% 2.75% 6.08% 11.51% 7.41% -26.56% 4.06% 10.18%
EBIT Q/Q Growth		 -3.14% 15.55% 13.26% -1.90% -4.51% 18.00% 6.00% 13.57% -30.85% 5.23% 12.85%
NOPAT Q/Q Growth		 -4.35% 10.29% -15.19% 34.36% -2.94% 16.35% 5.37% 12.20% -30.21% 7.14% 14.39%
Net Income Q/Q Growth		 -4.35% 10.29% -15.19% 34.36% -2.94% 16.35% 5.37% 12.20% -30.21% 7.14% 14.39%
EPS Q/Q Growth		 -5.71% 4.35% -19.61% 32.56% 2.00% 18.42% 6.25% 13.46% -29.29% 7.69% 13.64%
Operating Cash Flow Q/Q Growth		 -0.99% -84.95% 71.89% -3.98% -35.08% 90.42% 9.10% 22.09% -35.25% -18.74% 5.83%
Free Cash Flow Firm Q/Q Growth		 9.93% -413.28% 93.50% 60.33% -26.51% 97.48% -61.54% -270.73% 15.80% 3,219.60% -50.91%
Invested Capital Q/Q Growth		 -1.41% 35.02% 1.03% -3.09% -0.03% -25.38% 1.73% 14.29% 3.46% -8.65% -2.94%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 38.87% 28.68% 36.67% 35.90% 32.41% 24.80% 44.37% 42.62% 30.55% 26.46% 28.71%
EBIT Margin		 21.45% 17.10% 32.03% 30.48% 25.23% 19.21% 37.00% 37.41% 24.85% 20.57% 23.96%
Profit (Net Income) Margin		 15.64% 11.17% 18.15% 23.70% 19.77% 15.22% 27.64% 27.97% 19.12% 16.04% 18.48%
Tax Burden Percent		 72.90% 65.30% 56.65% 77.73% 77.61% 79.22% 74.70% 74.76% 76.94% 78.00% 77.16%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.97% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.10% 34.70% 43.35% 22.27% 22.39% 20.78% 25.30% 25.24% 23.06% 22.00% 22.84%
Return on Invested Capital (ROIC)		 1.28% 1.01% 2.26% 3.09% 2.73% 2.96% 8.93% 9.65% 4.40% 3.10% 4.28%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.28% 1.01% 2.26% 3.09% 2.73% 2.96% 8.93% 9.65% 4.40% 3.10% 4.28%
Return on Net Nonoperating Assets (RNNOA)		 2.77% 1.55% 2.82% 3.68% 2.96% 1.93% 1.59% 1.81% 2.07% 1.83% 2.03%
Return on Equity (ROE)		 4.05% 2.56% 5.07% 6.78% 5.69% 4.89% 10.53% 11.46% 6.47% 4.93% 6.32%
Cash Return on Invested Capital (CROIC)		 12.02% -22.89% -1.67% 12.98% 9.28% 52.59% 23.51% -6.89% -25.86% 12.35% 5.79%
Operating Return on Assets (OROA)		 0.59% 0.43% 1.05% 1.00% 0.79% 0.62% 1.29% 1.36% 0.77% 0.57% 0.73%
Return on Assets (ROA)		 0.43% 0.28% 0.59% 0.78% 0.62% 0.49% 0.97% 1.02% 0.59% 0.45% 0.57%
Return on Common Equity (ROCE)		 4.05% 2.56% 5.07% 6.78% 5.69% 4.89% 10.53% 11.46% 6.47% 4.93% 6.32%
Return on Equity Simple (ROE_SIMPLE)		 4.10% 2.03% 4.98% 6.92% 5.75% 4.95% 10.59% 11.35% 6.35% 4.95% 6.17%
Net Operating Profit after Tax (NOPAT)		 5.72 4.83 12 16 13 11 24 26 15 12 15
NOPAT Margin		 15.64% 11.17% 18.15% 23.70% 19.77% 15.22% 27.64% 27.97% 19.12% 16.04% 18.48%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 56.63% 54.67% 50.68% 51.34% 55.71% 53.49% 50.29% 47.53% 55.87% 61.11% 58.35%
Operating Expenses to Revenue		 75.06% 81.57% 65.97% 66.77% 70.81% 70.24% 64.08% 61.83% 74.04% 80.35% 75.64%
Earnings before Interest and Taxes (EBIT)		 7.84 7.40 22 21 17 14 32 35 20 15 20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 14 12 25 25 22 18 38 39 24 19 24
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.89 0.97 1.12 1.04 0.95 0.69 0.81 0.85 0.77 0.81 1.04
Price to Tangible Book Value (P/TBV)		 0.89 1.05 1.20 1.12 1.02 0.74 0.87 0.90 0.82 0.86 1.10
Price to Revenue (P/Rev)		 3.40 5.35 4.07 3.58 3.26 2.12 2.11 2.09 2.32 2.64 3.11
Price to Earnings (P/E)		 21.74 47.89 22.45 15.09 16.26 13.93 7.63 7.46 12.11 16.46 16.85
Dividend Yield		 1.77% 1.57% 1.33% 1.89% 2.42% 3.27% 2.51% 2.76% 3.33% 3.07% 2.23%
Earnings Yield		 4.60% 2.09% 4.45% 6.63% 6.15% 7.18% 13.11% 13.40% 8.26% 6.08% 5.93%
Enterprise Value to Invested Capital (EV/IC)		 0.94 0.94 1.01 0.98 0.92 0.45 0.41 0.78 0.79 0.69 0.91
Enterprise Value to Revenue (EV/Rev)		 10.84 11.58 8.31 7.12 6.45 1.72 1.16 2.43 3.94 3.42 3.91
Enterprise Value to EBITDA (EV/EBITDA)		 27.87 40.37 22.67 19.84 19.90 6.94 2.62 5.70 12.88 12.93 13.62
Enterprise Value to EBIT (EV/EBIT)		 50.52 67.68 25.95 23.37 25.57 8.96 3.14 6.50 15.84 16.63 16.32
Enterprise Value to NOPAT (EV/NOPAT)		 69.29 103.64 45.81 30.06 32.63 11.31 4.21 8.69 20.58 21.32 21.15
Enterprise Value to Operating Cash Flow (EV/OCF)		 32.79 538.72 29.92 20.02 28.32 5.06 3.46 6.12 20.99 20.43 17.73
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.40 0.00 0.00 7.16 9.61 0.64 1.60 0.00 0.00 5.35 15.66
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.02 1.25 1.25 1.13 1.04 0.26 0.10 0.27 0.66 0.52 0.43
Long-Term Debt to Equity		 1.10 0.52 1.25 0.88 0.89 0.26 0.10 0.09 0.59 0.50 0.37
Financial Leverage		 2.16 1.53 1.25 1.19 1.08 0.65 0.18 0.19 0.47 0.59 0.47
Leverage Ratio		 9.43 9.04 8.56 8.68 9.17 9.91 10.89 11.27 10.99 11.02 11.15
Compound Leverage Factor		 9.43 9.04 8.56 8.68 9.26 9.91 10.89 11.27 10.99 11.02 11.15
Debt to Total Capital		 66.89% 55.49% 55.61% 53.02% 50.90% 20.38% 9.06% 21.42% 39.72% 34.30% 29.99%
Short-Term Debt to Total Capital		 30.48% 32.18% 0.00% 11.74% 7.41% 0.00% 0.00% 14.24% 4.09% 1.50% 3.75%
Long-Term Debt to Total Capital		 36.41% 23.31% 55.61% 41.27% 43.49% 20.38% 9.06% 7.18% 35.64% 32.80% 26.23%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 33.11% 44.51% 44.39% 46.98% 49.10% 79.62% 90.94% 78.58% 60.28% 65.70% 70.01%
Debt to EBITDA		 19.83 23.94 12.44 10.76 10.99 3.18 0.59 1.58 6.50 6.40 4.47
Net Debt to EBITDA		 19.13 21.71 11.56 9.88 9.86 -1.61 -2.13 0.81 5.30 2.95 2.77
Long-Term Debt to EBITDA		 10.79 10.06 12.44 8.38 9.39 3.18 0.59 0.53 5.83 6.12 3.91
Debt to NOPAT		 49.30 61.48 25.14 16.30 18.02 5.17 0.94 2.40 10.38 10.56 6.95
Net Debt to NOPAT		 47.55 55.75 23.36 14.97 16.16 -2.62 -3.43 1.23 8.47 4.86 4.30
Long-Term Debt to NOPAT		 26.83 25.82 25.14 12.69 15.40 5.17 0.94 0.81 9.32 10.09 6.08
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 54 -110 -9.12 69 45 199 62 -18 -88 46 21
Operating Cash Flow to CapEx		 380.23% 63.39% 1,046.67% 763.50% 1,222.50% 713.14% 841.65% 3,216.97% 512.24% 1,084.67% 1,697.39%
Free Cash Flow to Firm to Interest Expense		 4.96 -9.70 -0.62 3.63 1.88 10.79 9.35 -2.76 -2.66 0.93 0.43
Operating Cash Flow to Interest Expense		 1.12 0.08 1.29 1.30 0.64 1.36 4.32 5.49 0.44 0.24 0.38
Operating Cash Flow Less CapEx to Interest Expense		 0.82 -0.05 1.16 1.13 0.59 1.17 3.80 5.32 0.36 0.22 0.35
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 2.89 2.51 3.06 2.88 2.79 3.02 3.35 3.62 3.12 2.91 3.46
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 421 536 557 505 473 285 246 290 394 359 354
Invested Capital Turnover		 0.08 0.09 0.12 0.13 0.14 0.19 0.32 0.35 0.23 0.19 0.23
Increase / (Decrease) in Invested Capital		 -48 114 21 -53 -32 -188 -39 44 104 -35 -5.35
Enterprise Value (EV)		 396 501 564 493 436 127 100 225 310 249 323
Market Capitalization		 124 232 277 248 220 156 181 193 183 192 257
Book Value per Share		 $7.60 $7.88 $8.07 $8.09 $8.74 $8.88 $9.86 $10.29 $10.93 $11.22 $12.08
Tangible Book Value per Share		 $7.60 $7.28 $7.53 $7.53 $8.14 $8.27 $9.19 $9.63 $10.28 $10.56 $11.42
Total Capital		 421 536 557 505 473 285 246 290 394 359 354
Total Debt		 282 297 310 267 241 58 22 62 156 123 106
Total Long-Term Debt		 153 125 310 208 206 58 22 21 140 118 93
Net Debt		 272 270 288 246 216 -29 -81 32 128 57 66
Capital Expenditures (CapEx)		 3.18 1.47 1.80 3.23 1.26 3.52 3.42 1.14 2.88 1.12 1.07
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 282 297 310 267 241 58 22 62 156 123 106
Total Depreciation and Amortization (D&A)		 6.37 5.01 3.15 3.75 4.85 4.11 6.32 4.83 4.49 4.28 3.93
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.33 $0.25 $0.41 $0.57 $0.51 $0.45 $1.02 $1.18 $0.70 $0.56 $0.76
Adjusted Weighted Average Basic Shares Outstanding		 17.50M 19.71M 29.86M 28.89M 26.19M 25.05M 23.22M 21.88M 21.54M 20.90M 20.19M
Adjusted Diluted Earnings per Share		 $0.33 $0.24 $0.41 $0.57 $0.51 $0.45 $1.02 $1.18 $0.70 $0.56 $0.75
Adjusted Weighted Average Diluted Shares Outstanding		 17.50M 19.80M 30.03M 29.03M 26.30M 25.06M 23.30M 21.94M 21.61M 21.02M 20.32M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 18.27M 30.69M 30.28M 27.26M 26.20M 25.10M 22.66M 22.21M 21.58M 20.75M 20.26M
Normalized Net Operating Profit after Tax (NOPAT)		 5.72 7.48 13 16 13 12 24 26 15 12 15
Normalized NOPAT Margin		 15.64% 17.28% 18.58% 23.70% 19.77% 16.28% 27.68% 27.97% 19.12% 16.04% 18.48%
Pre Tax Income Margin		 21.45% 17.10% 32.03% 30.48% 25.48% 19.21% 37.00% 37.41% 24.85% 20.57% 23.96%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.73 0.66 1.49 1.11 0.71 0.77 4.75 5.17 0.59 0.30 0.41
NOPAT to Interest Expense		 0.53 0.43 0.84 0.86 0.55 0.61 3.55 3.87 0.45 0.23 0.31
EBIT Less CapEx to Interest Expense		 0.43 0.53 1.36 0.94 0.65 0.58 4.24 5.00 0.50 0.28 0.39
NOPAT Less CapEx to Interest Expense		 0.24 0.30 0.72 0.69 0.50 0.42 3.04 3.70 0.37 0.21 0.29
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 36.71% 50.46% 29.05% 28.29% 39.51% 44.91% 19.74% 20.40% 40.26% 50.69% 37.41%
Augmented Payout Ratio		 105.06% 78.96% 104.65% 167.97% 185.25% 138.71% 117.97% 44.93% 73.59% 115.83% 77.34%

Quarterly Metrics And Ratios for Western New England Bancorp

This table displays calculated financial ratios and metrics derived from Western New England Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 22,082,403.00 21,712,815.00 21,581,759.00 21,627,690.00 21,318,286.00 - 20,748,498.00 20,711,028.00 20,491,966.00 20,491,966.00 40,521,196.00
DEI Adjusted Shares Outstanding		 22,082,403.00 21,712,815.00 21,581,759.00 21,627,690.00 21,318,286.00 - 20,748,498.00 20,711,028.00 20,491,966.00 20,491,966.00 40,521,196.00
DEI Earnings Per Adjusted Shares Outstanding		 0.20 0.12 0.14 0.16 0.09 - 0.11 0.22 0.15 0.25 0.12
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -12.60% -28.74% -16.12% -0.73% -10.63% -1.92% 1.52% 15.02% 19.01% 18.76% 21.68%
EBITDA Growth		 -27.51% -64.77% -41.40% 17.16% -45.41% 15.85% -16.54% 29.46% 41.38% 39.93% 78.75%
EBIT Growth		 -29.73% -70.71% -45.69% 23.57% -54.34% 20.56% -21.67% 40.34% 66.30% 51.66% 108.12%
NOPAT Growth		 -25.15% -72.21% -44.17% 27.14% -57.59% 30.94% -22.22% 30.66% 66.33% 58.42% 107.43%
Net Income Growth		 -25.15% -72.21% -44.17% 27.14% -57.59% 30.94% -22.22% 30.66% 66.33% 58.42% 107.43%
EPS Growth		 -25.00% -70.73% -41.67% 30.77% -57.14% 33.33% -21.43% 35.29% 77.78% 56.25% 118.18%
Operating Cash Flow Growth		 -32.94% -47.58% 119.61% -53.75% -61.02% -31.67% -170.73% 247.38% 87.15% 16.56% 141.74%
Free Cash Flow Firm Growth		 -1,855.07% -185.86% 98.83% 96.03% 91.42% 137.72% 1,972.58% 727.39% 403.86% -72.28% -99.91%
Invested Capital Growth		 49.85% 35.66% 1.19% 2.35% 3.25% -8.84% -7.14% -7.62% -7.29% -1.49% 1.32%
Revenue Q/Q Growth		 8.44% -5.53% -4.61% 1.58% -2.38% 3.68% -1.26% 15.09% 1.01% 3.47% 1.16%
EBITDA Q/Q Growth		 44.27% -28.31% 0.78% 12.40% -32.77% 52.13% -27.40% 74.35% -26.58% 50.58% -7.26%
EBIT Q/Q Growth		 59.30% -34.47% 4.67% 13.09% -41.13% 73.00% -32.00% 102.63% -30.24% 57.77% -6.68%
NOPAT Q/Q Growth		 62.50% -44.08% 17.92% 18.64% -45.80% 72.69% -29.96% 99.31% -31.00% 64.48% -8.29%
Net Income Q/Q Growth		 62.50% -44.08% 17.92% 18.64% -45.80% 72.69% -29.96% 99.31% -31.00% 64.48% -8.29%
EPS Q/Q Growth		 61.54% -42.86% 16.67% 21.43% -47.06% 77.78% -31.25% 109.09% -30.43% 56.25% -4.00%
Operating Cash Flow Q/Q Growth		 80.14% 15.92% -86.78% 67.49% 51.81% 103.19% -113.69% 649.48% -18.21% 26.56% -95.10%
Free Cash Flow Firm Q/Q Growth		 11.59% 17.31% 98.42% -242.54% -91.01% 463.76% -21.32% 14.76% -7.49% -66.81% -99.73%
Invested Capital Q/Q Growth		 -0.36% 3.46% -1.58% 0.88% 0.51% -8.65% 0.25% 0.36% 0.88% -2.94% 3.11%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.05% 25.08% 26.50% 29.32% 20.19% 29.63% 21.78% 33.00% 23.99% 34.91% 32.00%
EBIT Margin		 27.62% 19.16% 21.02% 23.40% 14.11% 23.55% 16.22% 28.56% 19.72% 30.07% 27.74%
Profit (Net Income) Margin		 22.46% 13.29% 16.43% 19.19% 10.66% 17.75% 12.59% 21.80% 14.89% 23.68% 21.46%
Tax Burden Percent		 81.30% 69.38% 78.17% 82.00% 75.50% 75.36% 77.62% 76.35% 75.51% 78.72% 77.36%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.70% 30.62% 21.83% 18.00% 24.50% 24.64% 22.38% 23.65% 24.49% 21.28% 22.64%
Return on Invested Capital (ROIC)		 6.12% 3.06% 3.21% 3.73% 2.01% 3.43% 2.46% 4.39% 3.11% 5.49% 5.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.12% 3.06% 3.21% 3.73% 2.01% 3.43% 2.46% 4.39% 3.11% 5.49% 5.13%
Return on Net Nonoperating Assets (RNNOA)		 2.65% 1.44% 2.07% 2.40% 1.29% 2.03% 1.42% 2.55% 1.76% 2.60% 2.52%
Return on Equity (ROE)		 8.77% 4.50% 5.28% 6.14% 3.30% 5.45% 3.88% 6.94% 4.87% 8.09% 7.65%
Cash Return on Invested Capital (CROIC)		 -33.10% -25.86% 2.12% 1.16% -0.39% 12.35% 10.35% 11.14% 11.09% 5.79% 3.59%
Operating Return on Assets (OROA)		 0.92% 0.59% 0.62% 0.68% 0.39% 0.66% 0.45% 0.82% 0.58% 0.92% 0.88%
Return on Assets (ROA)		 0.75% 0.41% 0.48% 0.56% 0.30% 0.49% 0.35% 0.62% 0.44% 0.73% 0.68%
Return on Common Equity (ROCE)		 8.77% 4.50% 5.30% 6.14% 3.30% 5.45% 3.88% 6.94% 4.87% 8.09% 7.65%
Return on Equity Simple (ROE_SIMPLE)		 9.35% 0.00% 5.40% 5.70% 4.52% 0.00% 4.63% 5.05% 5.48% 0.00% 7.15%
Net Operating Profit after Tax (NOPAT)		 4.49 2.51 2.96 3.51 1.90 3.29 2.30 4.59 3.17 5.21 4.78
NOPAT Margin		 22.46% 13.29% 16.43% 19.19% 10.66% 17.75% 12.59% 21.80% 14.89% 23.68% 21.46%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.92% 57.70% 62.72% 58.93% 61.29% 61.53% 63.54% 56.82% 57.60% 56.22% 56.10%
Operating Expenses to Revenue		 70.61% 78.27% 82.03% 78.20% 80.62% 80.56% 83.00% 74.36% 74.20% 72.13% 71.92%
Earnings before Interest and Taxes (EBIT)		 5.52 3.62 3.79 4.28 2.52 4.36 2.97 6.01 4.19 6.62 6.18
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6.61 4.74 4.78 5.37 3.61 5.49 3.99 6.95 5.10 7.68 7.12
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.59 0.77 0.67 0.61 0.73 0.81 0.79 0.79 1.01 1.04 1.06
Price to Tangible Book Value (P/TBV)		 0.63 0.82 0.72 0.64 0.78 0.86 0.84 0.84 1.07 1.10 1.12
Price to Revenue (P/Rev)		 1.58 2.32 2.11 1.90 2.41 2.64 2.58 2.51 3.11 3.11 3.03
Price to Earnings (P/E)		 6.34 12.11 12.47 10.63 16.17 16.46 17.10 15.72 18.44 16.85 14.76
Dividend Yield		 4.36% 3.33% 3.81% 4.23% 3.39% 3.07% 3.09% 3.05% 2.33% 2.23% 2.17%
Earnings Yield		 15.77% 8.26% 8.02% 9.41% 6.18% 6.08% 5.85% 6.36% 5.42% 5.93% 6.77%
Enterprise Value to Invested Capital (EV/IC)		 0.59 0.79 0.74 0.62 0.65 0.69 0.56 0.60 0.78 0.91 0.88
Enterprise Value to Revenue (EV/Rev)		 2.60 3.94 3.82 3.25 3.50 3.42 2.74 2.88 3.59 3.91 3.72
Enterprise Value to EBITDA (EV/EBITDA)		 6.84 12.88 13.90 11.37 13.83 12.93 10.84 10.91 13.19 13.62 12.01
Enterprise Value to EBIT (EV/EBIT)		 7.92 15.84 17.56 14.20 17.99 16.63 14.15 13.77 16.19 16.32 14.02
Enterprise Value to NOPAT (EV/NOPAT)		 10.39 20.58 22.62 18.14 23.48 21.32 18.17 18.08 21.27 21.15 18.17
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.83 20.99 13.13 12.44 17.07 20.43 19.66 14.95 16.50 17.73 16.63
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 35.27 54.57 0.00 5.35 5.17 5.21 6.76 15.66 24.81
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.65 0.66 0.64 0.65 0.63 0.52 0.51 0.51 0.50 0.43 0.47
Long-Term Debt to Equity		 0.61 0.59 0.60 0.63 0.62 0.50 0.50 0.49 0.48 0.37 0.37
Financial Leverage		 0.43 0.47 0.64 0.64 0.64 0.59 0.58 0.58 0.56 0.47 0.49
Leverage Ratio		 11.67 10.99 10.91 10.94 11.08 11.02 11.12 11.13 11.10 11.15 11.27
Compound Leverage Factor		 11.67 10.99 10.91 10.94 11.08 11.02 11.12 11.13 11.10 11.15 11.27
Debt to Total Capital		 39.34% 39.72% 39.17% 39.53% 38.77% 34.30% 33.97% 33.72% 33.14% 29.99% 31.97%
Short-Term Debt to Total Capital		 2.34% 4.09% 2.96% 1.68% 1.12% 1.50% 1.26% 1.12% 0.82% 3.75% 6.53%
Long-Term Debt to Total Capital		 37.01% 35.64% 36.21% 37.85% 37.66% 32.80% 32.72% 32.60% 32.32% 26.23% 25.45%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 60.66% 60.28% 60.83% 60.47% 61.23% 65.70% 66.03% 66.28% 66.86% 70.01% 68.03%
Debt to EBITDA		 4.57 6.50 7.33 7.19 8.24 6.40 6.63 6.08 5.61 4.47 4.34
Net Debt to EBITDA		 2.67 5.30 6.24 4.71 4.31 2.95 0.63 1.42 1.76 2.77 2.25
Long-Term Debt to EBITDA		 4.30 5.83 6.78 6.89 8.01 6.12 6.38 5.88 5.47 3.91 3.46
Debt to NOPAT		 6.94 10.38 11.93 11.47 14.00 10.56 11.11 10.08 9.05 6.95 6.57
Net Debt to NOPAT		 4.05 8.47 10.16 7.50 7.31 4.86 1.06 2.36 2.83 4.30 3.41
Long-Term Debt to NOPAT		 6.52 9.32 11.03 10.98 13.59 10.09 10.70 9.75 8.82 6.08 5.23
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% -0.43% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -122 -101 -1.60 -5.48 -10 38 30 34 32 11 0.03
Operating Cash Flow to CapEx		 1,073.74% 636.18% 0.00% 594.85% 4,257.14% 804.12% -288.85% 2,470.65% 2,153.28% 1,064.56% 47.14%
Free Cash Flow to Firm to Interest Expense		 -12.83 -9.53 -0.14 -0.44 -0.80 2.86 2.32 2.87 2.67 0.90 0.00
Operating Cash Flow to Interest Expense		 0.80 0.84 0.10 0.16 0.23 0.45 -0.06 0.57 0.47 0.60 0.03
Operating Cash Flow Less CapEx to Interest Expense		 0.73 0.71 0.11 0.13 0.22 0.40 -0.09 0.55 0.45 0.55 -0.03
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 3.48 3.12 3.05 3.05 2.98 2.91 3.00 3.14 3.34 3.46 3.66
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 381 394 388 391 393 359 360 361 364 354 365
Invested Capital Turnover		 0.27 0.23 0.20 0.19 0.19 0.19 0.20 0.20 0.21 0.23 0.24
Increase / (Decrease) in Invested Capital		 127 104 4.56 9.00 12 -35 -28 -30 -29 -5.35 4.75
Enterprise Value (EV)		 224 310 288 244 256 249 200 218 284 323 322
Market Capitalization		 137 183 159 143 176 192 188 190 246 257 262
Book Value per Share		 $10.46 $10.93 $10.93 $10.93 $11.29 $11.22 $11.46 $11.56 $11.89 $12.08 $12.25
Tangible Book Value per Share		 $9.81 $10.28 $10.27 $10.28 $10.63 $10.56 $10.79 $10.90 $11.22 $11.42 $11.58
Total Capital		 381 394 388 391 393 359 360 361 364 354 365
Total Debt		 150 156 152 155 152 123 122 122 121 106 117
Total Long-Term Debt		 141 140 140 148 148 118 118 118 118 93 93
Net Debt		 88 128 129 101 80 57 12 29 38 66 60
Capital Expenditures (CapEx)		 0.71 1.39 -0.03 0.33 0.07 0.75 0.29 0.28 0.26 0.66 0.73
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 150 156 152 155 152 123 122 122 121 106 117
Total Depreciation and Amortization (D&A)		 1.09 1.12 0.99 1.08 1.09 1.13 1.02 0.94 0.91 1.06 0.95
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.21 $0.12 $0.14 $0.17 $0.09 $0.16 $0.11 $0.23 $0.16 $0.26 $0.24
Adjusted Weighted Average Basic Shares Outstanding		 21.56M 21.54M 21.18M 21.06M 20.80M 20.90M 20.39M 20.21M 20.11M 20.19M 20.00M
Adjusted Diluted Earnings per Share		 $0.21 $0.12 $0.14 $0.17 $0.09 $0.16 $0.11 $0.23 $0.16 $0.25 $0.24
Adjusted Weighted Average Diluted Shares Outstanding		 21.68M 21.61M 21.27M 21.16M 20.93M 21.02M 20.51M 20.31M 20.24M 20.32M 20.07M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 21.71M 21.58M 21.63M 21.32M 21.02M 20.75M 20.71M 20.49M 20.49M 20.26M 20.13M
Normalized Net Operating Profit after Tax (NOPAT)		 4.49 2.51 2.96 3.51 1.90 3.29 2.30 4.59 3.17 5.21 4.78
Normalized NOPAT Margin		 22.46% 13.29% 16.43% 19.19% 10.66% 17.75% 12.59% 21.80% 14.89% 23.68% 21.46%
Pre Tax Income Margin		 27.62% 19.16% 21.02% 23.40% 14.11% 23.55% 16.22% 28.56% 19.72% 30.07% 27.74%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.58 0.34 0.34 0.35 0.19 0.33 0.23 0.50 0.35 0.57 0.54
NOPAT to Interest Expense		 0.47 0.24 0.26 0.28 0.15 0.25 0.18 0.38 0.27 0.44 0.42
EBIT Less CapEx to Interest Expense		 0.51 0.21 0.34 0.32 0.19 0.27 0.21 0.48 0.33 0.51 0.47
NOPAT Less CapEx to Interest Expense		 0.40 0.11 0.27 0.26 0.14 0.19 0.16 0.36 0.24 0.39 0.35
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 27.24% 40.26% 47.44% 44.55% 54.67% 50.69% 53.13% 47.93% 43.00% 37.41% 31.82%
Augmented Payout Ratio		 45.38% 73.59% 90.70% 92.07% 123.91% 115.83% 124.64% 122.18% 94.66% 77.34% 69.81%

Financials Breakdown Chart

Key Financial Trends

Western New England Bancorp (NASDAQ: WNEB) entered Q1 2026 with a larger balance sheet, improved profitability versus the prior quarter, and decent deposit growth, but the bank is also dealing with thinner liquidity, heavier reliance on deposits, and weaker operating cash flow than the very strong year-ago period.

On the income statement, Q1 2026 net income rose to $4.8 million, up from $3.2 million in Q3 2025, though it was slightly below the $5.2 million posted in Q4 2025. EPS held at $0.24, while pre-tax income came in at $6.2 million. Revenue improved modestly quarter over quarter, helped by stronger net interest income and steady fee income. However, compared with the same quarter a year ago, profits were lower, showing that earnings power has not fully returned to 2024 levels.

The balance sheet also expanded. Total assets reached $2.76 billion, up from $2.73 billion in Q3 2025 and $2.71 billion in Q2 2025. Loans and leases, net, rose to $2.18 billion from $2.11 billion in Q3 2025, which suggests continued loan growth. Deposits also increased sequentially, with total deposits moving up to roughly $2.38 billion from about $2.35 billion in the prior quarter, a positive sign for funding stability.

Cash flow was more mixed. WNEB generated only $346,000 of operating cash flow in Q1 2026, down sharply from $7.1 million in Q4 2025 and $5.6 million in Q3 2025. The company also used $11.9 million in investing cash, mainly from security purchases, and ended the quarter with a $15.8 million increase in cash and equivalents thanks to financing activity and deposit inflows. For a bank, that’s not alarming on its own, but the weak operating cash generation is worth watching.

Here are the most important takeaways for investors:

  • Net income improved sequentially to $4.8 million in Q1 2026 from $3.2 million in Q3 2025.
  • Total assets grew to $2.76 billion, showing continued balance sheet expansion.
  • Loans increased to $2.18 billion, indicating ongoing lending growth.
  • Deposits rose quarter over quarter, supporting the funding base.
  • Net interest income improved to $18.8 million, helping offset expense pressure.
  • Dividend remains intact at $0.07 per share, suggesting continued shareholder returns.
  • Provisioning stayed low at $75,000 in Q1 2026, which is manageable but not a major earnings driver.
  • Non-interest expense remained elevated at $16.0 million, keeping a lid on profitability.
  • Operating cash flow was weak at just $346,000, down sharply from recent quarters.
  • Net income was below the prior-year quarter, indicating earnings are improving only gradually versus 2024.

Bottom line: Western New England Bancorp looks stable and modestly improving, with growing loans, rising assets, and better sequential earnings. But profitability is still not consistently strong, and the weak operating cash flow in Q1 2026 suggests investors should keep an eye on funding quality, expense control, and loan performance going forward.

07/29/26 12:05 AM ETAI Generated. May Contain Errors.

Western New England Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Western New England Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Western New England Bancorp's net income appears to be on an upward trend, with a most recent value of $15.27 million in 2025, rising from $5.72 million in 2015. The previous period was $11.67 million in 2024. See where experts think Western New England Bancorp is headed by visiting Western New England Bancorp's forecast page.

Over the last 10 years, Western New England Bancorp's total revenue changed from $36.55 million in 2015 to $82.61 million in 2025, a change of 126.0%.

Western New England Bancorp's total liabilities were at $2.49 billion at the end of 2025, a 3.0% increase from 2024, and a 107.3% increase since 2015.

In the past 10 years, Western New England Bancorp's cash and equivalents has ranged from $9.89 million in 2015 to $25.58 million in 2022, and is currently $19.89 million as of their latest financial filing in 2025.

Over the last 10 years, Western New England Bancorp's book value per share changed from 7.60 in 2015 to 12.08 in 2025, a change of 59.0%.


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Financial statements for NASDAQ:WNEB last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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