Western New England Bancorp, In (WNEB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Western New England Bancorp, In

NasdaqGS•Financial Services•Banks - Regional

$13.89+0.18(0.01%)Market closed

Market Cap

$274.57M

P/E

16.4x

P/S

3.1x

P/B

1.1x

Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides various commercial and retail banking products and services to individuals and companies. It offers various deposit products, including commercial, small business, nonprofit and municipal checking, money market, sweep accounts, time deposits, interest-bearing and noninterest-bearing checking, and individual retirement accounts, as well as certificates of deposit. The company also originates and funds commercial and residential real estate loans, including first mortgages, home equity loans, and home equity lines, and secured by one-to-four family residential properties; home equity revolving loans and lines of credit; consumer loans, including automobile, spa and pool, collateral, and personal lines of credit; commercial and industrial loans, such as letters of credit, revolving lines of credit, working capital, equipment financing, and term loans; and construction and land development loans. In addition, it provides automated teller machine (ATM), telephone and online banking, remote deposit capture, cash management, overdraft and safe deposit facility, and night deposit services. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. The company was founded in 1853 and is headquartered in Westfield, Massachusetts.

How this company scores

WeakMetricSide Score: 83/100

Grade capped at D — Interest coverage below 1× (0.4x) — earnings cannot cover interest. Strongest: Growth (25/25); weakest: Balance Sheet & Red Flags (17/25).

Profitability18/25

Growth25/25

Balance Sheet & Red Flags17/25

Cash & Earnings Quality23/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.4x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 16.4x5y range 5.5x – 18.0x

Currently above its 20-quarter median.

P/S · 3.1x5y range 1.4x – 3.1x

Currently above its 20-quarter median.

P/B · 1.1x5y range 0.5x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $274.57M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $88.24M
Q. Revenue: $22.71M
TTM EBITDA: $23.89M
TTM Op. Income: $21.79M
Q. Op. Income: $4.80M
TTM Net Income: $16.75M
Q. Net Income: $3.60M
EPS: $0.18
Shares Out.: $19.78M

$88.24M in TTM revenue grew 16.5% YoY, reaching $22.71M last quarter. TTM EBITDA of $23.89M and TTM operating income of $21.79M show growth is flowing through to the bottom line. TTM net income of $16.75M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 49.5%
EBITDA Margin: 21.1%
Op. Margin: 21.1%
Net Margin: 15.8%

Op. margin of 21.1% is down 7.4% YoY — costs are rising relative to revenue. Net margin at 15.8% and gross margin of 49.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 16.4x
P/S Ratio: 3.1x
P/B Ratio: 1.1x

At 16.4x P/E, the stock trades within typical market levels. P/S of 3.1x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 6% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.73B
Cash: $37.67M
Long-Term Debt: $44.81M
Book Value: $248.28M
D/E Ratio: 0.2
Debt/EBITDA: 9.3

With $2.73B in assets and $44.81M in long-term debt, D/E is 0.2and book value is $248.28M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.64M
TTM Free Cash Flow: $17.20M
FCF Margin: 19.5%
FCF / Net Income: 1.0

TTM FCF of $17.20M on $6.64M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 27% — a weakening trend.