WESTERN NEW ENGLAND BANCORP (WNEB) Stock Fundamental Analysis
NASDAQ:WNEB - US9588921018 - Common Stock
12.37 USD
+0.52 (+4.39%)
12.37 USD
0 (0%)
Taking everything into account, WNEB scores 3 out of 10 in our fundamental rating. WNEB was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of WNEB have multiple concerns. While showing a medium growth rate, WNEB is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
WNEB had positive earnings in the past year.
WNEB had a positive operating cash flow in the past year.
Each year in the past 5 years WNEB has been profitable.
In the past 5 years WNEB always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of WNEB (0.41%) is worse than 79.13% of its industry peers.
WNEB has a worse Return On Equity (4.63%) than 76.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 4.63% | ||
| ROIC | N/A |
ROA(3y)0.68%
ROA(5y)0.69%
ROE(3y)7.55%
ROE(5y)7.64%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
WNEB has a worse Profit Margin (15.61%) than 73.79% of its industry peers.
WNEB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for WNEB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15.61% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.63%
PM growth 5Y-3.39%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WNEB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WNEB has less shares outstanding
WNEB has less shares outstanding than it did 5 years ago.
WNEB has a better debt/assets ratio than last year.
2.2 Solvency
WNEB has a debt to FCF ratio of 2.31. This is a good value and a sign of high solvency as WNEB would need 2.31 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.31, WNEB perfoms like the industry average, outperforming 45.80% of the companies in the same industry.
WNEB has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
WNEB has a Debt to Equity ratio of 0.08. This is in the better half of the industry: WNEB outperforms 75.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 2.31 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WNEB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.38%.
The Earnings Per Share has been growing slightly by 2.29% on average over the past years.
Looking at the last year, WNEB shows a decrease in Revenue. The Revenue has decreased by -1.03% in the last year.
Measured over the past years, WNEB shows a small growth in Revenue. The Revenue has been growing by 0.75% on average per year.
EPS 1Y (TTM)-9.38%
EPS 3Y-15.68%
EPS 5Y2.29%
EPS Q2Q%29.41%
Revenue 1Y (TTM)-1.03%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%21.92%
3.2 Future
WNEB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.20% yearly.
The Revenue is expected to grow by 10.18% on average over the next years. This is quite good.
EPS Next Y31.75%
EPS Next 2Y23.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.07%
Revenue Next 2Y10.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 21.33, which indicates a rather expensive current valuation of WNEB.
Based on the Price/Earnings ratio, WNEB is valued more expensive than 81.17% of the companies in the same industry.
WNEB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.24.
With a Price/Forward Earnings ratio of 14.55, WNEB is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WNEB indicates a slightly more expensive valuation: WNEB is more expensive than 73.03% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of WNEB to the average of the S&P500 Index (35.82), we can say WNEB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.33 | ||
| Fwd PE | 14.55 |
4.2 Price Multiples
WNEB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. WNEB is more expensive than 76.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
WNEB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as WNEB's earnings are expected to grow with 23.20% in the coming years.
PEG (NY)0.67
PEG (5Y)9.3
EPS Next 2Y23.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.57%, WNEB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.34, WNEB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, WNEB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
5.2 History
The dividend of WNEB is nicely growing with an annual growth rate of 7.73%!
WNEB has been paying a dividend for at least 10 years, so it has a reliable track record.
WNEB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.73%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
53.13% of the earnings are spent on dividend by WNEB. This is a bit on the high side, but may be sustainable.
WNEB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP53.13%
EPS Next 2Y23.2%
EPS Next 3YN/A
12.37
+0.52 (+4.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners59.4%
Inst Owner Change7.87%
Ins Owners5.69%
Ins Owner Change7.48%
Market Cap253.46M
Analysts77.78
Price Target11.9 (-3.8%)
Short Float %3.17%
Short Ratio4.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
Yearly Dividend0.28
Dividend Growth(5Y)7.73%
DP53.13%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)14.42%
Min EPS beat(2)-7.57%
Max EPS beat(2)36.4%
EPS beat(4)2
Avg EPS beat(4)15.32%
Min EPS beat(4)-14.61%
Max EPS beat(4)47.06%
EPS beat(8)4
Avg EPS beat(8)8.28%
EPS beat(12)6
Avg EPS beat(12)7.85%
EPS beat(16)9
Avg EPS beat(16)8.37%
Revenue beat(2)0
Avg Revenue beat(2)-2.02%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)-1.81%
Revenue beat(4)0
Avg Revenue beat(4)-3.86%
Min Revenue beat(4)-9.64%
Max Revenue beat(4)-1.77%
Revenue beat(8)0
Avg Revenue beat(8)-3.84%
Revenue beat(12)4
Avg Revenue beat(12)2.16%
Revenue beat(16)8
Avg Revenue beat(16)5.86%
PT rev (1m)12.9%
PT rev (3m)14.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)21.23%
EPS NY rev (3m)21.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.23%
Revenue NY rev (1m)2.1%
Revenue NY rev (3m)2.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.33 | ||
| Fwd PE | 14.55 | ||
| P/S | 3.59 | ||
| P/FCF | 29.61 | ||
| P/OCF | 25.98 | ||
| P/B | 1.07 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.58
EY4.69%
EPS(NY)0.85
Fwd EY6.87%
FCF(TTM)0.42
FCFY3.38%
OCF(TTM)0.48
OCFY3.85%
SpS3.44
BVpS11.6
TBVpS10.92
PEG (NY)0.67
PEG (5Y)9.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 4.63% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15.61% | ||
| GM | N/A | ||
| FCFM | 12.14% |
ROA(3y)0.68%
ROA(5y)0.69%
ROE(3y)7.55%
ROE(5y)7.64%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.63%
PM growth 5Y-3.39%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 2.31 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 77.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC14.24%
ROIC/WACCN/A
Cap/Depr(3y)66.72%
Cap/Depr(5y)94.06%
Cap/Sales(3y)2.21%
Cap/Sales(5y)3.1%
Profit Quality(3y)102.62%
Profit Quality(5y)120.2%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.38%
EPS 3Y-15.68%
EPS 5Y2.29%
EPS Q2Q%29.41%
EPS Next Y31.75%
EPS Next 2Y23.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.03%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%21.92%
Revenue Next Year13.07%
Revenue Next 2Y10.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-60.89%
FCF growth 3Y-23.05%
FCF growth 5Y-4.88%
OCF growth 1Y-57.41%
OCF growth 3Y-23.83%
OCF growth 5Y-4.57%