WESTERN NEW ENGLAND BANCORP (WNEB) Fundamental Analysis & Valuation

NASDAQ:WNEB • US9588921018

Current stock price

13.86 USD
+0.12 (+0.87%)
Last:

This WNEB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. WNEB Profitability Analysis

1.1 Basic Checks

  • In the past year WNEB was profitable.
  • WNEB had a positive operating cash flow in the past year.
  • WNEB had positive earnings in each of the past 5 years.
  • Each year in the past 5 years WNEB had a positive operating cash flow.
WNEB Yearly Net Income VS EBIT VS OCF VS FCFWNEB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M

1.2 Ratios

  • WNEB's Return On Assets of 0.56% is on the low side compared to the rest of the industry. WNEB is outperformed by 80.90% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.17%, WNEB is doing worse than 75.86% of the companies in the same industry.
Industry RankSector Rank
ROA 0.56%
ROE 6.17%
ROIC N/A
ROA(3y)0.53%
ROA(5y)0.71%
ROE(3y)5.82%
ROE(5y)7.88%
ROIC(3y)N/A
ROIC(5y)N/A
WNEB Yearly ROA, ROE, ROICWNEB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • WNEB's Profit Margin of 19.06% is on the low side compared to the rest of the industry. WNEB is outperformed by 74.80% of its industry peers.
  • WNEB's Profit Margin has improved in the last couple of years.
  • WNEB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 19.06%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.01%
PM growth 5Y4.59%
GM growth 3YN/A
GM growth 5YN/A
WNEB Yearly Profit, Operating, Gross MarginsWNEB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. WNEB Health Analysis

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
  • Compared to 5 years ago, WNEB has less shares outstanding
  • WNEB has a better debt/assets ratio than last year.
WNEB Yearly Shares OutstandingWNEB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
WNEB Yearly Total Debt VS Total AssetsWNEB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • WNEB has a debt to FCF ratio of 1.15. This is a very positive value and a sign of high solvency as it would only need 1.15 years to pay back of all of its debts.
  • WNEB's Debt to FCF ratio of 1.15 is fine compared to the rest of the industry. WNEB outperforms 63.13% of its industry peers.
  • 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 72.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.15
Altman-Z N/A
ROIC/WACCN/A
WACC14.71%
WNEB Yearly LT Debt VS Equity VS FCFWNEB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WNEB Yearly Current Assets VS Current LiabilitesWNEB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. WNEB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 33.93% over the past year.
  • Measured over the past 5 years, WNEB shows a small growth in Earnings Per Share. The EPS has been growing by 6.40% on average per year.
  • Looking at the last year, WNEB shows a quite strong growth in Revenue. The Revenue has grown by 14.01% in the last year.
  • Measured over the past years, WNEB shows a small growth in Revenue. The Revenue has been growing by 1.69% on average per year.
EPS 1Y (TTM)33.93%
EPS 3Y-14.26%
EPS 5Y6.4%
EPS Q2Q%62.5%
Revenue 1Y (TTM)14.01%
Revenue growth 3Y-4.69%
Revenue growth 5Y1.69%
Sales Q2Q%23.28%

3.2 Future

  • The Earnings Per Share is expected to grow by 20.44% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, WNEB will show a quite strong growth in Revenue. The Revenue will grow by 9.86% on average per year.
EPS Next Y29.65%
EPS Next 2Y20.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.54%
Revenue Next 2Y9.86%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
WNEB Yearly Revenue VS EstimatesWNEB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
WNEB Yearly EPS VS EstimatesWNEB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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3

4. WNEB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 18.48, WNEB is valued on the expensive side.
  • 83.02% of the companies in the same industry are cheaper than WNEB, based on the Price/Earnings ratio.
  • WNEB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.42.
  • Based on the Price/Forward Earnings ratio of 14.25, the valuation of WNEB can be described as correct.
  • Based on the Price/Forward Earnings ratio, WNEB is valued a bit more expensive than 75.86% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. WNEB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.48
Fwd PE 14.25
WNEB Price Earnings VS Forward Price EarningsWNEB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, WNEB is valued a bit more expensive than 67.64% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.38
EV/EBITDA N/A
WNEB Per share dataWNEB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The 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 20.44% in the coming years.
PEG (NY)0.62
PEG (5Y)2.89
EPS Next 2Y20.44%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. WNEB Dividend Analysis

5.1 Amount

  • WNEB has a Yearly Dividend Yield of 2.03%.
  • WNEB's Dividend Yield is slightly below the industry average, which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, WNEB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.03%

5.2 History

  • On average, the dividend of WNEB grows each year by 7.36%, which is quite nice.
  • WNEB has paid a dividend for at least 10 years, which is a reliable track record.
  • WNEB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.36%
Div Incr Years0
Div Non Decr Years10
WNEB Yearly Dividends per shareWNEB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • WNEB pays out 37.41% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of WNEB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP37.41%
EPS Next 2Y20.44%
EPS Next 3YN/A
WNEB Yearly Income VS Free CF VS DividendWNEB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M
WNEB Dividend Payout.WNEB Dividend Payout, showing the Payout Ratio.WNEB Dividend Payout.PayoutRetained Earnings

More info and screens

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WNEB Fundamentals: All Metrics, Ratios and Statistics

WESTERN NEW ENGLAND BANCORP

NASDAQ:WNEB (4/24/2026, 8:14:31 PM)

13.86

+0.12 (+0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners64.46%
Inst Owner Change-0.13%
Ins Owners5.59%
Ins Owner Change3.32%
Market Cap280.80M
Revenue(TTM)80.13M
Net Income(TTM)15.27M
Analysts80
Price Target14.62 (5.48%)
Short Float %1.25%
Short Ratio2.95
Dividend
Industry RankSector Rank
Dividend Yield 2.03%
Yearly Dividend0.28
Dividend Growth(5Y)7.36%
DP37.41%
Div Incr Years0
Div Non Decr Years10
Ex-Date02-11
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.09%
Min EPS beat(2)-15.21%
Max EPS beat(2)21.38%
EPS beat(4)2
Avg EPS beat(4)12.27%
Min EPS beat(4)-15.21%
Max EPS beat(4)50.48%
EPS beat(8)5
Avg EPS beat(8)16.54%
EPS beat(12)6
Avg EPS beat(12)8.99%
EPS beat(16)9
Avg EPS beat(16)9.94%
Revenue beat(2)1
Avg Revenue beat(2)0.82%
Min Revenue beat(2)-0.35%
Max Revenue beat(2)1.99%
Revenue beat(4)2
Avg Revenue beat(4)1.22%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)5.46%
Revenue beat(8)2
Avg Revenue beat(8)-1.68%
Revenue beat(12)3
Avg Revenue beat(12)-1.56%
Revenue beat(16)7
Avg Revenue beat(16)2.99%
PT rev (1m)-1.15%
PT rev (3m)6.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.96%
EPS NY rev (3m)4.19%
Revenue NQ rev (1m)1.65%
Revenue NQ rev (3m)1.65%
Revenue NY rev (1m)3.07%
Revenue NY rev (3m)2.66%
Valuation
Industry RankSector Rank
PE 18.48
Fwd PE 14.25
P/S 3.5
P/FCF 16.38
P/OCF 15.42
P/B 1.13
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)0.75
EY5.41%
EPS(NY)0.97
Fwd EY7.02%
FCF(TTM)0.85
FCFY6.1%
OCF(TTM)0.9
OCFY6.49%
SpS3.96
BVpS12.22
TBVpS11.55
PEG (NY)0.62
PEG (5Y)2.89
Graham Number14.3618 (3.62%)
Profitability
Industry RankSector Rank
ROA 0.56%
ROE 6.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.06%
GM N/A
FCFM 21.39%
ROA(3y)0.53%
ROA(5y)0.71%
ROE(3y)5.82%
ROE(5y)7.88%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.01%
PM growth 5Y4.59%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.15
Debt/EBITDA N/A
Cap/Depr 43.2%
Cap/Sales 1.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.25%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.71%
ROIC/WACCN/A
Cap/Depr(3y)66.99%
Cap/Depr(5y)74.4%
Cap/Sales(3y)2.24%
Cap/Sales(5y)2.4%
Profit Quality(3y)95.03%
Profit Quality(5y)104.34%
High Growth Momentum
Growth
EPS 1Y (TTM)33.93%
EPS 3Y-14.26%
EPS 5Y6.4%
EPS Q2Q%62.5%
EPS Next Y29.65%
EPS Next 2Y20.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.01%
Revenue growth 3Y-4.69%
Revenue growth 5Y1.69%
Sales Q2Q%23.28%
Revenue Next Year12.54%
Revenue Next 2Y9.86%
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 1Y56.19%
FCF growth 3Y-21.14%
FCF growth 5Y-4.42%
OCF growth 1Y49.65%
OCF growth 3Y-20.38%
OCF growth 5Y-6.19%

WESTERN NEW ENGLAND BANCORP / WNEB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of WESTERN NEW ENGLAND BANCORP (WNEB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to WNEB.


Can you provide the valuation status for WESTERN NEW ENGLAND BANCORP?

ChartMill assigns a valuation rating of 3 / 10 to WESTERN NEW ENGLAND BANCORP (WNEB). This can be considered as Overvalued.


How profitable is WESTERN NEW ENGLAND BANCORP (WNEB) stock?

WESTERN NEW ENGLAND BANCORP (WNEB) has a profitability rating of 3 / 10.


Can you provide the financial health for WNEB stock?

The financial health rating of WESTERN NEW ENGLAND BANCORP (WNEB) is 4 / 10.


Can you provide the expected EPS growth for WNEB stock?

The Earnings per Share (EPS) of WESTERN NEW ENGLAND BANCORP (WNEB) is expected to grow by 29.65% in the next year.