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WESTERN NEW ENGLAND BANCORP (WNEB) Stock Fundamental Analysis

NASDAQ:WNEB - Nasdaq - US9588921018 - Common Stock - Currency: USD

11.31  -0.01 (-0.09%)

After market: 11.31 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to WNEB. WNEB was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of WNEB have multiple concerns. WNEB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

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.
WNEB had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M

1.2 Ratios

WNEB has a worse Return On Assets (0.41%) than 79.64% of its industry peers.
With a Return On Equity value of 4.63%, WNEB is not doing good in the industry: 78.37% of the companies in the same industry are doing better.
Industry RankSector 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
WNEB Yearly ROA, ROE, ROICWNEB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 15.61%, WNEB is doing worse than 73.79% of the companies in the same industry.
WNEB's Profit Margin has declined 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) 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
WNEB Yearly Profit, Operating, Gross MarginsWNEB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

WNEB does not have a ROIC to compare to the WACC, probably because it is not profitable.
WNEB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, WNEB has less shares outstanding
The debt/assets ratio for WNEB has been reduced compared to a year ago.
WNEB Yearly Shares OutstandingWNEB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
WNEB Yearly Total Debt VS Total AssetsWNEB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

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.
WNEB has a Debt to FCF ratio (2.31) which is in line with 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 74.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 2.31
Altman-Z N/A
ROIC/WACCN/A
WACC14.73%
WNEB Yearly LT Debt VS Equity VS FCFWNEB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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5

3. Growth

3.1 Past

The earnings per share for WNEB have decreased by -9.38% in the last year.
The Earnings Per Share has been growing slightly by 2.29% on average over the past years.
The Revenue for WNEB has decreased by -10.82% in the past year. This is quite bad
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)-10.82%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%21.92%

3.2 Future

WNEB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.70% yearly.
The Revenue is expected to grow by 9.46% on average over the next years. This is quite good.
EPS Next Y8.68%
EPS Next 2Y19.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.74%
Revenue Next 2Y9.46%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
WNEB Yearly Revenue VS EstimatesWNEB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
WNEB Yearly EPS VS EstimatesWNEB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 19.50, the valuation of WNEB can be described as rather expensive.
78.88% of the companies in the same industry are cheaper than WNEB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of WNEB to the average of the S&P500 Index (27.93), we can say WNEB is valued slightly cheaper.
A Price/Forward Earnings ratio of 14.10 indicates a correct valuation of WNEB.
70.99% of the companies in the same industry are cheaper than WNEB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 37.78, WNEB is valued rather cheaply.
Industry RankSector Rank
PE 19.5
Fwd PE 14.1
WNEB Price Earnings VS Forward Price EarningsWNEB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

78.63% of the companies in the same industry are cheaper than WNEB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 27.36
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WNEB does not grow enough to justify the current Price/Earnings ratio.
WNEB's earnings are expected to grow with 19.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.25
PEG (5Y)8.51
EPS Next 2Y19.7%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.47%, WNEB has a reasonable but not impressive dividend return.
WNEB's Dividend Yield is slightly below the industry average, which is at 3.40.
WNEB's Dividend Yield is comparable with the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 2.47%

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
WNEB Yearly Dividends per shareWNEB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

WNEB pays out 53.13% of its income as dividend. 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 2Y19.7%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M
WNEB Dividend Payout.WNEB Dividend Payout, showing the Payout Ratio.WNEB Dividend Payout.PayoutRetained Earnings

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WESTERN NEW ENGLAND BANCORP

NASDAQ:WNEB (7/28/2025, 8:00:02 PM)

After market: 11.31 0 (0%)

11.31

-0.01 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners58.42%
Inst Owner Change-0.25%
Ins Owners5.65%
Ins Owner Change7.94%
Market Cap234.23M
Analysts77.78
Price Target10.54 (-6.81%)
Short Float %3.13%
Short Ratio4.74
Dividend
Industry RankSector Rank
Dividend Yield 2.47%
Yearly Dividend0.28
Dividend Growth(5Y)7.73%
DP53.13%
Div Incr Years0
Div Non Decr Years9
Ex-Date08-06 2025-08-06 (0.07)
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)0%
PT rev (3m)1.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.56%
Revenue NQ rev (1m)1.23%
Revenue NQ rev (3m)1.22%
Revenue NY rev (1m)0.6%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 19.5
Fwd PE 14.1
P/S 3.32
P/FCF 27.36
P/OCF 24.01
P/B 0.99
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)0.58
EY5.13%
EPS(NY)0.8
Fwd EY7.09%
FCF(TTM)0.41
FCFY3.65%
OCF(TTM)0.47
OCFY4.17%
SpS3.41
BVpS11.48
TBVpS10.81
PEG (NY)2.25
PEG (5Y)8.51
Profitability
Industry RankSector 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 RankSector 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
WACC14.73%
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 Y8.68%
EPS Next 2Y19.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.82%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%21.92%
Revenue Next Year10.74%
Revenue Next 2Y9.46%
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%