WESTERN NEW ENGLAND BANCORP (WNEB) Fundamental Analysis & Valuation

NASDAQ:WNEB • US9588921018

Current stock price

12.69 USD
-0.06 (-0.47%)
At close:
12.69 USD
0 (0%)
After Hours:

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

2

1. WNEB Profitability Analysis

1.1 Basic Checks

  • In the past year WNEB was profitable.
  • In the past year WNEB had a positive cash flow from operations.
  • In the past 5 years WNEB has always been profitable.
  • WNEB had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M

1.2 Ratios

  • WNEB has a worse Return On Assets (0.49%) than 81.63% of its industry peers.
  • With a Return On Equity value of 5.48%, WNEB is not doing good in the industry: 75.85% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.49%
ROE 5.48%
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

  • With a Profit Margin value of 17.41%, WNEB is not doing good in the industry: 75.33% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of WNEB has grown nicely.
  • 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) 17.41%
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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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.
  • WNEB has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for WNEB has been reduced compared to 5 years ago.
  • 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

  • The Debt to FCF ratio of WNEB is 1.24, which is an excellent value as it means it would take WNEB, only 1.24 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of WNEB (1.24) is better than 63.25% of its industry peers.
  • A Debt/Equity ratio of 0.08 indicates that WNEB is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.08, WNEB is doing good in the industry, outperforming 72.18% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACCN/A
WACC14.02%
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 5M 10M 15M

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

6

3. WNEB Growth Analysis

3.1 Past

  • WNEB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.93%, which is quite impressive.
  • 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.
  • The Revenue has grown by 14.01% in the past year. This is quite good.
  • WNEB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.69% yearly.
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

  • Based on estimates for the next years, WNEB will show a very strong growth in Earnings Per Share. The EPS will grow by 20.63% on average per year.
  • Based on estimates for the next years, WNEB will show a small growth in Revenue. The Revenue will grow by 7.38% on average per year.
EPS Next Y27.16%
EPS Next 2Y20.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.18%
Revenue Next 2Y7.38%
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

  • A Price/Earnings ratio of 16.92 indicates a correct valuation of WNEB.
  • Based on the Price/Earnings ratio, WNEB is valued expensively inside the industry as 80.58% of the companies are valued cheaper.
  • Compared to an average S&P500 Price/Earnings ratio of 25.96, WNEB is valued a bit cheaper.
  • WNEB is valuated correctly with a Price/Forward Earnings ratio of 13.31.
  • Based on the Price/Forward Earnings ratio, WNEB is valued a bit more expensive than the industry average as 72.44% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, WNEB is valued a bit cheaper.
Industry RankSector Rank
PE 16.92
Fwd PE 13.31
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

  • 69.29% of the companies in the same industry are cheaper than WNEB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.17
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.
  • WNEB's earnings are expected to grow with 20.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
PEG (5Y)2.64
EPS Next 2Y20.63%
EPS Next 3YN/A

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5

5. WNEB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.15%, WNEB has a reasonable but not impressive dividend return.
  • WNEB's Dividend Yield is slightly below the industry average, which is at 2.90.
  • Compared to an average S&P500 Dividend Yield of 1.91, WNEB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.15%

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.
  • As WNEB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)7.73%
Div Incr Years0
Div Non Decr Years9
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 43.00% 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.
DP43%
EPS Next 2Y20.63%
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

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WNEB Fundamentals: All Metrics, Ratios and Statistics

WESTERN NEW ENGLAND BANCORP

NASDAQ:WNEB (3/17/2026, 4:30:02 PM)

After market: 12.69 0 (0%)

12.69

-0.06 (-0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners64.01%
Inst Owner Change-1.5%
Ins Owners5.67%
Ins Owner Change3.32%
Market Cap258.50M
Revenue(TTM)80.13M
Net Income(TTM)13.35M
Analysts80
Price Target14.79 (16.55%)
Short Float %1.46%
Short Ratio4
Dividend
Industry RankSector Rank
Dividend Yield 2.15%
Yearly Dividend0.28
Dividend Growth(5Y)7.73%
DP43%
Div Incr Years0
Div Non Decr Years9
Ex-Date02-11
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)17.64%
Min EPS beat(2)-15.21%
Max EPS beat(2)50.48%
EPS beat(4)2
Avg EPS beat(4)16.03%
Min EPS beat(4)-15.21%
Max EPS beat(4)50.48%
EPS beat(8)4
Avg EPS beat(8)11.51%
EPS beat(12)6
Avg EPS beat(12)10.81%
EPS beat(16)8
Avg EPS beat(16)8.54%
Revenue beat(2)1
Avg Revenue beat(2)2.56%
Min Revenue beat(2)-0.35%
Max Revenue beat(2)5.46%
Revenue beat(4)1
Avg Revenue beat(4)0.27%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)5.46%
Revenue beat(8)1
Avg Revenue beat(8)-2.14%
Revenue beat(12)3
Avg Revenue beat(12)0.37%
Revenue beat(16)7
Avg Revenue beat(16)4.02%
PT rev (1m)0%
PT rev (3m)13.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 16.92
Fwd PE 13.31
P/S 3.37
P/FCF 16.17
P/OCF 15.02
P/B 1.06
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)0.75
EY5.91%
EPS(NY)0.95
Fwd EY7.52%
FCF(TTM)0.78
FCFY6.18%
OCF(TTM)0.84
OCFY6.66%
SpS3.76
BVpS11.96
TBVpS11.29
PEG (NY)0.62
PEG (5Y)2.64
Graham Number14.21
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 5.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.41%
GM N/A
FCFM 20.85%
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 1.24
Debt/EBITDA N/A
Cap/Depr 47.98%
Cap/Sales 1.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.02%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.93%
EPS 3Y-14.26%
EPS 5Y6.4%
EPS Q2Q%62.5%
EPS Next Y27.16%
EPS Next 2Y20.63%
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 Year9.18%
Revenue Next 2Y7.38%
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 1Y21.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y14.9%
OCF growth 3YN/A
OCF growth 5YN/A

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.


What is the valuation status for WNEB stock?

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


What is the profitability of WNEB stock?

WESTERN NEW ENGLAND BANCORP (WNEB) has a profitability rating of 2 / 10.


How financially healthy is WESTERN NEW ENGLAND BANCORP?

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


Is the dividend of WESTERN NEW ENGLAND BANCORP sustainable?

The dividend rating of WESTERN NEW ENGLAND BANCORP (WNEB) is 5 / 10 and the dividend payout ratio is 43%.