WESTERN NEW ENGLAND BANCORP (WNEB) Stock Fundamental Analysis

NASDAQ:WNEB • US9588921018

14.1 USD
+0.05 (+0.36%)
Last: Feb 17, 2026, 12:34 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to WNEB. WNEB was compared to 381 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.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year WNEB was profitable.
  • In the past year WNEB had a positive cash flow from operations.
  • Each year in the past 5 years WNEB has been profitable.
  • Of the past 5 years WNEB 4 years 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 has a Return On Assets of 0.49%. This is in the lower half of the industry: WNEB underperforms 79.27% of its industry peers.
  • The Return On Equity of WNEB (5.48%) is worse than 73.75% of its industry peers.
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

  • WNEB's Profit Margin of 17.41% is on the low side compared to the rest of the industry. WNEB is outperformed by 71.92% 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) 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • WNEB has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, WNEB has an improved debt to assets ratio.
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.
  • WNEB has a Debt to FCF ratio (1.24) 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.
  • 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
WACC13.51%
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. Growth

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.
  • The Earnings Per Share has been growing slightly by 6.40% on average over the past years.
  • Looking at the last year, WNEB shows a quite strong growth in Revenue. The Revenue has grown by 14.01% in the last year.
  • The Revenue has been growing slightly by 1.69% on average over the past years.
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 20.63% on average over the next years. This is a very strong growth
  • 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.
  • 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 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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.80, the valuation of WNEB can be described as rather expensive.
  • Based on the Price/Earnings ratio, WNEB is valued expensively inside the industry as 80.31% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 27.19. WNEB is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 14.78 indicates a correct valuation of WNEB.
  • 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 72.70% of the companies listed in the same industry.
  • WNEB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.8
Fwd PE 14.78
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 69.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.97
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

  • WNEB's 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)0.69
PEG (5Y)2.94
EPS Next 2Y20.63%
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • WNEB has a Yearly Dividend Yield of 2.15%. Purely for dividend investing, there may be better candidates out there.
  • WNEB's Dividend Yield is slightly below the industry average, which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.82, 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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • 43.00% of the earnings are spent on dividend by WNEB. This is a bit on the high side, but may be sustainable.
  • The dividend of WNEB is growing, but earnings are growing more, so the dividend growth is 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

More info and screens

Find the best dividend stocksShow peers with best dividend

WESTERN NEW ENGLAND BANCORP

NASDAQ:WNEB (2/17/2026, 12:34:40 PM)

14.1

+0.05 (+0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-20
Inst Owners64.77%
Inst Owner Change-1.34%
Ins Owners5.7%
Ins Owner Change-1.14%
Market Cap287.22M
Revenue(TTM)80.13M
Net Income(TTM)13.35M
Analysts80
Price Target14.79 (4.89%)
Short Float %2.13%
Short Ratio6.74
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)7.41%
PT rev (3m)18.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.19%
EPS NY rev (3m)2.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 18.8
Fwd PE 14.78
P/S 3.75
P/FCF 17.97
P/OCF 16.69
P/B 1.18
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)0.75
EY5.32%
EPS(NY)0.95
Fwd EY6.76%
FCF(TTM)0.78
FCFY5.57%
OCF(TTM)0.84
OCFY5.99%
SpS3.76
BVpS11.96
TBVpS11.29
PEG (NY)0.69
PEG (5Y)2.94
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
WACC13.51%
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 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 3 / 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%.