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WESTERN NEW ENGLAND BANCORP (WNEB) Stock Fundamental Analysis

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

9.16  -0.01 (-0.11%)

Fundamental Rating

3

WNEB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. WNEB may be in some trouble as it scores bad on both profitability and health. WNEB is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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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.
In the past 5 years WNEB always reported a positive cash flow from operatings.
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

The Return On Assets of WNEB (0.44%) is worse than 78.28% of its industry peers.
WNEB's Return On Equity of 4.95% is on the low side compared to the rest of the industry. WNEB is outperformed by 77.78% of its industry peers.
Industry RankSector Rank
ROA 0.44%
ROE 4.95%
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

WNEB has a Profit Margin of 16.60%. This is in the lower half of the industry: WNEB underperforms 72.98% of its industry peers.
In the last couple of years the Profit Margin of WNEB has declined.
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) 16.6%
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.
The number of shares outstanding for WNEB has been reduced compared to 1 year ago.
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 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

The Debt to FCF ratio of WNEB is 1.80, which is an excellent value as it means it would take WNEB, only 1.80 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.80, WNEB is in line with its industry, outperforming 54.04% of the companies in the same industry.
A Debt/Equity ratio of 0.08 indicates that WNEB is not too dependend on debt financing.
WNEB's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. WNEB outperforms 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.8
Altman-Z N/A
ROIC/WACCN/A
WACC15.57%
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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3. Growth

3.1 Past

WNEB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.67%.
WNEB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.29% yearly.
WNEB shows a decrease in Revenue. In the last year, the revenue decreased by -5.69%.
The Revenue has been growing slightly by 0.75% on average over the past years.
EPS 1Y (TTM)-11.67%
EPS 3Y-15.68%
EPS 5Y2.29%
EPS Q2Q%-21.43%
Revenue 1Y (TTM)-5.69%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%1.23%

3.2 Future

Based on estimates for the next years, WNEB will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.70% on average per year.
The Revenue is expected to grow by 9.00% 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 Year10.07%
Revenue Next 2Y9%
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 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

The Price/Earnings ratio is 17.28, which indicates a rather expensive current valuation of WNEB.
Based on the Price/Earnings ratio, WNEB is valued a bit more expensive than the industry average as 76.52% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 25.82. WNEB is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 11.42, the valuation of WNEB can be described as reasonable.
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 66.16% of the companies listed in the same industry.
WNEB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.28
Fwd PE 11.42
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

70.45% of the companies in the same industry are cheaper than WNEB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.29
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 an expensive valuation of the company.
A more expensive valuation may be justified as WNEB's earnings are expected to grow with 19.70% in the coming years.
PEG (NY)1.99
PEG (5Y)7.54
EPS Next 2Y19.7%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

WNEB has a Yearly Dividend Yield of 3.01%.
Compared to an average industry Dividend Yield of 3.42, WNEB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, WNEB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.01%

5.2 History

The dividend of WNEB is nicely growing with an annual growth rate of 7.73%!
WNEB has paid a dividend for at least 10 years, which is 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 Years2
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 50.69% of its income as dividend. 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.
DP50.69%
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 (5/23/2025, 9:03:54 PM)

9.16

-0.01 (-0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners57.87%
Inst Owner Change-0.2%
Ins Owners5.15%
Ins Owner Change6.86%
Market Cap189.70M
Analysts77.78
Price Target10.37 (13.21%)
Short Float %0.42%
Short Ratio1.08
Dividend
Industry RankSector Rank
Dividend Yield 3.01%
Yearly Dividend0.28
Dividend Growth(5Y)7.73%
DP50.69%
Div Incr Years2
Div Non Decr Years9
Ex-Date05-07 2025-05-07 (0.07)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.9%
Min EPS beat(2)-14.61%
Max EPS beat(2)36.4%
EPS beat(4)3
Avg EPS beat(4)20.81%
Min EPS beat(4)-14.61%
Max EPS beat(4)47.06%
EPS beat(8)4
Avg EPS beat(8)7.35%
EPS beat(12)7
Avg EPS beat(12)9.16%
EPS beat(16)10
Avg EPS beat(16)10.27%
Revenue beat(2)0
Avg Revenue beat(2)-1.79%
Min Revenue beat(2)-1.81%
Max Revenue beat(2)-1.77%
Revenue beat(4)0
Avg Revenue beat(4)-4.58%
Min Revenue beat(4)-9.64%
Max Revenue beat(4)-1.77%
Revenue beat(8)1
Avg Revenue beat(8)-2.94%
Revenue beat(12)5
Avg Revenue beat(12)3.58%
Revenue beat(16)9
Avg Revenue beat(16)7.1%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.56%
EPS NY rev (3m)-0.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)-0.87%
Revenue NY rev (3m)0.46%
Valuation
Industry RankSector Rank
PE 17.28
Fwd PE 11.42
P/S 2.7
P/FCF 17.29
P/OCF 15.59
P/B 0.8
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)0.53
EY5.79%
EPS(NY)0.8
Fwd EY8.76%
FCF(TTM)0.53
FCFY5.78%
OCF(TTM)0.59
OCFY6.42%
SpS3.39
BVpS11.39
TBVpS10.72
PEG (NY)1.99
PEG (5Y)7.54
Profitability
Industry RankSector Rank
ROA 0.44%
ROE 4.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.6%
GM N/A
FCFM 15.61%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.8
Debt/EBITDA N/A
Cap/Depr 45.91%
Cap/Sales 1.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 94.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.57%
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)-11.67%
EPS 3Y-15.68%
EPS 5Y2.29%
EPS Q2Q%-21.43%
EPS Next Y8.68%
EPS Next 2Y19.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.69%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%1.23%
Revenue Next Year10.07%
Revenue Next 2Y9%
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-7.56%
FCF growth 3Y-23.05%
FCF growth 5Y-4.88%
OCF growth 1Y-17.62%
OCF growth 3Y-23.83%
OCF growth 5Y-4.57%