WESTERN NEW ENGLAND BANCORP (WNEB)
US9588921018 - Common Stock
WNEB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. While WNEB seems to be doing ok healthwise, there are quite some concerns on its profitability. WNEB is valued expensive and it does not seem to be growing. WNEB also has an excellent dividend rating.
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.
In the past 5 years WNEB has always been profitable.
In the past 5 years WNEB always reported a positive cash flow from operatings.
1.2 Ratios
WNEB has a worse Return On Assets (0.59%) than 74.27% of its industry peers.
The Return On Equity of WNEB (6.34%) is worse than 72.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 6.34% | ||
| ROIC | N/A |
ROA(3y)0.85%
ROA(5y)0.72%
ROE(3y)9.43%
ROE(5y)7.8%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
WNEB has a worse Profit Margin (19.11%) than 70.15% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.11% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.88%
PM growth 5Y-4.2%
GM growth 3YN/A
GM growth 5YN/A
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.
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.
2.2 Solvency
WNEB has a debt to FCF ratio of 1.66. This is a very positive value and a sign of high solvency as it would only need 1.66 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.66, WNEB is doing good in the industry, outperforming 63.59% of the companies in the same industry.
WNEB has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
WNEB's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. WNEB outperforms 78.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for WNEB have decreased strongly by -41.18% in the last year.
WNEB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.83% yearly.
Looking at the last year, WNEB shows a very negative growth in Revenue. The Revenue has decreased by -14.87% in the last year.
Measured over the past years, WNEB shows a small growth in Revenue. The Revenue has been growing by 2.62% on average per year.
EPS 1Y (TTM)-41.18%
EPS 3Y8.37%
EPS 5Y3.83%
EPS growth Q2Q-71.43%
Revenue 1Y (TTM)-14.87%
Revenue growth 3Y2.27%
Revenue growth 5Y2.62%
Revenue growth Q2Q-28.72%
3.2 Future
Based on estimates for the next years, WNEB will show a small growth in Earnings Per Share. The EPS will grow by 1.18% on average per year.
The Revenue is expected to grow by 3.17% on average over the next years.
EPS Next Y-18.4%
EPS Next 2Y1.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.04%
Revenue Next 2Y3.17%
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 decreasing.
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.
4. Valuation
4.1 Price/Earnings Ratio
WNEB is valuated reasonably with a Price/Earnings ratio of 9.29.
WNEB's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of WNEB to the average of the S&P500 Index (28.05), we can say WNEB is valued rather cheaply.
A Price/Forward Earnings ratio of 11.38 indicates a reasonable valuation of WNEB.
The rest of the industry has a similar Price/Forward Earnings ratio as WNEB.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.30, WNEB is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.29 | ||
| Fwd PE | 11.38 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WNEB indicates a slightly more expensive valuation: WNEB is more expensive than 64.32% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.42
EPS Next 2Y1.18%
EPS Next 3YN/A
5. Dividend
5.1 Amount
WNEB has a Yearly Dividend Yield of 4.36%, which is a nice return.
WNEB's Dividend Yield is a higher than the industry average which is at 3.76.
WNEB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.36% |
5.2 History
The dividend of WNEB is nicely growing with an annual growth rate of 11.91%!
WNEB has paid a dividend for at least 10 years, which is 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)11.91%
Div Incr Years2
Div Non Decr Years8
5.3 Sustainability
WNEB pays out 40.28% of its income as dividend. This is a bit on the high side, but may be sustainable.
WNEB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.28%
EPS Next 2Y1.18%
EPS Next 3YN/A
WESTERN NEW ENGLAND BANCORP
NASDAQ:WNEB (5/8/2024, 7:27:21 PM)
6.5
+0.04 (+0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap141.12M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.36% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.29 | ||
| Fwd PE | 11.38 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 6.34% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 19.11% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-41.18%
EPS 3Y8.37%
EPS 5Y
EPS growth Q2Q
EPS Next Y-18.4%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-14.87%
Revenue growth 3Y2.27%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y