WESTERN NEW ENGLAND BANCORP (WNEB) Stock Fundamental Analysis
USA - NASDAQ:WNEB - US9588921018 - Common Stock
11.42 USD
+0.12 (+1.06%)
11.42 USD
0 (0%)
WNEB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. While WNEB seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, WNEB is valued expensive at the moment.
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.
WNEB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.45%, WNEB is not doing good in the industry: 78.01% of the companies in the same industry are doing better.
WNEB has a Return On Equity of 5.05%. This is in the lower half of the industry: WNEB underperforms 75.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 5.05% | ||
| 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
1.3 Margins
With a Profit Margin value of 16.50%, WNEB is not doing good in the industry: 71.61% of the companies in the same industry are doing better.
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) | 16.5% | ||
| 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
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
The debt/assets ratio for WNEB has been reduced compared to a year ago.
2.2 Solvency
WNEB has a debt to FCF ratio of 1.46. This is a very positive value and a sign of high solvency as it would only need 1.46 years to pay back of all of its debts.
WNEB has a Debt to FCF ratio of 1.46. This is in the better half of the industry: WNEB outperforms 60.10% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that WNEB is not too dependend on debt financing.
The Debt to Equity ratio of WNEB (0.08) is better than 73.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WNEB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.38%.
The Earnings Per Share has been growing slightly by 2.29% on average over the past years.
WNEB shows a decrease in Revenue. In the last year, the revenue decreased by -1.03%.
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)-1.03%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%21.92%
3.2 Future
WNEB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.20% yearly.
WNEB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.18% yearly.
EPS Next Y31.75%
EPS Next 2Y23.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.07%
Revenue Next 2Y10.18%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 19.69, which indicates a rather expensive current valuation of WNEB.
Based on the Price/Earnings ratio, WNEB is valued a bit more expensive than 79.28% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.91, WNEB is valued a bit cheaper.
The Price/Forward Earnings ratio is 13.44, which indicates a correct valuation of WNEB.
70.84% of the companies in the same industry are cheaper than WNEB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.92. WNEB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.69 | ||
| Fwd PE | 13.44 |
4.2 Price Multiples
65.22% of the companies in the same industry are cheaper than WNEB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.23 | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as WNEB's earnings are expected to grow with 23.20% in the coming years.
PEG (NY)0.62
PEG (5Y)8.59
EPS Next 2Y23.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.57%, WNEB has a reasonable but not impressive dividend return.
WNEB's Dividend Yield is comparable with the industry average which is at 3.53.
WNEB's Dividend Yield is comparable with the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
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
5.3 Sustainability
47.93% of the earnings are spent on dividend by WNEB. 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.
DP47.93%
EPS Next 2Y23.2%
EPS Next 3YN/A
11.42
+0.12 (+1.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.07%
Inst Owner Change-0.26%
Ins Owners5.68%
Ins Owner Change1.4%
Market Cap234.00M
Revenue(TTM)73.25M
Net Income(TTM)12.09M
Analysts77.78
Price Target12.41 (8.67%)
Short Float %2.79%
Short Ratio6.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.57% |
Yearly Dividend0.28
Dividend Growth(5Y)7.73%
DP47.93%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)21.46%
Min EPS beat(2)-7.57%
Max EPS beat(2)50.48%
EPS beat(4)2
Avg EPS beat(4)16.18%
Min EPS beat(4)-14.61%
Max EPS beat(4)50.48%
EPS beat(8)5
Avg EPS beat(8)18.07%
EPS beat(12)7
Avg EPS beat(12)12.22%
EPS beat(16)9
Avg EPS beat(16)10.01%
Revenue beat(2)1
Avg Revenue beat(2)1.62%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)5.46%
Revenue beat(4)1
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)5.46%
Revenue beat(8)1
Avg Revenue beat(8)-2.45%
Revenue beat(12)4
Avg Revenue beat(12)1.39%
Revenue beat(16)8
Avg Revenue beat(16)5.38%
PT rev (1m)4.29%
PT rev (3m)17.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.67%
EPS NY rev (1m)0%
EPS NY rev (3m)21.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.69 | ||
| Fwd PE | 13.44 | ||
| P/S | 3.19 | ||
| P/FCF | 17.23 | ||
| P/OCF | 16.01 | ||
| P/B | 0.98 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.58
EY5.08%
EPS(NY)0.85
Fwd EY7.44%
FCF(TTM)0.66
FCFY5.8%
OCF(TTM)0.71
OCFY6.24%
SpS3.57
BVpS11.69
TBVpS11.01
PEG (NY)0.62
PEG (5Y)8.59
Graham Number12.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 5.05% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.5% | ||
| GM | N/A | ||
| FCFM | 18.54% |
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
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-15.63%
PM growth 5Y-3.39%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 40.08% | ||
| Cap/Sales | 1.41% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 112.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC14.44%
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 Y31.75%
EPS Next 2Y23.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.03%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%21.92%
Revenue Next Year13.07%
Revenue Next 2Y10.18%
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-45.01%
FCF growth 3Y-23.05%
FCF growth 5Y-4.88%
OCF growth 1Y-44.35%
OCF growth 3Y-23.83%
OCF growth 5Y-4.57%
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 of WESTERN NEW ENGLAND BANCORP (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.
Can you provide the financial health for WNEB stock?
The financial health rating of WESTERN NEW ENGLAND BANCORP (WNEB) is 4 / 10.
How sustainable is the dividend of WESTERN NEW ENGLAND BANCORP (WNEB) stock?
The dividend rating of WESTERN NEW ENGLAND BANCORP (WNEB) is 6 / 10 and the dividend payout ratio is 47.93%.