13.2 USD
-0.1 (-0.75%)
13.2 USD
0 (0%)
WNEB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. WNEB may be in some trouble as it scores bad on both profitability and health. WNEB is valied quite expensively at the moment, while it does show a decent growth rate.
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 Return On Assets of 0.49%. This is in the lower half of the industry: WNEB underperforms 79.37% of its industry peers.
- WNEB has a worse Return On Equity (5.48%) than 74.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.49% | ||
| ROE | 5.48% | ||
| 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
- WNEB's Profit Margin of 17.41% is on the low side compared to the rest of the industry. WNEB is outperformed by 71.54% of its industry peers.
- In the last couple of years the Profit Margin of WNEB has declined.
- The Operating Margin and Gross Margin are not available for WNEB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.41% | ||
| 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.
- 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 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
- WNEB has a Debt to FCF ratio (1.24) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 0.08 indicates that WNEB is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.08, WNEB is in the better half of the industry, outperforming 72.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- WNEB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.00%, 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 2.29% on average per year.
- The Revenue has been growing slightly by 7.61% in the past year.
- 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)25%
EPS 3Y-15.68%
EPS 5Y2.29%
EPS Q2Q%77.78%
Revenue 1Y (TTM)7.61%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%22.84%
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 22.93% on average per year.
- The Revenue is expected to grow by 11.49% on average over the next years. This is quite good.
EPS Next Y24.77%
EPS Next 2Y29.1%
EPS Next 3Y22.93%
EPS Next 5YN/A
Revenue Next Year15.64%
Revenue Next 2Y11.49%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 20.31, the valuation of WNEB can be described as rather expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of WNEB indicates a rather expensive valuation: WNEB more expensive than 80.68% of the companies listed in the same industry.
- WNEB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.32, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 14.14, the valuation of WNEB can be described as correct.
- Based on the Price/Forward Earnings ratio, WNEB is valued a bit more expensive than 71.28% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.32. WNEB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.31 | ||
| Fwd PE | 14.14 |
4.2 Price Multiples
- 67.89% 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 | 16.92 | ||
| EV/EBITDA | N/A |
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 22.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.82
PEG (5Y)8.86
EPS Next 2Y29.1%
EPS Next 3Y22.93%
5. Dividend
5.1 Amount
- WNEB has a Yearly Dividend Yield of 2.19%. Purely for dividend investing, there may be better candidates out there.
- WNEB's Dividend Yield is slightly below the industry average, which is at 2.84.
- WNEB's Dividend Yield is a higher than the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.19% |
5.2 History
- On average, the dividend of WNEB grows each year by 7.73%, which is quite nice.
- 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
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 2Y29.1%
EPS Next 3Y22.93%
13.2
-0.1 (-0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-26 2026-01-26/amc
Inst Owners64.77%
Inst Owner Change0%
Ins Owners5.7%
Ins Owner Change-1.46%
Market Cap270.47M
Revenue(TTM)76.66M
Net Income(TTM)13.35M
Analysts80
Price Target13.77 (4.32%)
Short Float %2.49%
Short Ratio9.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.19% |
Yearly Dividend0.28
Dividend Growth(5Y)7.73%
DP43%
Div Incr Years0
Div Non Decr Years9
Ex-DateN/A
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)5.88%
PT rev (3m)10.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.31 | ||
| Fwd PE | 14.14 | ||
| P/S | 3.53 | ||
| P/FCF | 16.92 | ||
| P/OCF | 15.72 | ||
| P/B | 1.11 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.65
EY4.92%
EPS(NY)0.93
Fwd EY7.07%
FCF(TTM)0.78
FCFY5.91%
OCF(TTM)0.84
OCFY6.36%
SpS3.74
BVpS11.89
TBVpS11.22
PEG (NY)0.82
PEG (5Y)8.86
Graham Number13.19
Profitability
| Industry Rank | Sector 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)0.68%
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector 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-Score8
WACC13.84%
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)25%
EPS 3Y-15.68%
EPS 5Y2.29%
EPS Q2Q%77.78%
EPS Next Y24.77%
EPS Next 2Y29.1%
EPS Next 3Y22.93%
EPS Next 5YN/A
Revenue 1Y (TTM)7.61%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%22.84%
Revenue Next Year15.64%
Revenue Next 2Y11.49%
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-20.35%
FCF growth 3Y-23.05%
FCF growth 5Y-4.88%
OCF growth 1Y-22.27%
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 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%.