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WESTERN NEW ENGLAND BANCORP (WNEB) Stock Fundamental Analysis

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

11.32  -0.05 (-0.44%)

After market: 11.32 0 (0%)

Fundamental Rating

3

Overall WNEB gets a fundamental rating of 3 out of 10. We evaluated WNEB against 396 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

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2

1. Profitability

1.1 Basic Checks

In the past year WNEB was profitable.
WNEB had a positive operating cash flow in the past year.
In the past 5 years WNEB has always 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 (0.41%) is worse than 80.30% of its industry peers.
Looking at the Return On Equity, with a value of 4.63%, WNEB is doing worse than 79.04% of the companies in the same industry.
Industry RankSector Rank
ROA 0.41%
ROE 4.63%
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

The Profit Margin of WNEB (15.61%) is worse than 73.99% 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) 15.61%
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.
WNEB has less shares outstanding than it did 5 years ago.
The debt/assets ratio for WNEB has been reduced compared to a year ago.
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 2.31, which is a good value as it means it would take WNEB, 2.31 years of fcf income to pay off all of its debts.
WNEB has a Debt to FCF ratio (2.31) 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.
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 2.31
Altman-Z N/A
ROIC/WACCN/A
WACC14.75%
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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5

3. Growth

3.1 Past

The earnings per share for WNEB have decreased by -9.38% in the last year.
WNEB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.29% yearly.
Looking at the last year, WNEB shows a very negative growth in Revenue. The Revenue has decreased by -10.82% in the last 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)-9.38%
EPS 3Y-15.68%
EPS 5Y2.29%
EPS Q2Q%29.41%
Revenue 1Y (TTM)-10.82%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%21.92%

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 9.46% 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 Year10.74%
Revenue Next 2Y9.46%
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 accelerating.
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

With a Price/Earnings ratio of 19.52, WNEB is valued on the expensive side.
WNEB's Price/Earnings ratio is a bit more expensive when compared to the industry. WNEB is more expensive than 78.54% of the companies in the same industry.
When comparing the Price/Earnings ratio of WNEB to the average of the S&P500 Index (28.04), we can say WNEB is valued slightly cheaper.
A Price/Forward Earnings ratio of 14.11 indicates a correct valuation of WNEB.
Based on the Price/Forward Earnings ratio, WNEB is valued a bit more expensive than 71.46% of the companies in the same industry.
WNEB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.64.
Industry RankSector Rank
PE 19.52
Fwd PE 14.11
WNEB Price Earnings VS Forward Price EarningsWNEB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, WNEB is valued a bit more expensive than 78.28% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.38
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 WNEB does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as WNEB's earnings are expected to grow with 19.70% in the coming years.
PEG (NY)2.25
PEG (5Y)8.51
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 2.78%. Purely for dividend investing, there may be better candidates out there.
WNEB's Dividend Yield is comparable with the industry average which is at 3.27.
Compared to an average S&P500 Dividend Yield of 2.35, WNEB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.78%

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 Years0
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

53.13% 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.
DP53.13%
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 (7/25/2025, 4:27:34 PM)

After market: 11.32 0 (0%)

11.32

-0.05 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners58.42%
Inst Owner Change0.21%
Ins Owners5.65%
Ins Owner Change7.94%
Market Cap234.44M
Analysts77.78
Price Target10.54 (-6.89%)
Short Float %3.13%
Short Ratio4.74
Dividend
Industry RankSector Rank
Dividend Yield 2.78%
Yearly Dividend0.28
Dividend Growth(5Y)7.73%
DP53.13%
Div Incr Years0
Div Non Decr Years9
Ex-Date05-07 2025-05-07 (0.07)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)14.42%
Min EPS beat(2)-7.57%
Max EPS beat(2)36.4%
EPS beat(4)2
Avg EPS beat(4)15.32%
Min EPS beat(4)-14.61%
Max EPS beat(4)47.06%
EPS beat(8)4
Avg EPS beat(8)8.28%
EPS beat(12)6
Avg EPS beat(12)7.85%
EPS beat(16)9
Avg EPS beat(16)8.37%
Revenue beat(2)0
Avg Revenue beat(2)-2.02%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)-1.81%
Revenue beat(4)0
Avg Revenue beat(4)-3.86%
Min Revenue beat(4)-9.64%
Max Revenue beat(4)-1.77%
Revenue beat(8)0
Avg Revenue beat(8)-3.84%
Revenue beat(12)4
Avg Revenue beat(12)2.16%
Revenue beat(16)8
Avg Revenue beat(16)5.86%
PT rev (1m)0%
PT rev (3m)1.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.56%
Revenue NQ rev (1m)1.23%
Revenue NQ rev (3m)1.22%
Revenue NY rev (1m)0.6%
Revenue NY rev (3m)0.78%
Valuation
Industry RankSector Rank
PE 19.52
Fwd PE 14.11
P/S 3.32
P/FCF 27.38
P/OCF 24.03
P/B 0.99
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)0.58
EY5.12%
EPS(NY)0.8
Fwd EY7.09%
FCF(TTM)0.41
FCFY3.65%
OCF(TTM)0.47
OCFY4.16%
SpS3.41
BVpS11.48
TBVpS10.81
PEG (NY)2.25
PEG (5Y)8.51
Profitability
Industry RankSector Rank
ROA 0.41%
ROE 4.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.61%
GM N/A
FCFM 12.14%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 2.31
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 77.77%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.75%
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 Y8.68%
EPS Next 2Y19.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.82%
Revenue growth 3Y-6.41%
Revenue growth 5Y0.75%
Sales Q2Q%21.92%
Revenue Next Year10.74%
Revenue Next 2Y9.46%
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-60.89%
FCF growth 3Y-23.05%
FCF growth 5Y-4.88%
OCF growth 1Y-57.41%
OCF growth 3Y-23.83%
OCF growth 5Y-4.57%