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Western New England Bancorp Inc (DE:489)
FRANKFURT:489
Germany Market
489
Western New England Bancorp
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Western New England Bancorp (489) Ratios

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Western New England Bancorp Ratios

DE:489's free cash flow for Q2 2026 was $-0.79. For the 2026 fiscal year, DE:489's free cash flow was decreased by $ and operating cash flow was $-0.96. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.62 0.02 0.10 0.08 0.08
Quick Ratio
 1.62 0.02 0.10 0.08 0.08
Cash Ratio
 2.12 0.02 0.03 0.01 0.01
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 1.11 <0.01 <0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 1.11 1.37 2.26 0.92 0.89
Net Current Asset Value
$ -2.46B$ -2.44B$ -2.19B$ -2.16B$ -2.14B
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.04 0.05 0.06 0.02
Debt-to-Equity Ratio
 0.25 0.43 0.52 0.66 0.27
Debt-to-Capital Ratio
 0.20 0.30 0.34 0.40 0.21
Long-Term Debt-to-Capital Ratio
 0.15 0.27 0.33 0.37 0.08
Financial Leverage Ratio
 11.00 11.05 11.25 10.80 11.19
Debt Service Coverage Ratio
 0.10 0.27 0.26 0.36 0.59
Interest Coverage Ratio
 0.22 0.40 0.30 0.59 5.17
Debt to Market Cap
 0.23 0.42 0.64 0.81 0.30
Interest Debt Per Share
 5.49 7.71 8.28 8.81 3.15
Net Debt to EBITDA
 2.16 3.20 3.76 5.89 0.90
Profitability Margins
Gross Profit Margin
54.90%61.99%59.79%69.58%92.55%
EBIT Margin
9.70%14.87%12.19%17.48%34.89%
EBITDA Margin
10.84%16.32%14.31%19.80%37.59%
Operating Profit Margin
9.70%14.87%12.19%17.48%34.89%
Pretax Profit Margin
20.47%15.24%12.19%17.48%34.89%
Net Profit Margin
15.74%11.76%9.50%13.45%26.08%
Continuous Operations Profit Margin
15.74%11.76%9.50%13.45%26.08%
Net Income Per EBT
76.88%77.16%78.00%76.94%74.76%
EBT Per EBIT
211.01%102.51%99.96%100.00%100.00%
Return on Assets (ROA)
0.61%0.56%0.44%0.59%1.01%
Return on Equity (ROE)
6.78%6.17%4.95%6.35%11.35%
Return on Capital Employed (ROCE)
0.38%5.33%3.89%4.84%12.26%
Return on Invested Capital (ROIC)
0.29%3.97%2.99%3.58%8.00%
Return on Tangible Assets
0.62%0.56%0.44%0.59%1.02%
Earnings Yield
6.12%6.03%6.07%7.77%12.51%
Efficiency Ratios
Receivables Turnover
 11.82 14.78 14.49 13.14 12.19
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 5.56 5.03 4.38 3.98
Asset Turnover
 0.04 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 11.70 -0.06 -0.06 -0.05 -0.05
Cash Conversion Cycle
 30.89 24.69 25.18 27.79 29.93
Days of Sales Outstanding
 30.89 24.69 25.18 27.79 29.93
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 30.89 24.69 25.18 27.79 29.93
Cash Flow Ratios
Operating Cash Flow Per Share
 0.99 0.91 0.58 0.69 1.68
Free Cash Flow Per Share
 0.86 0.85 0.53 0.55 1.63
CapEx Per Share
 0.12 0.05 0.06 0.13 0.05
Free Cash Flow to Operating Cash Flow
 0.88 0.94 0.90 0.80 0.97
Dividend Paid and CapEx Coverage Ratio
 2.44 2.68 1.71 1.65 5.72
Capital Expenditure Coverage Ratio
 8.09 16.97 10.18 5.09 32.17
Operating Cash Flow Coverage Ratio
 0.31 0.17 0.10 0.09 0.59
Operating Cash Flow to Sales Ratio
 0.18 0.14 0.10 0.13 0.37
Free Cash Flow Yield
6.21%6.77%5.71%6.12%17.21%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 16.39 16.61 16.43 12.86 8.00
Price-to-Sales (P/S) Ratio
 2.60 1.95 1.57 1.73 2.09
Price-to-Book (P/B) Ratio
 1.10 1.02 0.82 0.82 0.91
Price-to-Free Cash Flow (P/FCF) Ratio
 16.11 14.77 17.52 16.33 5.81
Price-to-Operating Cash Flow Ratio
 13.96 13.90 15.80 13.12 5.63
Price-to-Earnings Growth (PEG) Ratio
 0.39 0.46 -0.82 -0.32 0.51
Price-to-Fair Value
 1.10 1.02 0.82 0.82 0.91
Enterprise Value Multiple
 26.19 15.15 14.70 14.63 6.44
Enterprise Value
 302.01M 321.08M 258.24M 324.43M 240.50M
EV to EBITDA
 26.19 15.15 14.70 14.63 6.44
EV to Sales
 2.84 2.47 2.10 2.90 2.42
EV to Free Cash Flow
 17.56 18.73 23.53 27.33 6.75
EV to Operating Cash Flow
 15.39 17.63 21.22 21.96 6.54
Tangible Book Value Per Share
 11.81 11.67 10.62 10.36 9.76
Shareholders’ Equity Per Share
 12.48 12.34 11.29 11.02 10.43
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.22 0.23 0.25
Revenue Per Share
 5.35 6.47 5.87 5.20 4.54
Net Income Per Share
 0.84 0.76 0.56 0.70 1.18
Tax Burden
 0.77 0.77 0.78 0.77 0.75
Interest Burden
 2.11 1.03 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.20 0.23 0.29 0.30 0.34
Stock-Based Compensation to Revenue
 0.02 <0.01 0.02 0.02 0.02
Income Quality
 1.17 1.19 1.04 0.98 1.42
Currency in USD