Western New England Bancorp(WNEB)
$13.66+0.01 (+0.07%)
WNEB
Western New England Bancorp financials statements
$13.66
At close:+0.01 (+0.07%)
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Western New England Bancorp (WNEB) Ratios
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Western New England Bancorp Ratios
WNEB's free cash flow for Q3 2026 was $7.09M. For the 2026 fiscal year, WNEB's free cash flow was decreased by $-364.00K and operating cash flow was $7.46M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.02 | 0.10 | 0.08 | 0.08 | 0.13 |
| Quick Ratio | 0.02 | 0.10 | 0.08 | 0.08 | 0.13 |
| Cash Ratio | 0.02 | 0.03 | 0.01 | 0.01 | 0.04 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 1.37 | 2.26 | 0.92 | 0.89 | 0.00 |
| Net Current Asset Value | $ -2.44B | $ -2.19B | $ -2.16B | $ -2.14B | $ -2.01B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.05 | 0.06 | 0.02 | 0.01 |
| Debt-to-Equity Ratio | 0.43 | 0.52 | 0.66 | 0.27 | 0.10 |
| Debt-to-Capital Ratio | 0.30 | 0.34 | 0.40 | 0.21 | 0.09 |
| Long-Term Debt-to-Capital Ratio | 0.27 | 0.33 | 0.37 | 0.08 | 0.09 |
| Financial Leverage Ratio | 11.05 | 11.25 | 10.80 | 11.19 | 11.35 |
| Debt Service Coverage Ratio | 0.28 | 0.26 | 0.36 | 0.59 | 3.96 |
| Interest Coverage Ratio | 0.40 | 0.30 | 0.59 | 5.17 | 4.75 |
| Debt to Market Cap | 0.42 | 0.64 | 0.81 | 0.30 | 0.11 |
| Interest Debt Per Share | 7.71 | 8.28 | 8.81 | 3.15 | 1.25 |
| Net Debt to EBITDA | 3.12 | 3.76 | 5.89 | 0.90 | -2.22 |
| Profitability Margins | |||||
| Gross Profit Margin | 61.99% | 59.79% | 69.58% | 92.55% | 93.78% |
| EBIT Margin | 14.87% | 12.19% | 17.48% | 34.89% | 34.33% |
| EBITDA Margin | 16.78% | 14.31% | 19.80% | 37.59% | 37.25% |
| Operating Profit Margin | 14.87% | 12.19% | 17.48% | 34.89% | 34.33% |
| Pretax Profit Margin | 15.24% | 12.19% | 17.48% | 34.89% | 34.33% |
| Net Profit Margin | 11.76% | 9.50% | 13.45% | 26.08% | 25.64% |
| Continuous Operations Profit Margin | 11.76% | 9.50% | 13.45% | 26.08% | 25.64% |
| Net Income Per EBT | 77.16% | 78.00% | 76.94% | 74.76% | 74.70% |
| EBT Per EBIT | 102.51% | 99.96% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.56% | 0.44% | 0.59% | 1.01% | 0.93% |
| Return on Equity (ROE) | 6.17% | 4.95% | 6.35% | 11.35% | 10.59% |
| Return on Capital Employed (ROCE) | 5.33% | 3.89% | 4.84% | 12.26% | 11.27% |
| Return on Invested Capital (ROIC) | 3.97% | 2.99% | 3.58% | 8.00% | 8.42% |
| Return on Tangible Assets | 0.56% | 0.44% | 0.59% | 1.02% | 0.94% |
| Earnings Yield | 6.03% | 6.07% | 7.77% | 12.51% | 11.65% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.78 | 14.49 | 13.14 | 12.19 | 11.89 |
| 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 | 5.56 | 5.03 | 4.38 | 3.98 | 3.53 |
| Asset Turnover | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.06 | -0.06 | -0.05 | -0.05 | -0.05 |
| Cash Conversion Cycle | 24.69 | 25.18 | 27.79 | 29.93 | 30.71 |
| Days of Sales Outstanding | 24.69 | 25.18 | 27.79 | 29.93 | 30.71 |
| 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 | 24.69 | 25.18 | 27.79 | 29.93 | 30.71 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.91 | 0.58 | 0.69 | 1.68 | 1.24 |
| Free Cash Flow Per Share | 0.85 | 0.53 | 0.55 | 1.63 | 1.09 |
| Dividend Paid and CapEx Coverage Ratio | 2.68 | 1.71 | 1.65 | 5.72 | 3.54 |
| Capital Expenditure Coverage Ratio | 16.97 | 10.18 | 5.09 | 32.17 | 8.33 |
| Operating Cash Flow Coverage Ratio | 0.17 | 0.10 | 0.09 | 0.59 | 1.29 |
| Operating Cash Flow to Sales Ratio | 0.14 | 0.10 | 0.13 | 0.37 | 0.31 |
| Free Cash Flow Yield | 6.77% | 5.71% | 6.12% | 17.21% | 12.45% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 16.61 | 16.43 | 12.86 | 8.00 | 8.58 |
| Price-to-Sales (P/S) Ratio | 1.95 | 1.57 | 1.73 | 2.09 | 2.20 |
| Price-to-Book (P/B) Ratio | 1.02 | 0.82 | 0.82 | 0.91 | 0.91 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 14.77 | 17.52 | 16.33 | 5.81 | 8.03 |
| Price-to-Operating Cash Flow Ratio | 13.90 | 15.80 | 13.12 | 5.63 | 7.07 |
| Price-to-Earnings Growth (PEG) Ratio | 0.46 | -0.82 | -0.32 | 0.51 | 0.07 |
| Enterprise Value Multiple | 14.74 | 14.70 | 14.63 | 6.44 | 3.69 |
| Enterprise Value | 321.08M | 258.24M | 324.43M | 240.50M | 127.17M |
| EV to EBITDA | 14.74 | 14.70 | 14.63 | 6.44 | 3.69 |
| EV to Sales | 2.47 | 2.10 | 2.90 | 2.42 | 1.38 |
| EV to Free Cash Flow | 18.73 | 23.53 | 27.33 | 6.75 | 5.02 |
| EV to Operating Cash Flow | 17.63 | 21.22 | 21.96 | 6.54 | 4.42 |
| Tangible Book Value Per Share | 11.67 | 10.62 | 10.36 | 9.76 | 8.98 |
| Shareholders’ Equity Per Share | 12.34 | 11.29 | 11.02 | 10.43 | 9.63 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.22 | 0.23 | 0.25 | 0.25 |
| Revenue Per Share | 6.47 | 5.87 | 5.20 | 4.54 | 3.98 |
| Net Income Per Share | 0.76 | 0.56 | 0.70 | 1.18 | 1.02 |
| Tax Burden | 0.77 | 0.78 | 0.77 | 0.75 | 0.75 |
| Interest Burden | 1.03 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.23 | 0.29 | 0.30 | 0.34 | 0.36 |
| Stock-Based Compensation to Revenue | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
| Income Quality | 1.19 | 1.04 | 0.98 | 1.42 | 1.21 |
Currency in USD
