Want to see WNEB full AI Analyst Report?
Top Page
Western New England Bancorp
(NASDAQ:WNEB)
Select Model
Select Model
Rating:59Neutral
Price Target:
$14.50
▲(1.75% Upside)
Action:Reiterated
Date:08/08/26
The score is primarily driven by steady balance-sheet positioning and solid cash generation, but is held back by a notable TTM revenue decline and margin compression. Technically, momentum is muted (negative MACD and below short-term averages), while valuation and corporate updates appear broadly reasonable but not strongly catalytic.
Positive Factors
Improving leverage
A declining debt-to-equity (~0.25 TTM) meaningfully improves financial flexibility, lowering funding risk and increasing capacity to absorb losses or fund strategic initiatives. Over the next 2–6 months this stronger leverage profile supports lending activity, capital returns and balance-sheet resilience.
Negative Factors
Sharp revenue decline
A nearly 20% TTM revenue drop is a material deterioration in core franchise scale, reducing operating leverage and the firm's ability to absorb fixed costs. If sustained, lower top-line volume constrains loan growth, fee income and the bank’s capacity to rebuild margins or expand earnings over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage
A declining debt-to-equity (~0.25 TTM) meaningfully improves financial flexibility, lowering funding risk and increasing capacity to absorb losses or fund strategic initiatives. Over the next 2–6 months this stronger leverage profile supports lending activity, capital returns and balance-sheet resilience.
Read all positive factors
Western New England Bancorp (WNEB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$276.83M
Dividend Yield2.04%
Average Volume (3M)49.24K
Price to Earnings (P/E)16.3
Beta (1Y)0.73
Revenue Growth6.09%
EPS Growth41.66%
CountryUS
Employees313
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.84
Shares Outstanding20,045,872
10 Day Avg. Volume70,981
30 Day Avg. Volume49,239
Financial Highlights & Ratios
PEG Ratio0.46
Price to Book (P/B)1.02
Price to Sales (P/S)1.95
P/FCF Ratio14.77
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$15.50Price Target Upside8.77% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.93
Revenue Forecast (FY)$91.88M
Western New England Bancorp Business Overview & Revenue Model
Company Description
Western New England Bancorp, Inc. (WNEB) functions as the parent entity for Westfield Bank, which delivers a comprehensive suite of commercial and retail banking solutions designed for both individual clients and businesses. The bank offers variou...
How the Company Makes Money
WNEB primarily makes money through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from interest and fees on loans and other interest-earning assets (such as securities) minus the inte...
Western New England Bancorp Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
66
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 106.43M | 129.83M | 122.74M | 112.02M | 99.26M | 92.41M |
| Gross Profit | 58.43M | 80.49M | 73.39M | 77.94M | 91.86M | 86.67M |
| EBITDA | 11.53M | 21.19M | 17.56M | 22.18M | 37.32M | 34.42M |
| Net Income | 16.75M | 15.27M | 11.67M | 15.07M | 25.89M | 23.70M |
Balance Sheet | ||||||
| Total Assets | 2.73B | 2.74B | 2.65B | 2.56B | 2.55B | 2.54B |
| Cash, Cash Equivalents and Short-Term Investments | 37.67M | 43.15M | 217.89M | 162.96M | 175.69M | 292.91M |
| Total Debt | 62.55M | 106.06M | 123.14M | 156.46M | 62.20M | 22.29M |
| Total Liabilities | 2.48B | 2.49B | 2.42B | 2.33B | 2.33B | 2.31B |
| Stockholders Equity | 248.28M | 247.64M | 235.91M | 237.41M | 228.14M | 223.69M |
Cash Flow | ||||||
| Free Cash Flow | 17.20M | 17.14M | 10.97M | 11.87M | 35.63M | 25.34M |
| Operating Cash Flow | 19.62M | 18.21M | 12.17M | 14.77M | 36.77M | 28.79M |
| Investing Cash Flow | -75.00M | -113.61M | -46.59M | -13.71M | -111.87M | -162.91M |
| Financing Cash Flow | -264.00K | 69.33M | 72.03M | -2.57M | 1.99M | 150.13M |
Western New England Bancorp Technical Analysis
Neutral
14.25
Price Trends
13.95
Negative
13.73
Positive
13.21
Positive
Market Momentum
-0.02
Negative
49.19
Neutral
51.98
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WNEB, the sentiment is Neutral. The current price of 14.25 is above the 20-day moving average (MA) of 13.71, above the 50-day MA of 13.95, and above the 200-day MA of 13.21, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 49.19 is Neutral, neither overbought nor oversold. The STOCH value of 51.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for WNEB.
Western New England Bancorp Risk Analysis
Western New England Bancorp disclosed 40 risk factors in its most recent earnings report. Western New England Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Western New England Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $122.47M | 15.07 | 7.31% | 1.78% | -0.53% | 27.52% | |
71 Outperform | $654.45M | 9.84 | 13.73% | 1.15% | 12.91% | 95.79% | |
70 Outperform | $445.90M | 10.75 | 7.94% | 2.44% | 3.04% | 88.65% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $439.75M | 23.30 | 4.62% | 0.47% | ― | ― | |
59 Neutral | $276.83M | 16.31 | 6.78% | 1.96% | 6.09% | 41.66% | |
57 Neutral | $116.40M | 26.05 | 3.72% | ― | 16.05% | ― |
* Financial Sector Average
WNEB
Western New England Bancorp
13.70
1.49
12.22%
HIFS
Hingham Institution For Savings
298.17
13.11
4.60%
SFBC
Sound Financial Bancorp
47.32
0.87
1.87%
RBB
Rbb Bancorp
26.24
6.26
31.34%
WSBK
Winchester Bancorp, Inc.
13.03
3.58
37.83%
AVBC
Avidia Bancorp, Inc.
22.16
6.72
43.56%
Western New England Bancorp Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Western New England Bancorp Reports Lower Q2 Earnings
Negative
Jul 28, 2026
Western New England Bancorp reported unaudited results on July 28, 2026, showing second-quarter 2026 net income of $3.6 million, or $0.18 per diluted share, down from both the prior-year quarter and the first quarter, even as six-month net income ...
Executive/Board ChangesShareholder Meetings
Western New England Bancorp Shareholders Back Governance Proposals
Positive
May 14, 2026
On May 14, 2026, Western New England Bancorp held its Annual Meeting, where 17,246,961 of the 20,258,872 eligible common shares were represented, constituting a quorum. Shareholders considered three proposals covering board elections, executive co...
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Western New England Bancorp Holds 2026 Annual Shareholder Meeting
Positive
May 14, 2026
At its annual shareholders’ meeting held on May 14, 2026, Western New England Bancorp presented its board structure, senior management team and key service providers, including its independent auditor and inspector of elections. The company ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.