Symbols / WNEB Stock $13.66 -0.73% Western New England Bancorp, Inc.

Financial Services • Banks - Regional • United States • NMS
WNEB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
About

Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides various commercial and retail banking products and services to individuals and companies. It offers various deposit products, including commercial, small business, nonprofit and municipal checking, money market, sweep accounts, time deposits, interest-bearing and noninterest-bearing checking, and individual retirement accounts, as well as certificates of deposit. The company also originates and funds commercial and residential real estate loans, including first mortgages, home equity loans, and home equity lines, and secured by one-to-four family residential properties; home equity revolving loans and lines of credit; consumer loans, including automobile, spa and pool, collateral, and personal lines of credit; commercial and industrial loans, such as letters of credit, revolving lines of credit, working capital, equipment financing, and term loans; and construction and land development loans. In addition, it provides automated teller machine (ATM), telephone and online banking, remote deposit capture, cash management, overdraft and safe deposit facility, and night deposit services. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. The company was founded in 1853 and is headquartered in Westfield, Massachusetts.

Stock Fundamentals
Scroll to Statements
Market Cap 276.76M Enterprise Value 347.01M Income 15.27M Sales 82.28M Book/sh 12.25 Cash/sh 2.25
Dividend Yield 2.05% Payout 37.33% Employees 292 IPO — P/E 18.21 Forward P/E 12.81
PEG 1.58 P/S 3.36 P/B 1.12 P/C — EV/EBITDA — EV/Sales 4.22
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 0.75 EPS next Y 1.07
EPS Growth 56.70% Revenue Growth 16.60% Earnings 2026-04-28 ROA 0.57% ROE 6.31% ROIC —
Gross Margin 0.00% Oper. Margin 31.20% Profit Margin 18.56% Shs Outstand 20.26M Shs Float 16.44M Short Float 1.17%
Short Ratio 3.18 Short Interest — 52W High 14.52 52W Low 8.53 Beta 0.76 Avg Volume 70.88K
Volume 32.37K Target Price $14.33 Recom None Prev Close $13.76 Price $13.66 Change -0.73%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$14.33
Mean price target
2. Current target
$13.66
Latest analyst target
3. DCF / Fair value
$11.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$13.66
Low
$14.00
High
$15.00
Mean
$14.33

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-07-23 main Piper Sandler Neutral → Neutral $11
2025-01-29 up Seaport Global Neutral → Buy $11
2024-07-25 down Janney Montgomery Scott Buy → Neutral —
2024-07-24 down Seaport Global Buy → Neutral —
2024-07-24 main Piper Sandler Neutral → Neutral $9
2024-04-24 reit Piper Sandler Neutral → Neutral $8
2023-10-25 main Piper Sandler Neutral → Neutral $8
2023-10-25 down Hovde Group Outperform → Market Perform —
2023-09-12 init Seaport Global — → Buy $8
2022-11-22 down Piper Sandler Overweight → Neutral $10
2021-01-28 up Janney Montgomery Scott Neutral → Buy —
2020-09-28 main Piper Sandler — → Overweight $7
2020-04-29 main Piper Sandler — → Overweight $8
2020-04-29 up Compass Point Neutral → Buy $8
2020-03-09 up DA Davidson Neutral → Buy $10
2020-03-04 down Compass Point Buy → Neutral $9
2019-07-12 init DA Davidson — → Neutral $10
2019-07-11 init DA Davidson — → Neutral $10
2019-01-30 up Compass Point Neutral → Buy $11
2019-01-09 down Compass Point Buy → Neutral —
News
RSS: Latest WNEB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-06 DAMON DONNA J Director — 1,603 $0.00 $0
2026-03-06 RICHTER STEVEN G Director — 1,603 $0.00 $0
2026-03-06 PICKNELLY PAUL C Director — 1,603 $0.00 $0
2026-03-06 FITZGERALD GARY G Director — 1,603 $0.00 $0
2026-03-06 O CONNOR KEVIN C Chief Operating Officer — 3,427 $0.00 $0
2026-03-06 SAJDAK GUIDA R Chief Financial Officer — 3,793 $0.00 $0
2026-03-06 HAGAN JAMES C Chief Executive Officer — 11,735 $0.00 $0
2026-03-06 SMITH PHILIP R Director — 1,603 $0.00 $0
2026-03-06 SAGAN LEO R JR Officer — 2,840 $0.00 $0
2026-03-06 MILES ALLEN J III Officer — 4,246 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
82.61
+13.59%
72.73
-9.04%
79.95
-10.92%
89.76
Operating Revenue
82.61
+13.59%
72.73
-9.04%
79.95
-10.92%
89.76
Selling General And Administration
39.08
+10.05%
35.52
+0.91%
35.20
+0.12%
35.15
Selling And Marketing Expense
1.65
+30.34%
1.27
-15.12%
1.50
+6.18%
1.41
General And Administrative Expense
37.43
+9.30%
34.25
+1.62%
33.70
-0.13%
33.74
Salaries And Wages
35.83
+9.27%
32.79
+1.25%
32.38
-0.97%
32.70
Other Gand A
—
—
—
—
Reconciled Depreciation
2.48
-4.64%
2.60
+0.42%
2.59
-3.46%
2.69
Total Unusual Items
0.00
+100.00%
-0.01
+99.48%
-1.15
-140.83%
2.81
Total Unusual Items Excluding Goodwill
0.00
+100.00%
-0.01
+99.48%
-1.15
-140.83%
2.81
Special Income Charges
0.00
+100.00%
-0.01
+99.48%
-1.15
-140.83%
2.81
Other Special Charges
—
0.01
-99.48%
1.15
+140.83%
-2.81
Net Income
15.27
+30.88%
11.67
-22.58%
15.07
-41.79%
25.89
Pretax Income
19.79
+32.31%
14.96
-23.63%
19.58
-43.45%
34.63
Net Interest Income
70.10
+17.19%
59.82
-11.92%
67.91
-14.29%
79.23
Interest Expense
48.52
-2.99%
50.02
+50.61%
33.21
+395.95%
6.70
Interest Income
118.62
+8.00%
109.83
+8.62%
101.12
+17.68%
85.93
Gain On Sale Of Security
0.28
-78.62%
1.30
+120.71%
0.59
+296.99%
-0.30
Tax Provision
4.52
+37.37%
3.29
-27.13%
4.52
-48.34%
8.74
Tax Rate For Calcs
0.00
+3.83%
0.00
-4.75%
0.00
-8.33%
0.00
Tax Effect Of Unusual Items
0.00
+100.00%
-0.00
+99.50%
-0.26
-137.42%
0.71
Net Income Including Noncontrolling Interests
15.27
+30.88%
11.67
-22.58%
15.07
-41.79%
25.89
Net Income From Continuing Operation Net Minority Interest
15.27
+30.88%
11.67
-22.58%
15.07
-41.79%
25.89
Net Income From Continuing And Discontinued Operation
15.27
+30.88%
11.67
-22.58%
15.07
-41.79%
25.89
Net Income Continuous Operations
15.27
+30.88%
11.67
-22.58%
15.07
-41.79%
25.89
Normalized Income
15.27
+30.83%
11.67
-26.83%
15.95
-32.95%
23.79
Net Income Common Stockholders
15.27
+30.88%
11.67
-22.58%
15.07
-41.79%
25.89
Diluted EPS
0.75
+33.93%
0.56
-20.00%
0.70
-40.68%
1.18
Basic EPS
0.76
+35.71%
0.56
-20.00%
0.70
-40.68%
1.18
Basic Average Shares
20.19
-3.37%
20.90
-2.95%
21.54
-1.57%
21.88
Diluted Average Shares
20.32
-3.31%
21.02
-2.75%
21.61
-1.50%
21.94
Diluted NI Availto Com Stockholders
15.27
+30.88%
11.67
-22.58%
15.07
-41.79%
25.89
Insurance And Claims
1.60
+9.86%
1.46
+10.52%
1.32
+26.05%
1.05
Occupancy And Equipment
7.09
-1.36%
7.19
+2.74%
7.00
-0.14%
7.01
Other Non Interest Expense
14.29
+5.41%
13.56
+1.03%
13.42
+7.63%
12.47
Professional Expense And Contract Services Expense
2.02
-6.66%
2.16
-20.90%
2.73
+5.04%
2.60
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,736.48
+3.14%
2,653.09
+3.45%
2,564.57
+0.45%
2,553.15
Cash And Cash Equivalents
38.15
-33.30%
57.19
+121.23%
25.85
-9.90%
28.69
Cash Financial
19.89
+5.66%
18.82
-9.43%
20.78
-18.74%
25.58
Other Short Term Investments
5.00
-96.89%
160.70
+17.20%
137.12
-6.72%
147.00
Receivables
8.78
+3.72%
8.47
-0.70%
8.53
+4.77%
8.14
Accounts Receivable
8.78
+3.72%
8.47
-0.70%
8.53
+4.77%
8.14
Net PPE
23.34
-4.41%
24.42
-4.51%
25.57
+2.49%
24.95
Gross PPE
63.40
+1.72%
62.33
+1.82%
61.21
+4.94%
58.33
Accumulated Depreciation
-40.05
-5.67%
-37.91
-6.37%
-35.63
-6.77%
-33.38
Land And Improvements
6.24
+0.00%
6.24
+0.00%
6.24
+0.00%
6.24
Buildings And Improvements
29.07
+2.17%
28.45
+0.78%
28.23
+5.58%
26.74
Machinery Furniture Equipment
24.62
+1.88%
24.16
+3.85%
23.27
+6.34%
21.88
Leases
3.47
+0.00%
3.47
+0.00%
3.47
+0.00%
3.47
Goodwill And Other Intangible Assets
13.55
-2.69%
13.93
-2.62%
14.30
-2.56%
14.68
Goodwill
12.49
+0.00%
12.49
+0.00%
12.49
+0.00%
12.49
Other Intangible Assets
1.06
-26.08%
1.44
-20.68%
1.81
-17.14%
2.19
Investments And Advances
365.23
-0.25%
366.14
+1.51%
360.68
-5.93%
383.40
Total Liabilities Net Minority Interest
2,488.84
+2.96%
2,417.18
+3.87%
2,327.16
+0.09%
2,325.01
Current Debt And Capital Lease Obligation
13.27
+146.20%
5.39
-66.52%
16.10
-61.06%
41.35
Current Debt
13.27
+146.20%
5.39
-66.52%
16.10
-61.06%
41.35
Other Current Borrowings
13.27
+146.20%
5.39
-66.52%
16.10
-61.06%
41.35
Long Term Debt And Capital Lease Obligation
92.79
-21.20%
117.75
-16.11%
140.36
+573.15%
20.85
Long Term Debt
92.79
-21.20%
117.75
-16.11%
140.36
+573.15%
20.85
Stockholders Equity
247.64
+4.97%
235.91
-0.63%
237.41
+4.06%
228.14
Common Stock Equity
247.64
+4.97%
235.91
-0.63%
237.41
+4.06%
228.14
Capital Stock
0.20
-2.39%
0.21
-3.69%
0.22
-2.25%
0.22
Common Stock
0.20
-2.39%
0.21
-3.69%
0.22
-2.25%
0.22
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
20.37
-2.41%
20.88
-3.65%
21.67
-2.48%
22.22
Ordinary Shares Number
20.37
-2.41%
20.88
-3.65%
21.67
-2.48%
22.22
Additional Paid In Capital
114.52
-4.03%
119.33
-4.88%
125.45
-2.68%
128.90
Retained Earnings
152.30
+6.70%
142.75
+4.20%
136.99
+7.04%
127.98
Gains Losses Not Affecting Retained Earnings
-16.72
+28.17%
-23.27
-7.04%
-21.74
+13.17%
-25.04
Other Equity Adjustments
-16.72
+28.17%
-23.27
-7.04%
-21.74
+13.17%
-25.04
Total Equity Gross Minority Interest
247.64
+4.97%
235.91
-0.63%
237.41
+4.06%
228.14
Total Capitalization
340.43
-3.74%
353.66
-6.38%
377.77
+51.72%
248.99
Invested Capital
353.70
-1.49%
359.05
-8.84%
393.87
+35.66%
290.34
Total Debt
106.06
-13.87%
123.14
-21.29%
156.46
+151.54%
62.20
Net Debt
67.92
+2.97%
65.95
-49.50%
130.61
+289.75%
33.51
Net Tangible Assets
234.09
+5.45%
221.99
-0.50%
223.11
+4.52%
213.47
Tangible Book Value
234.09
+5.45%
221.99
-0.50%
223.11
+4.52%
213.47
Available For Sale Securities
176.43
+44341.31%
0.40
+102.55%
0.20
-96.86%
6.24
Cash Cash Equivalents And Federal Funds Sold
40.38
-39.23%
66.45
+130.41%
28.84
-4.95%
30.34
Held To Maturity Securities
183.80
-10.36%
205.04
-8.21%
223.37
-2.95%
230.17
Other Equity Interest
-2.67
+13.86%
-3.10
+11.67%
-3.50
+10.54%
-3.92
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
18.21
+49.65%
12.17
-17.62%
14.77
-59.82%
36.77
Cash Flow From Continuing Operating Activities
18.21
+49.65%
12.17
-17.62%
14.77
-59.82%
36.77
Net Income From Continuing Operations
15.27
+30.88%
11.67
-22.58%
15.07
-41.79%
25.89
Depreciation Amortization Depletion
2.48
-4.64%
2.60
+0.42%
2.59
-3.46%
2.69
Depreciation
2.11
-5.43%
2.23
+0.50%
2.22
-4.02%
2.31
Amortization Cash Flow
0.38
+0.00%
0.38
+0.00%
0.38
+0.00%
0.38
Depreciation And Amortization
2.48
-4.64%
2.60
+0.42%
2.59
-3.46%
2.69
Amortization Of Intangibles
0.38
+0.00%
0.38
+0.00%
0.38
+0.00%
0.38
Other Non Cash Items
-1.96
-0.31%
-1.95
+22.09%
-2.50
-34.57%
-1.86
Stock Based Compensation
1.79
-12.35%
2.04
+3.13%
1.98
+12.64%
1.76
Deferred Tax
-1.00
-662.92%
0.18
-6.81%
0.19
-82.44%
1.09
Deferred Income Tax
-1.00
-662.92%
0.18
-6.81%
0.19
-82.44%
1.09
Operating Gains Losses
-0.01
+95.20%
-0.23
-7733.33%
0.00
-25.00%
0.00
Gain Loss On Investment Securities
—
0.00
-100.00%
0.00
-75.00%
0.00
Unrealized Gain Loss On Investment Securities
-0.04
-169.23%
-0.01
-1400.00%
0.00
-99.86%
0.72
Gain Loss On Sale Of PPE
0.00
-100.00%
0.01
+100.00%
0.00
0.00
Change In Working Capital
-0.09
+97.04%
-3.18
+39.27%
-5.24
-248.89%
3.52
Change In Receivables
-0.32
-625.00%
0.06
+115.46%
-0.39
-6.30%
-0.36
Changes In Account Receivables
-0.32
-625.00%
0.06
+115.46%
-0.39
-6.30%
-0.36
Change In Other Current Assets
0.34
+159.40%
0.13
+113.74%
-0.97
+77.05%
-4.22
Change In Other Current Liabilities
-0.12
+96.32%
-3.37
+13.07%
-3.88
-147.89%
8.10
Investing Cash Flow
-113.61
-143.84%
-46.59
-239.95%
-13.71
+87.75%
-111.87
Cash Flow From Continuing Investing Activities
-113.61
-143.84%
-46.59
-239.95%
-13.71
+87.75%
-111.87
Net PPE Purchase And Sale
-1.07
+4.37%
-1.12
+61.10%
-2.88
-152.32%
-1.14
Purchase Of PPE
-1.07
+10.28%
-1.20
+58.79%
-2.90
-153.89%
-1.14
Sale Of PPE
0.00
-100.00%
0.07
+311.11%
0.02
0.00
Capital Expenditure
-1.07
+10.28%
-1.20
+58.79%
-2.90
-153.89%
-1.14
Net Investment Purchase And Sale
0.34
+253.88%
-0.22
-100.89%
24.48
+58.79%
15.41
Purchase Of Investment
-31.80
+6.59%
-34.05
-331.11%
-7.90
+76.09%
-33.03
Sale Of Investment
32.14
-4.99%
33.83
+4.49%
32.37
-33.17%
48.45
Net Other Investing Changes
0.46
+121.74%
-2.11
-222.45%
1.72
+2.80%
1.68
Financing Cash Flow
69.33
-3.75%
72.03
+2903.97%
-2.57
-229.10%
1.99
Cash Flow From Continuing Financing Activities
69.33
-3.75%
72.03
+2903.97%
-2.57
-229.10%
1.99
Net Issuance Payments Of Debt
-17.12
+48.67%
-33.36
-135.40%
94.22
+136.27%
39.88
Issuance Of Debt
0.00
-100.00%
98.00
-18.33%
120.00
0.00
Repayment Of Debt
-25.00
+79.28%
-120.65
-22577.82%
-0.53
+63.86%
-1.47
Long Term Debt Issuance
0.00
-100.00%
98.00
-18.33%
120.00
0.00
Long Term Debt Payments
-25.00
+79.28%
-120.65
-22577.82%
-0.53
+63.86%
-1.47
Net Long Term Debt Issuance
-25.00
-10.39%
-22.65
-118.96%
119.47
+8216.03%
-1.47
Net Short Term Debt Issuance
7.88
+173.58%
-10.71
+57.58%
-25.25
-161.06%
41.35
Net Common Stock Issuance
-6.10
+19.77%
-7.60
-51.31%
-5.02
+20.93%
-6.35
Common Stock Payments
-6.10
+19.77%
-7.60
-51.31%
-5.02
+20.93%
-6.35
Common Stock Dividend Paid
-5.71
+3.42%
-5.91
+2.51%
-6.07
-14.86%
-5.28
Cash Dividends Paid
-5.71
+3.42%
-5.91
+2.51%
-6.07
-14.86%
-5.28
Repurchase Of Capital Stock
-6.10
+19.77%
-7.60
-51.31%
-5.02
+20.93%
-6.35
Proceeds From Stock Option Exercised
—
0.00
0.00
-100.00%
1.17
Net Other Financing Charges
—
—
—
—
Changes In Cash
-26.07
-169.31%
37.61
+2603.99%
-1.50
+97.95%
-73.11
Beginning Cash Position
66.45
+130.41%
28.84
-4.95%
30.34
-70.67%
103.46
End Cash Position
40.38
-39.23%
66.45
+130.41%
28.84
-4.95%
30.34
Free Cash Flow
17.14
+56.19%
10.97
-7.56%
11.87
-66.68%
35.63
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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