YOLFTbeta
Western New England Bancorp Inc

Western New England Bancorp Inc

WNEB · NASDAQ · Financial Services / Banks - Regional

13.60USD+0.08 (+0.59%)

Price History

Full chart

Market Stats

Previous Close13.52
Open13.48
Day Range13.15 – 13.64
52-Week Range10.55 – 14.94
Volume31.60K
Market Cap277.23M
P/E (TTM)16.66
Forward P/E12.85
EPS0.83
Dividend Yield2.02%
Beta0.76
50-Day Avg13.83
200-Day Avg13.53

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. James C. Hagan
  • Employees292
  • Headquarters141 Elm Street, Westfield, MA, United States, 01085, USA
  • Websitehttps://www.westfieldbank.com

Leadership

  • Mr. James C. HaganPresident, CEO & Director · b. 1961
  • Ms. Guida R. SajdakCFO, Executive VP & Treasurer · b. 1973
  • Mr. Allen J. Miles IIIExecutive VP & Chief Lending Officer · b. 1963
  • Mr. Kevin C. O'ConnorExecutive VP & COO · b. 1960
  • Carole HinkleyAssistant VP & Investment Officer
  • Ms. Darlene M. LibiszewskiSenior VP & Chief Information Officer · b. 1967
  • Ms. Meghan HibnerVP, Controller & Investor Relations Officer
  • Ms. Nadia M. BaralVP & Director of Compliance
  • Mr. John E. Bonini J.D.Senior VP & General Counsel · b. 1969
  • Mr. Daniel MariniSenior Vice President of Retail Banking & Marketing · b. 1973

Financials

Income Statement

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue28.48M29.15M19.35M17.68M15.56M40.68M45.51M58.15M58.86M56.03M53.54M48.81M50.11M48.67M45.45M48.64M55.48M82.54M88.22M91.82M92.13M92.41M99.26M101.12M122.74M129.83M
Growth (%)-+2.35%-33.63%-8.61%-12.01%+161.44%+11.87%+27.77%+1.23%-4.81%-4.44%-8.83%+2.66%-2.87%-6.62%+7.02%+14.07%+48.76%+6.89%+4.08%+0.33%+0.31%+7.41%+1.87%+21.38%+5.77%
Cost of Revenue25.62M26.63M19.71M14.61M11.66M14.06M19.94M23.81M25.76M23.92M25.69M15.67M13.36M10.03M11.50M12.07M11.86M16.00M20.88M26.81M26.22M5.75M7.40M34.08M49.35M49.34M
Gross Profit2.85M2.52M-362.00K3.07M3.90M26.62M25.57M34.34M33.10M32.10M27.85M33.14M36.75M38.64M33.95M36.57M43.62M66.53M67.34M65.01M65.91M86.67M91.86M101.12M73.39M80.49M
Gross Margin10.02%8.63%-1.87%17.38%25.04%65.43%56.18%59.05%56.24%57.30%52.02%67.89%73.34%79.38%74.70%75.19%78.62%80.61%76.33%70.80%71.54%93.78%92.55%100.00%59.79%61.99%
Operating Expense-6.41M-5.01M-6.64M-3.40M-4.99M18.46M19.39M21.82M24.62M25.38M24.81M25.96M28.24M30.01M25.91M28.73M36.22M44.79M46.24M47.81M51.75M54.94M57.23M81.53M58.43M61.18M
Operating Income9.27M7.53M6.28M6.47M8.88M8.15M6.18M12.51M8.49M6.73M3.04M7.18M8.51M8.63M8.04M7.84M7.40M21.75M21.11M17.20M14.16M31.72M34.63M19.58M14.96M19.30M
Operating Margin32.53%25.83%32.48%36.60%57.11%20.04%13.57%21.52%14.42%12.01%5.68%14.71%16.98%17.72%17.70%16.12%13.34%26.35%23.93%18.73%15.37%34.33%34.89%19.37%12.19%14.87%
EBITDA10.00M8.63M7.33M7.55M9.89M11.86M7.86M13.93M9.67M7.98M4.30M8.30M9.56M9.73M9.23M9.15M8.90M24.09M23.54M19.66M16.68M34.42M37.32M19.58M17.56M21.19M
EBITDA Margin35.10%29.60%37.91%42.70%63.55%29.16%17.28%23.96%16.43%14.24%8.03%17.00%19.08%19.99%20.31%18.82%16.05%29.18%26.68%21.41%18.10%37.25%37.59%19.37%14.31%16.32%
Net Income6.08M5.02M4.04M3.65M6.32M6.22M4.65M8.70M6.69M5.46M3.01M5.87M6.25M6.76M6.16M5.71M4.83M12.32M16.41M13.35M11.21M23.70M25.89M15.07M11.67M15.27M
Net Income Margin21.35%17.21%20.90%20.65%40.64%15.29%10.23%14.96%11.37%9.74%5.61%12.03%12.48%13.88%13.56%11.75%8.71%14.93%18.60%14.54%12.17%25.64%26.08%14.90%9.50%11.76%
R&D-----------00000000-------
R&D as % of Total Revenue-----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense24.54M25.00M18.77M13.86M10.91M13.60M19.55M23.41M22.30M20.02M16.77M14.47M12.66M10.29M9.92M10.79M11.29M14.64M18.98M24.14M18.45M6.67M6.70M33.21M50.02M48.52M
Interest Expense % of Total Revenue86.15%85.77%97.04%78.37%70.14%33.43%42.96%40.26%37.89%35.74%31.31%29.64%25.27%21.14%21.83%22.19%20.34%17.74%21.51%26.29%20.02%7.22%6.75%32.84%40.75%37.37%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets694.79M782.73M812.98M795.22M796.90M805.10M996.83M1.04B1.11B1.19B1.24B1.26B1.30B1.28B1.32B1.34B2.08B2.08B2.12B2.18B2.37B2.54B2.55B2.56B2.65B2.74B
Total Liabilities617.04M651.41M686.28M670.41M678.85M689.25M707.42M753.25M849.14M944.11M1.02B1.04B1.11B1.12B1.18B1.20B1.84B1.84B1.88B1.95B57.85M2.31B2.33B2.33B2.42B2.49B
Total Equity77.75M131.32M126.70M124.80M118.05M115.84M289.41M286.53M259.92M247.30M221.25M218.99M189.19M154.14M142.54M139.47M238.40M247.28M237.03M232.02M2.31B223.69M228.14M237.41M235.91M247.64M
Cash32.73M57.03M56.58M45.67M51.05M21.37M56.85M16.61M56.53M28.72M11.60M20.97M11.30M19.22M18.52M13.60M65.85M26.81M25.54M23.11M87.44M98.56M28.69M25.85M57.19M38.15M
Total Debt7.69M6.06M23.72M32.13M59.62M59.44M72.92M140.27M223.12M288.34M301.09M300.31M348.80M296.57M326.48M281.76M297.19M309.44M267.27M240.51M101.72M22.29M62.20M156.46M123.14M106.06M
Net Debt-25.04M-50.97M-32.85M-13.54M8.57M38.08M16.07M123.66M166.59M259.63M289.49M279.33M337.49M277.35M307.96M268.16M231.34M282.63M241.72M217.41M-29.59M-76.27M33.51M130.61M65.95M67.92M

Cash Flow

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow6.07M8.75M7.44M7.10M10.16M9.99M7.05M13.02M11.10M10.44M18.36M14.79M11.31M14.20M12.35M12.08M1.12M18.86M24.64M15.38M25.07M27.54M36.09M14.77M12.17M18.21M
Investing Cash Flow-49.11M-65.76M-36.63M3.91M1.67M-35.78M-63.55M-156.97M-34.20M-135.60M-71.98M-13.31M-46.43M14.98M-45.47M-30.91M33.86M-55.97M-45.74M-48.08M-123.56M-161.66M-111.19M-13.71M-46.59M-113.61M
Financing Cash Flow50.28M81.32M28.73M-21.11M-6.46M1.20M184.54M27.07M42.02M97.34M36.51M8.01M25.77M-21.20M32.17M13.75M21.86M-5.99M20.76M30.65M161.19M150.13M1.99M-2.57M72.03M69.33M
Capital Expenditure3.89M2.94M322.00K452.00K734.00K493.00K2.61M1.01M536.00K1.40M662.00K514.00K1.13M1.02M1.94M3.22M1.49M2.21M3.33M1.28M3.58M3.46M1.14M2.90M1.20M1.07M
Free Cash Flow2.18M5.81M7.12M6.65M9.43M9.49M4.45M12.00M10.56M9.04M17.69M14.28M10.18M13.18M10.41M8.86M-363.00K16.65M21.31M14.09M21.49M24.09M34.95M11.87M10.97M17.14M
Dividends Paid--1.59M2.11M1.71M3.56M3.79M12.07M17.95M14.60M14.29M14.30M10.72M5.87M3.83M2.10M2.44M3.58M4.64M5.27M5.04M4.68M5.28M6.07M5.91M5.71M
FCF to OCF35.94%66.43%95.67%93.63%92.78%95.06%63.02%92.20%95.17%86.63%96.39%96.52%90.02%92.82%84.31%73.34%-32.30%88.27%86.50%91.64%85.71%87.45%96.83%80.36%90.17%94.11%
Dividend Paid to FCF--22.30%31.78%18.17%37.48%85.15%100.60%169.95%161.40%80.79%100.20%105.30%44.55%36.81%23.69%-671.90%21.50%21.78%37.42%23.44%19.42%15.11%51.10%53.89%33.33%

Earnings

Report DateDec 30, 2001Apr 24, 2002Jul 24, 2002Oct 23, 2002Jan 29, 2003Apr 24, 2003Jul 23, 2003Oct 29, 2003Jan 28, 2004Apr 27, 2004Jul 27, 2004Oct 27, 2004Jan 26, 2005Apr 27, 2005Jul 27, 2005Oct 26, 2005Jan 25, 2006Apr 26, 2006Jul 26, 2006Oct 25, 2006Jan 24, 2007Apr 25, 2007Jul 18, 2007Oct 24, 2007Jan 23, 2008Apr 23, 2008Jul 23, 2008Oct 29, 2008Jan 28, 2009Apr 29, 2009Jul 22, 2009Oct 28, 2009Jan 27, 2010Apr 28, 2010Jul 21, 2010Oct 27, 2010Jan 26, 2011Apr 27, 2011Jul 27, 2011Oct 26, 2011Jan 25, 2012Apr 25, 2012Jul 25, 2012Oct 29, 2012Jan 30, 2013May 1, 2013Jul 24, 2013Oct 23, 2013Jan 29, 2014Apr 30, 2014Jul 23, 2014Oct 29, 2014Jan 30, 2015Apr 29, 2015Jul 29, 2015Oct 28, 2015Jan 27, 2016May 2, 2016Jul 27, 2016Oct 26, 2016Feb 2, 2017Apr 26, 2017Jul 26, 2017Oct 24, 2017Jan 30, 2018Apr 24, 2018Jul 24, 2018Oct 23, 2018Jan 29, 2019Apr 23, 2019Jul 23, 2019Oct 22, 2019Jan 28, 2020Apr 28, 2020Jul 28, 2020Oct 27, 2020Jan 26, 2021Apr 27, 2021Jul 27, 2021Oct 26, 2021Jan 25, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Jan 24, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Jan 23, 2024Apr 23, 2024Jul 23, 2024Oct 23, 2024Jan 28, 2025Apr 22, 2025Jul 22, 2025Oct 28, 2025Jan 27, 2026Apr 28, 2026Jul 28, 2026Oct 27, 2026
EPS Estimate0.050.050.040.040.040.030.030.030.030.040.040.040.050.050.050.050.060.050.050.050.070.080.080.070.070.070.060.060.070.050.030.050.060.060.050.050.030.030.050.060.050.050.050.050.060.060.070.070.070.080.090.080.100.090.080.080.090.090.090.090.080.110.130.130.120.130.140.140.140.130.130.130.130.120.050.100.090.170.190.220.240.220.250.270.290.280.180.150.140.120.110.100.120.120.140.190.210.210.250.26
EPS Actual0.040.030.030.040.030.040.030.030.040.050.050.050.050.050.050.050.060.040.040.040.130.070.060.070.070.060.070.070.080.040.050.040.060.05-0.040.030.050.050.060.060.060.090.040.060.070.080.080.080.090.090.070.140.090.080.080.090.080.120.060.060.070.130.120.130.120.120.170.140.140.130.120.120.130.080.080.080.200.210.240.270.300.250.260.280.320.240.130.210.120.140.170.090.160.110.230.160.260.240.18-
Surprise-20.00%-40.00%-25.00%0.00%-25.00%33.33%0.00%0.00%33.33%25.00%25.00%25.00%0.00%0.00%0.00%0.00%0.00%-20.00%-20.00%-20.00%85.71%-12.50%-25.00%0.00%0.00%-14.29%16.67%16.67%14.29%-20.00%66.67%-20.00%0.00%-16.67%-180.00%-40.00%66.67%66.67%20.00%0.00%20.00%80.00%-20.00%20.00%16.67%33.33%14.29%14.29%28.57%12.50%-22.22%75.00%-10.00%-11.11%0.00%12.50%-11.11%33.33%-33.33%-33.33%-12.50%18.18%-7.69%0.00%0.00%-7.69%21.43%0.00%0.00%0.00%-7.69%-7.69%0.00%-33.33%60.00%-20.00%122.22%23.53%26.32%22.73%25.00%13.64%4.00%3.70%10.34%-14.29%-27.78%40.00%-14.29%16.67%54.55%-10.00%33.33%-8.33%64.29%-15.79%23.81%14.29%-28.00%-
TimingAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap277.23M
Enterprise Value309.84M
Trailing P/E16.66
Forward P/E12.85
PEG Ratio1.58
Price / Sales3.23
Price / Book0.99
EPS0.83
Book Value12.41
Revenue (TTM)85.80M
Gross Profit (TTM)85.80M
Profit Margin19.52%
Operating Margin24.48%
Return on Equity6.87%
Return on Assets0.62%
Shares Outstanding20.05M
Shares Float17.36M
Beta0.76
Dividend Yield2.02%
Dividend Rate0.28
Payout Ratio33.33%

Analyst Ratings

Buy
Based on 3 analystsTarget 14.75
  • Strong Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
64.63%
Insiders
11.69%
Retail / Other
23.68%

Top Institutional Holders

  • BlackRock Inc
    1.71M8.55%
  • Dimensional Fund Advisors, Inc.
    1.42M7.08%
  • Renaissance Technologies Corp
    1.00M4.99%
  • STRATEGIC VALUE BANK PARTNERS LLC
    865.57K4.32%
  • Vanguard Capital Management, LLC
    855.20K4.27%
  • Royce & Associates, LP
    738.10K3.68%
  • Ameriprise Financial Inc
    700.57K3.49%
  • Acadian Asset Management LLC
    553.21K2.76%
  • Geode Capital Management, LLC
    399.56K1.99%
  • Arrowstreet Capital Limited Partnership
    305.83K1.53%
  • State Street Corp
    270.66K1.35%
  • Bridgeway Capital Management, LLC
    234.93K1.17%
  • Mangrove Partners
    219.93K1.10%
  • Federated Hermes Inc
    215.69K1.08%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    543.02K2.71%
  • Columbia Small Cap Value Discv A
    522.25K2.61%
  • iShares Russell 2000 ETF
    433.01K2.16%
  • Royce Micro-Cap Trust
    377.81K1.88%
  • DFA US Small Cap Value I
    346.40K1.73%
  • Royce Micro-Cap Invmt
    258.77K1.29%

Dividends

20264×
0.07Nov 10, 20260.07Aug 12, 20260.07May 13, 20260.07Feb 11, 2026
20254×
0.07Nov 12, 20250.07Aug 6, 20250.07May 7, 20250.07Feb 12, 2025
20244×
0.07Nov 7, 20240.07Aug 7, 20240.07May 7, 20240.07Feb 6, 2024
20234×
0.07Nov 7, 20230.07Aug 8, 20230.07May 9, 20230.07Feb 7, 2023
20224×
0.06Nov 8, 20220.06Aug 9, 20220.06May 10, 20220.06Feb 8, 2022
20214×
0.05Nov 9, 20210.05Aug 10, 20210.05May 11, 20210.05Feb 9, 2021

Stock Splits

  • Jan 4, 20071621:494