Western New England Bancorp, Inc.
WNEB Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 26, 2026
$13.81
KIRA · Stoqly’s AI analyst, in plain words
- Western New England Bancorp, Inc. had $82.6M of revenue in fiscal 2025, up 13.6% on the year before. Over five years, revenue changed +351.6% a year on average.
- Western New England Bancorp, Inc. made $15.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 13.5% a year.
- Western New England Bancorp, Inc. returned $11.8M to shareholders in fiscal 2025, 69% of free cash flow. The diluted share count fell 3.3%.
- It earned 6.3% on shareholders’ money. Running costs took 75.6% of revenue (the efficiency ratio; lower is better).
Market cap
$275M
P/E
16.4x
Revenue
$82.6M
Net income
$15.3M
Return on equity
6.3%
Efficiency ratio
75.6%
Western New England Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+13.6%
Yes. Sales grew 13.6% last year.
Does it make a profit?
18.5%
Yes. It keeps 18.5% of every sale as profit.
How lean are its costs?
75.6%
Costly. Running costs take 75.6% of revenue.
How much does it earn on its capital?
6.3%
Low. It earns 6.3% a year on shareholders’ money.
How is the share priced?
16.4x
One share costs 16.4 times its yearly profit per share.
What Western New England Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 10, 2026
- Legal name
- Western New England Bancorp, Inc.
- CIK
- 0001157647
Western New England Bancorp, Inc. · WNEB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $85.7M | $92.6M | $78.8M | $72.7M | $82.6M |
| Revenue growth | 194,765.9% | 8.0% | −14.9% | −7.7% | 13.6% |
| Net interest income | $73.2M | $79.2M | $67.9M | $59.8M | $70.1M |
| Net income | $23.7M | $25.9M | $15.1M | $11.7M | $15.3M |
| Net margin | 27.6% | 28.0% | 19.1% | 16.0% | 18.5% |
| Diluted EPS | $1.02 | $1.18 | $0.70 | $0.56 | $0.75 |
| Cash | |||||
| Cash from operations | $28.8M | $36.8M | $14.8M | $12.2M | $18.2M |
| Capital expenditure | $3.5M | $1.1M | $2.9M | $1.2M | $1.1M |
| Free cash flow | $25.3M | $35.6M | $11.9M | $11.0M | $17.1M |
| FCF margin | 29.5% | 38.5% | 15.1% | 15.1% | 20.7% |
| Dividends paid | $4.7M | $5.3M | $6.1M | $5.9M | $5.7M |
| Share buybacks | $23.3M | $6.4M | $5.0M | $7.6M | $6.1M |
| Share count change | −7.0% | −5.8% | −1.5% | −2.7% | −3.3% |
| Debt and strength | |||||
| Cash and short-term investments | $103M | $30.3M | $28.8M | $66.5M | $40.4M |
| Debt incl. finance leases | — | $41.4M | $16.1M | $5.4M | $13.3M |
| Loans, net | $1.8B | $2.0B | $2.0B | $2.1B | $2.2B |
| Deposits | $2.3B | $2.2B | $2.1B | $2.3B | $2.4B |
| Shareholders' equity | $224M | $228M | $237M | $236M | $248M |
| Returns and quality | |||||
| Return on equity | 10.5% | 11.5% | 6.5% | 4.9% | 6.3% |
| Return on tangible equity | 11.4% | 12.1% | 6.8% | 5.3% | 6.5% |
| Efficiency ratio | 64.1% | 61.8% | 74.0% | 80.3% | 75.6% |
| Piotroski F-score | — | — | 4 | 5 | 6 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.2M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Western New England Bancorp, Inc. · WNEB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $13.81 a share, the company is worth $275M: 16.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001157647). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.