Western New England Bancorp, Inc. (WNEB) | Investment Case

1. Company Snapshot

1.a. Company Description

Western New England Bancorp, Inc.operates as the holding company for Westfield Bank that provides a range of commercial and retail banking products and services to individuals and businesses.The company accepts various deposit accounts, including checking, business and municipal savings, money market and sweep, individual retirement, and other savings accounts; time deposits; certificates of deposit; and interest on lawyers trust accounts.

It also offers residential and commercial real estate, commercial construction, working capital, equipment financing and term, home equity, and consumer loans; commercial and industrial loans, such as revolving lines of credit.In addition, the company provides automated teller machine (ATM), telephone and online banking, remote deposit capture, cash management, overdraft and safe deposit facility, and night deposit services.As of December 31, 2021, it operated through a network of 25 banking offices, 23 free-standing ATMs, and 35 seasonal or temporary ATMS located in Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield and Westfield, Massachusetts and Bloomfield, Enfield, Granby, and West Hartford, Connecticut.

The company was formerly known as Westfield Financial, Inc.and changed its name to Western New England Bancorp, Inc.in October 2016.

Western New England Bancorp, Inc.was founded in 1853 and is headquartered in Westfield, Massachusetts.

Show Full description

1.b. Last Insights on WNEB

The recent 3-month performance of Western New England Bancorp, Inc. was negatively impacted by a decline in earnings estimate revisions, despite surpassing Q4 earnings and revenue estimates. The company's net income for the three months ended December 31, 2024, was $3.3 million, or $0.16 per diluted share, compared to $2.5 million, or $0.12 per diluted share, for the same period in 2023. However, the latest trend in earnings estimate revisions suggests a potential slowdown in growth, which may be a concern for investors.

1.c. Company Highlights

Last Price	13.28
Change Percentage	-0.30%
Open	13.35
Previous Close	13.32
Market Cap ( Millions)	272
Volume	55948
Year High	13.95
Year Low	7.63
M A 50	11.82
M A 200	10.55

FCF Yield	6.02%
Dividend Yield	2.11%
ROE	5.58%
Debt / Equity	41.45%
Net Debt / EBIDTA	89.79%
Price To Book	1.1
Price Earnings Ratio	20.01
Price To FCF	16.6
Price To sales	2.2
EV / EBITDA	14.44

2. Transcript Summary

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3. NewsRoom

Western New England Bancorp (NASDAQ:WNEB) Receives $11.00 Average Target Price from Analysts

Oct -31

Source: defenseworld.net

Western New England Bancorp (WNEB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Oct -29

Source: zacks.com

Western New England Bancorp (WNEB) Lags Q3 Earnings Estimates

Oct -28

Source: zacks.com

Western New England Bancorp, Inc. Reports Results for Three and Nine Months Ended September 30, 2025 and Declares Quarterly Cash Dividend

Oct -28

Source: globenewswire.com

Surging Earnings Estimates Signal Upside for Western New England Bancorp (WNEB) Stock

Jul -25

Source: zacks.com

What Makes Western New England Bancorp (WNEB) a Strong Momentum Stock: Buy Now?

Jul -25

Source: zacks.com

Western New England Bancorp (WNEB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Jul -22

Source: zacks.com

Western New England Bancorp (WNEB) Surpasses Q2 Earnings and Revenue Estimates

Jul -22

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.50%)

6. Segments

Investment Advisory and Wealth Management Services

Expected Growth: 5.5%

Growing demand for personalized financial planning, increasing adoption of investment management services, and rising need for wealth protection strategies among individuals, families, and institutions are expected to drive the growth of Western New England Bancorp's investment advisory and wealth management services.

7. Detailed Products

Personal Banking

Western New England Bancorp, Inc. offers a range of personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Business Banking

The company provides business banking services, including commercial loans, lines of credit, cash management, and merchant services, to support the growth and success of businesses.

Wealth Management

Western New England Bancorp, Inc. offers wealth management services, including investment management, retirement planning, and estate planning, to help individuals and families achieve their financial goals.

Mortgage Lending

The company provides mortgage lending services, including residential and commercial mortgages, home equity loans, and construction loans, to help individuals and businesses achieve their real estate goals.

Insurance Services

Western New England Bancorp, Inc. offers insurance services, including life insurance, disability insurance, and long-term care insurance, to help individuals and businesses manage risk and protect their assets.

8. Western New England Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Western New England Bancorp, Inc. is moderate due to the presence of alternative financial institutions and online banking services.

Bargaining Power Of Customers

The bargaining power of customers is low for Western New England Bancorp, Inc. as customers have limited negotiating power and the bank has a strong market presence.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate for Western New England Bancorp, Inc. as the bank relies on a few large suppliers for its operations, but has some negotiating power due to its size.

Threat Of New Entrants

The threat of new entrants is low for Western New England Bancorp, Inc. due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.

Intensity Of Rivalry

The intensity of rivalry is high for Western New England Bancorp, Inc. due to the competitive nature of the banking industry, with many established players competing for market share.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	39.95%
Debt Cost	7.20%
Equity Weight	60.05%
Equity Cost	7.20%
WACC	7.20%
Leverage	66.52%

11. Quality Control: Western New England Bancorp, Inc. passed 2 out of 9 key points

Strong Liquidity

Low Deb

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

First Bancorp

A-Score: 6.6/10

Value: 7.0

Growth: 4.9

Quality: 5.9

Yield: 9.0

Momentum: 5.0

Volatility: 8.0

1-Year Total Return ->

Farmers National Banc

A-Score: 6.2/10

Value: 7.0

Growth: 5.6

Quality: 5.4

Yield: 8.0

Momentum: 4.0

Volatility: 7.3

1-Year Total Return ->

Stellar Bancorp

A-Score: 6.2/10

Value: 6.0

Growth: 4.9

Quality: 7.5

Yield: 4.0

Momentum: 7.0

Volatility: 7.7

1-Year Total Return ->

Western New England Bancorp

A-Score: 6.0/10

Value: 5.4

Growth: 4.4

Quality: 6.2

Yield: 5.0

Momentum: 8.5

Volatility: 6.7

1-Year Total Return ->

Origin Bancorp

A-Score: 5.7/10

Value: 5.9

Growth: 5.3

Quality: 6.4

Yield: 3.0

Momentum: 6.0

Volatility: 7.7

1-Year Total Return ->

California Bank

A-Score: 4.8/10

Value: 5.8

Growth: 8.4

Quality: 6.3

Yield: 0.0

Momentum: 5.0

Volatility: 3.3

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

2.78%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

7.20%

Western New England Bancorp, Inc. - US9588921018

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on WNEB

1.c. Company Highlights

Average Yield

Average Quality

Average Growth

Earnings Beats

Revenues Beats

Stable Momentum

Fairly Valued

Higher Growth

Earnings Miss

Revenues Miss

Medium Volatility

Strong Momentum

Lower Quality

Expensive

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.50%)

6. Segments

Investment Advisory and Wealth Management Services

Expected Growth: 5.5%

7. Detailed Products

Personal Banking

Business Banking

Wealth Management

Mortgage Lending

Insurance Services

8. Western New England Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Western New England Bancorp, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

13.28$

Current Price

13.28$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA