WNEB · Western New England Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $6.17M | - | $4.19M | $6.01M | $2.97M | - | $2.52M | $4.28M | $3.79M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $11.26M | - |
| Income Tax | $1.40M | - | $1.03M | $1.42M | $664.0K | - | $618.0K | $771.0K | $827.0K | - |
| Net Income | $4.78M | - | $3.17M | $4.59M | $2.30M | - | $1.90M | $3.51M | $2.96M | - |
| EPS - Basic | $0.24 | - | $0.16 | $0.23 | $0.11 | - | $0.09 | $0.17 | $0.14 | - |
| EPS - Diluted | $0.24 | - | $0.16 | $0.23 | $0.11 | - | $0.09 | $0.17 | $0.14 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $56.14M | $40.38M | $82.94M | $93.31M | $110.58M | $66.45M | $72.80M | $53.46M | $22.61M | $28.84M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.76B | $2.74B | $2.74B | $2.71B | $2.71B | $2.65B | $2.64B | $2.59B | $2.56B | $2.56B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $2.52B | $2.49B | $2.49B | $2.47B | $2.47B | $2.42B | $2.40B | $2.35B | $2.32B | $2.33B |
| Stockholders' Equity | $248.10M | $247.64M | $243.64M | $239.43M | $237.68M | $235.91M | $240.66M | $236.48M | $235.80M | $237.41M |
| Retained Earnings | $155.71M | $152.30M | $148.51M | $146.76M | $143.61M | $142.75M | $140.90M | $140.47M | $138.45M | $136.99M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $346.0K | - | - | - | ($1.24M) | - | - | - | $1.17M | - |
| Investing Cash Flow | ($11.89M) | - | - | - | ($16.16M) | - | - | - | $566.0K | - |
| Financing Cash Flow | $27.30M | - | - | - | $61.53M | - | - | - | ($7.96M) | - |
| CapEx | $287.0K | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | $59.0K | - | - | - | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.01 | - | - | - | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 22.6% | - | 24.5% | 23.7% | 22.4% | - | 24.5% | 18.0% | 21.8% | - |
| Return on assets | 0.2% | - | 0.1% | 0.2% | 0.1% | - | 0.1% | 0.1% | 0.1% | - |
| Return on equity | 1.9% | - | 1.3% | 1.9% | 1.0% | - | 0.8% | 1.5% | 1.3% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.3x | - |
| Equity multiplier | 11.14 | 11.05 | 11.23 | 11.32 | 11.40 | 11.25 | 10.97 | 10.94 | 10.85 | 10.80 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 53.9x | - | 75.1x | 40.1x | 84.5x | - | 94.4x | 40.5x | 54.8x | - |
| P / B | 1.0x | - | 1.0x | 0.8x | 0.8x | - | 0.7x | 0.6x | 0.7x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 108.1% | - | 66.3% | 40.3% | -21.7% | - | -54.3% | 23.6% | -45.7% | - |
| Net income growth (YoY) | 107.4% | - | 66.3% | 30.7% | -22.2% | - | -57.6% | 27.1% | -44.2% | - |
| EPS growth (YoY) | 118.2% | - | 77.8% | 35.3% | -21.4% | - | -57.1% | 30.8% | -41.7% | - |
| EPS CAGR (3y) | 0.0% | - | -17.0% | -2.7% | -22.9% | - | -30.7% | -10.9% | -16.4% | - |
| EPS CAGR (5y) | 0.0% | - | 14.9% | 23.5% | 6.6% | - | -5.6% | 7.2% | 1.5% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | -64.2% | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 4.4% | 5.0% | 1.2% | 1.2% | 0.8% | -0.6% | 4.2% | 1.1% | 1.1% | 4.1% |
Peer comparison
Same SIC group: Savings Institution, Federally Chartered
Comparing Western New England Bancorp against the 5 most active filers in the same SIC group.
Dividends
$0.28/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 13, 2026 | $0.0700 |
| Feb 11, 2026 | $0.0700 |
| Nov 12, 2025 | $0.0700 |
| Aug 6, 2025 | $0.0700 |
| May 7, 2025 | $0.0700 |
| Feb 12, 2025 | $0.0700 |
| Nov 7, 2024 | $0.0700 |
| Aug 7, 2024 | $0.0700 |
| May 7, 2024 | $0.0700 |
| Feb 6, 2024 | $0.0700 |
| Nov 7, 2023 | $0.0700 |
| Aug 8, 2023 | $0.0700 |
| May 9, 2023 | $0.0700 |
| Feb 7, 2023 | $0.0700 |
| Nov 8, 2022 | $0.0600 |
| Aug 9, 2022 | $0.0600 |
| May 10, 2022 | $0.0600 |
| Feb 8, 2022 | $0.0600 |
| Nov 9, 2021 | $0.0500 |
| Aug 10, 2021 | $0.0500 |
| May 11, 2021 | $0.0500 |
| Feb 9, 2021 | $0.0500 |
| Nov 9, 2020 | $0.0500 |
| Aug 11, 2020 | $0.0500 |