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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $2.10M | $2.20M | $2.20M | $2.30M | $2.30M | $2.10M |
| Operating Income | $19.79M | $14.96M | $19.58M | $34.63M | $14.16M | $14.16M |
| Interest Expense | - | - | $33.21M | $6.70M | $6.67M | $18.45M |
| Income Tax | $4.52M | $3.29M | $4.52M | $8.74M | $8.03M | $2.94M |
| Net Income | $15.27M | $11.67M | $15.07M | $25.89M | $23.70M | $11.21M |
| EPS - Basic | $0.76 | $0.56 | $0.70 | $1.18 | $1.02 | $0.45 |
| EPS - Diluted | $0.75 | $0.56 | $0.70 | $1.18 | $1.02 | $0.45 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $40.38M | $66.45M | $28.84M | $30.34M | - | - |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.74B | $2.65B | $2.56B | $2.55B | $2.54B | $2.37B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | $57.85M |
| Total Liabilities | $2.49B | $2.42B | $2.33B | $2.33B | $2.31B | $2.14B |
| Stockholders' Equity | $247.64M | $235.91M | $237.41M | $228.14M | $223.69M | $226.64M |
| Retained Earnings | $152.30M | $142.75M | $136.99M | $127.98M | $107.38M | $88.35M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $18.21M | $12.17M | $14.77M | $36.09M | $27.54M | $25.07M |
| Investing Cash Flow | ($113.61M) | ($46.59M) | ($13.71M) | ($111.19M) | ($161.66M) | ($123.56M) |
| Financing Cash Flow | $69.33M | $72.03M | ($2.57M) | $1.99M | $150.13M | $161.19M |
| CapEx | $1.07M | $1.20M | $2.90M | $1.14M | $3.46M | $3.58M |
| Free Cash Flow | $17.14M | $10.97M | $11.87M | $34.95M | $24.09M | $21.49M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.12 | 0.94 | 0.79 | 1.35 | 1.02 | 1.92 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 22.8% | 22.0% | 23.1% | 25.2% | 25.3% | 20.8% |
| Return on assets | 0.6% | 0.4% | 0.6% | 1.0% | 0.9% | 0.5% |
| Return on equity | 6.2% | 4.9% | 6.3% | 11.3% | 10.6% | 4.9% |
| Return on invested capital | - | - | - | - | - | 3.9% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | 0.26 |
| Debt / Assets | - | - | - | - | - | 0.02 |
| Debt / EBITDA | - | - | - | - | - | 3.56 |
| Interest coverage | - | - | 0.6x | 5.2x | 2.1x | 0.8x |
| Equity multiplier | 11.05 | 11.25 | 10.80 | 11.19 | 11.35 | 10.44 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.90 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 16.8x | 16.4x | 12.9x | 8.0x | 8.6x | 15.3x |
| P / B | 1.0x | 0.8x | 0.8x | 0.9x | 0.9x | 0.8x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 9.9x | 7.4x | 7.6x | 4.8x | 12.4x | 14.2x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 32.3% | -23.6% | -43.4% | 144.6% | 0.0% | -17.7% |
| Net income growth (YoY) | 30.9% | -22.6% | -41.8% | 9.2% | 111.3% | -16.0% |
| EPS growth (YoY) | 33.9% | -20.0% | -40.7% | 15.7% | 126.7% | -11.8% |
| EPS CAGR (3y) | -14.0% | -18.1% | 15.9% | 32.3% | 21.4% | 3.2% |
| EPS CAGR (5y) | 10.8% | 1.9% | 4.2% | 23.5% | 33.6% | 6.4% |
| FCF growth (YoY) | 56.2% | -7.6% | -66.0% | 45.1% | 12.1% | 52.4% |
| FCF CAGR (5y) | -4.4% | -4.9% | -11.0% | - | - | 19.4% |
| Book value growth (YoY) | 5.0% | -0.6% | 4.1% | 2.0% | -1.3% | -2.3% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |