8-K Announcements
6Material company update
May 14, 2026·SEC
Material company update
May 14, 2026·SEC
Material company update
Apr 28, 2026·SEC
Western New England Bancorp, Inc.(WNEB)Earnings, Financials & Key Ratios
WNEB•NASDAQ•Banking & Credit
$14.41
19.2× P/E·Price updated Jul 6, 2026
AboutWestern 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 more
- Net Interest Income$70M+17.2%
- Total Revenue$130M+5.8%
- Net Income$15M+30.9%
- Return on Equity6.32%+28.1%
- Net Interest Margin2.56%+13.6%
- Efficiency Ratio47.12%-1.0%
- ROA0.57%+26.7%
- Equity / Assets9.05%+1.8%
- Book Value per Share12.26+9.2%
WNEB Price & Volume
Western New England Bancorp, Inc. (WNEB) stock price & volume — 10-year historical chart
Loading chart...
Stagnant Margins Offset Asset Growth Expansion Strategy
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE concentration and liquidity
Key Thesis Takeaways
- Western New England Bancorp has successfully grown its total assets to $2.8 billion as of 2026Q1, yet this expansion is primarily concentrated in a $2.6 billion securities portfolio that fails to drive meaningful profitability.
- While net interest income has recovered to $18.8 million, the persistent 0.7% net interest margin suggests a structural duration mismatch that limits earnings upside.
- Investors should monitor whether the bank can improve its 1.9% return on equity while managing the volatility inherent in its credit loss provisioning.
Verdict Logic
while the bank maintains a healthy 0.09 equity-to-assets ratio, the 19.31 TTM P/E ratio appears high given the persistent 0.7% net interest margin and limited profitability growth.
WNEB Growth Metrics
Western New England Bancorp, Inc. (WNEB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.32%
5 Years7.1%
3 Years9.36%
TTM-
Profit CAGR
10 Years10.33%
5 Years6.37%
3 Years-16.14%
TTM61.18%
EPS CAGR
10 Years8.56%
5 Years10.76%
3 Years-14.02%
TTM67.61%
Return on Capital
10 Years5.69%
5 Years7.49%
3 Years4.89%
Last Year5.17%
WNEB Recent Earnings
Western New England Bancorp, Inc. (WNEB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (67%)●Beat Revenue 9/12 qtrs (100%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.24+14.3%
$0.21
Rev
$22M+1.4%
$22M
Q2 2026
Mar 10, 2026Metric
Actual
Est
EPS
$0.26
—
Rev
$34M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.26+23.8%
$0.21
Rev
$22M+17.3%
$19M
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$0.16-15.8%
$0.19
Rev
$21M+16.7%
$18M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.24vs $0.21+14.3% | $22Mvs $22M+1.4% |
| Q2 2026 | Mar 10, 2026 | $0.26 | $34M |
| Q1 2026 | Jan 27, 2026 | $0.26vs $0.21+23.8% | $22Mvs $19M+17.3% |
| Q4 2025 | Oct 28, 2025 | $0.16vs $0.19-15.8% | $21Mvs $18M+16.7% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Western New England Bancorp, Inc. (WNEB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $14.41 | $290M | 19.21 | 5.77% | 11.76% | 6.32% | 1.96% | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $44.31 | $285.65M | 11.75 | 6.6% | 20.89% | 12.7% | — | |
| $27.68 | $382.93M | 8.52 | -1.55% | 28.51% | 12.62% | — | |
| $80.79 | $262.92M | 9.75 | 11.78% | 14.94% | 11.03% | — | |
| $72.82 | $1.32B | 13.41 | 8.86% | 24.85% | 12.27% | — |
Compare WNEB vs Peers
Western New England Bancorp, Inc. (WNEB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
WNEB SEC Filings & Documents
Western New England Bancorp, Inc. (WNEB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when WNEB posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
WNEB Frequently Asked Questions
Western New England Bancorp, Inc. (WNEB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Western New England Bancorp, Inc. growing?
Western New England Bancorp, Inc. (WNEB) grew revenue by 5.8% over the past year. This is steady growth.
Is WNEB profitable?
Yes, Western New England Bancorp, Inc. (WNEB) is profitable, generating $17.7M in net income for fiscal year 2025 (11.8% net margin).
Dividend & Returns
Does WNEB pay dividends?
Yes, Western New England Bancorp, Inc. (WNEB) pays a dividend with a yield of 1.96%. This makes it attractive for income-focused investors.
What is WNEB's return on equity?
Western New England Bancorp, Inc. (WNEB) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Western New England Bancorp, Inc.'s net interest margin?
Western New England Bancorp, Inc. (WNEB) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
What is Western New England Bancorp, Inc.'s efficiency ratio?
Western New England Bancorp, Inc. (WNEB) has an efficiency ratio of 47.1%. This is excellent, indicating strong cost control.