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Western New England Bancorp, Inc.

WNEB

$13.74 ▼ -0.31 (-2.17%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Western New England Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $277.5M

Dividend Yield 2.04%

Revenue Growth 13.6% ↗

Op. Margin 24.0% ↗

ROIC None

FCF / Share None

Trailing P/E 18.1x

Price / Book 1.1x

FCF Yield —

Debt / Equity 0.05

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$82.61M

↑ +13.6% —

Net Income Profit after all expenses

$15.27M

↑ +30.9% —

Operating Margin Operating profit as % of sales

24.0%

↑ +16.5% 80th

Long-Term Debt Long-term obligations

$205.51M

↓ -1.2% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.28 Latest / share

+0.0% YoY

+2.6% 12-yr CAGR

$0.21

FY 2014

$0.12

FY 2015

$0.12

FY 2016

$0.12

FY 2017

$0.16

FY 2018

$0.20

FY 2019

$0.20

FY 2020

$0.20

FY 2021

$0.24

FY 2022

$0.28

FY 2023

$0.28

FY 2024

$0.28

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	13.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+127%)	-7.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-229%)	-14.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-348%)	8.0% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	16.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+173%)	8.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	-2.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-138%)	2.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	56.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+848%)	18.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+207%)	2.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-52%)	1.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-75%)	-3.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-165%)	6.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-6.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-210%)	2.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	—	—
EPS Growth YoY (%)	35.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-20.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-40.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.7% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	126.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	39.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	64.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-24.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	30.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	18.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-42.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	30.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-22.6% Weak ↓ Weak Declining Year-over-year change in net income	-41.8% Weak ↓ Weak Declining Year-over-year change in net income	9.2% Fair ↓ Fair Declining Year-over-year change in net income	111.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-16.0% Weak ↓ Weak Declining Year-over-year change in net income	-18.6% Weak ↓ Weak Declining Year-over-year change in net income	33.2% Excellent ↓ Excellent Declining Year-over-year change in net income	154.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-15.4% Weak ↓ Weak Declining Year-over-year change in net income	-7.3% Weak ↓ Weak Declining Year-over-year change in net income	-8.8% Weak ↓ Weak Declining Year-over-year change in net income	8.0% Fair ↓ Fair Declining Year-over-year change in net income	6.5% Fair ↓ Fair Declining Year-over-year change in net income	95.4% Excellent Excellent Year-over-year change in net income	-44.9% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-3.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-5.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	11.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	16.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	23.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	24.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	0.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	1.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.6% Weak Weak Compound annual revenue growth over 3 years	0.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	14.6% Excellent → Excellent Stable Compound annual revenue growth over 5 years	15.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	4.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-0.1% Weak Weak Compound annual revenue growth over 5 years	-0.1% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-13.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-18.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	15.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	32.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	3.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	26.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	20.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-9.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	15.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	45.7% Excellent Excellent Compound annual EPS growth over 3 years	11.0% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	24.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	24.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	37.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	37.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	19.2% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	18.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	16.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	19.1% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	28.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	27.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	15.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	19.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	23.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	18.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	11.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	15.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	17.3% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	19.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	17.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	17.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	8.2% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	15.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	6.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	11.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	5.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	6.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	5.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	4.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	1.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	2.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.05x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.07x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.18x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	—	—	1.04x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-14%)	1.13x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-6%)	0.67x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	1.25x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	2.02x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+68%)	2.29x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+91%)	1.92x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+60%)	1.84x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+54%)	1.37x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+14%)	1.36x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+13%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$4.09	$3.48	$3.66	$4.23	$3.69	$2.94	$2.58	$2.40	$2.27	$2.20	$2.09	$1.95	$1.74	$1.49	$1.30	$1.33	$1.22	—
Basic EPS, GAAP (USD)	$0.76	$0.56	$0.70	$1.18	$1.02	$0.45	$0.51	$0.57	$0.41	$0.25	$0.33	$0.34	$0.34	$0.26	$0.22	$0.11	$0.19	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.28	$0.28	$0.28	$0.24	$0.20	$0.20	$0.20	$0.16	$0.12	$0.12	$0.12	$0.21	$0.29	$0.44	$0.54	$0.52	$0.50	—
Book Value per Share (USD)	$12.16	$11.30	$10.96	$10.27	$9.87	$8.97	$8.74	$8.35	$8.11	$7.85	$7.63	$7.61	$7.65	$8.28	$8.14	$7.85	$8.44	—
Tangible Book Value per Share (USD)	$11.54	$10.70	$10.38	$9.71	$9.32	$8.47	$8.27	$7.91	$7.70	$7.39	$7.63	$7.61	$7.65	$8.28	$8.14	$7.85	$8.44	—
Basic Weighted Avg Shares (shares)	20.19M	20.90M	21.54M	21.88M	23.22M	25.05M	26.19M	28.89M	29.86M	19.71M	17.50M	18.18M	20.08M	24.50M	26.48M	27.60M	29.31M	—
Dividend Payout Ratio (%)	36.8% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	50.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	28.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	29.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	36.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	61.8% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	85.3% Caution ↓ Caution Declining Dividends paid as a percentage of earnings Optimal: 30-60%	169.2% Weak ↓ Weak Declining Dividends paid as a percentage of earnings Optimal: 30-60%	245.5% Weak ↓ Weak Declining Dividends paid as a percentage of earnings Optimal: 30-60%	472.7% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	263.2% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	$205.51M	$208.02M	$164.79M	$124.84M	$153.36M	$232.48M	$248.38M	$278.86M	$247.32M	$238.15M	—	—
Total Equity (USD)	$247.64M	$235.91M	$237.41M	$228.14M	$223.69M	$226.64M	$232.02M	$237.03M	$247.28M	$238.40M	$139.47M	$142.54M	$154.14M	$189.19M	$218.99M	$221.25M	$247.30M	$259.92M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$82.61M	$72.72M	$78.81M	$92.56M	$85.74M	$73.68M	$67.68M	$69.25M	$67.89M	$43.28M	$36.55M	$35.53M	$35.01M	$36.43M	$34.34M	$36.77M	$35.73M	—
Net Income, GAAP (USD)	$15.27M	$11.67M	$15.07M	$25.89M	$23.70M	$11.21M	$13.35M	$16.41M	$12.32M	$4.83M	$5.71M	$6.16M	$6.76M	$6.25M	$5.87M	$3.01M	$5.46M	—
Operating Cash Flow (USD)	$18.21M	$12.17M	$14.77M	$36.77M	$27.54M	$25.07M	$15.38M	$24.64M	$18.86M	$930.00K	—	—	$14.20M	$11.31M	$14.79M	$18.36M	$10.44M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.6%	2.3%	2.6%	3.1%	2.9%	2.7%	2.7%	2.8%	2.9%	1.8%	2.4%	2.4%	2.4%	2.3%	2.4%	2.4%	—	—
Efficiency Ratio (%) (%)	75.6%	80.3%	74.0%	61.8%	64.1%	70.2%	70.6%	66.8%	66.0%	81.6%	75.1%	72.9%	76.1%	74.7%	75.6%	67.5%	70.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

Western New England Bancorp, Inc.

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