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Company Analysis

Western New England Bancorp, In WNEB

A comprehensive view of key metrics, scores, and financial health for Western New England Bancorp, In

Overview of Western New England Bancorp, Inc.

WNEB NMS
Financial Services Banks - Regional Micro Cap
Western New England Bancorp, Inc. (WNEB), is a Micro Cap company, in the Banks - Regional industry, last closed at $12.75, about 2.1% overvalued vs fair value, +40.9% 1Y return, ranked 450/1004 in sector.
$12.75
0.55%
As of March 13, 2026
Previous close • Vol 90d: 24.5%
52-Week Range
Market Cap
$255.70M
Enterprise Value
$301.59M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.westfieldbank.com
HQ Westfield, MA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$7
$12
$23
Current: $12.75 -2% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$109.8M
8.6%%
Interest Expense
$48.5M
Net Interest Income
$59.8M
-11.9%%
Total Revenue
$129.8M
78.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.9%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$13.5M
115.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Western New England Bancorp, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
39
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
28
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing WNEB's balance between Growth (56.1%), Profitability (22.3%), and Safety (21.6%). Growth 56% Safety 22% Profitability 22%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

50th percentile vs peers
50
Key Signals
Rev Growth YoY 78.5% 70p Asset Growth YoY 3.1% 45p Revenue CAGR 3Y 13.1% 30p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

20th percentile vs peers
20
Key Signals
Strengths
Risks
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Safety

19th percentile vs peers
19
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Western New England Bancorp, In.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$12.48
- - -
-2.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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