WNEB

MKT CAP:$281M

Western New England Bancorp, Inc.

Market Cap

$281M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$13.74+$1.39 (+11.26%)

Apr 23, 2026

Company Details

Western 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, i...

CEO

James C. Hagan

IPO Date

May 2, 2002

Website

www.westfieldbank.com

Key Metrics TTM

Revenue

$130M

+5.3% YoY

Net Income

$15M

EPS (Diluted)

$0.76

Free Cash Flow

$18M

Revenue / Share

$6.43

Gross Margin

62.0%

Operating Margin

14.9%

Net Margin

11.8%

FCF Margin

13.6%

P/S

2.2x

P/E

18.4x

Earnings Reports

Q1 2026

Apr 28, 2026

PENDING

FY 2025

Mar 10, 2026

$130M+5.8%EPS $0.75

Q4 2025

Mar 10, 2026

$34M+0.1%EPS $0.26

Q3 2025

Nov 7, 2025

$33M+7.4%EPS $0.16

Q2 2025

Aug 8, 2025

$32M+7.9%EPS $0.23

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$22M	$21M	$7M
Q2 22	$23M	$22M	$7M
Q3 22	$24M	$22M	$8M
Q4 22	$29M	$26M	$12M
Q1 23	$27M	$22M	$7M
Q2 23	$26M	$17M	$3M
Q3 23	$29M	$19M	$6M
Q4 23	$29M	$18M	$4M
Q1 24	$29M	$19M	$4M
Q2 24	$30M	$18M	$4M
Q3 24	$30M	$16M	$3M
Q4 24	$34M	$21M	$4M
Q1 25	$31M	$18M	$3M
Q2 25	$32M	$21M	$6M
Q3 25	$33M	$19M	$4M
Q4 25	$34M	$22M	$6M

Valuation

Quarter	P/S	P/E
Q1 22	2.2x	8.7x
Q2 22	1.8x	7.3x
Q3 22	2.0x	8.0x
Q4 22	2.1x	8.1x
Q1 23	1.7x	7.0x
Q2 23	1.2x	5.5x
Q3 23	1.2x	6.3x
Q4 23	1.7x	12.8x
Q1 24	1.4x	12.6x
Q2 24	1.2x	10.6x
Q3 24	1.5x	16.1x
Q4 24	1.5x	16.2x
Q1 25	1.5x	17.2x
Q2 25	1.5x	15.6x
Q3 25	1.9x	18.0x
Q4 25	2.0x	16.8x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$7M	$7M
Q2 22	$1M	$1M
Q3 22	$11M	$11M
Q4 22	$17M	$16M
Q1 23	-$6M	-$6M
Q2 23	$4M	$3M
Q3 23	$8M	$7M
Q4 23	$9M	$7M
Q1 24	$1M	$1M
Q2 24	$2M	$2M
Q3 24	$3M	$3M
Q4 24	$6M	$5M
Q1 25	-$1M	-$1M
Q2 25	$7M	$7M
Q3 25	$6M	$5M
Q4 25	$7M	$7M

Capital Expenditures

Quarter	CapEx
Q1 22	$118.0K
Q2 22	$252.0K
Q3 22	$214.0K
Q4 22	$559.0K
Q1 23	$0
Q2 23	$797.0K
Q3 23	$712.0K
Q4 23	$1M
Q1 24	$0
Q2 24	$311.0K
Q3 24	$70.0K
Q4 24	$815.0K
Q1 25	$0
Q2 25	$151.0K
Q3 25	$259.0K
Q4 25	$151.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	-3.2%	-0.9%
Q2 22	+6.0%	+11.6%
Q3 22	+3.4%	+7.1%
Q4 22	+22.9%	+8.5%
Q1 23	+19.4%	+28.6%
Q2 23	+10.6%	+40.2%
Q3 23	+18.9%	+42.1%
Q4 23	+0.8%	+53.2%
Q1 24	+10.0%	+29.8%
Q2 24	+15.9%	+14.7%
Q3 24	+4.8%	+18.7%
Q4 24	+14.2%	+13.4%
Q1 25	+6.5%	+10.7%
Q2 25	+7.9%	+2.4%
Q3 25	+7.4%	+2.0%
Q4 25	+0.1%	-5.9%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$480.0K	2.2%
Q2 22	$464.0K	2.0%
Q3 22	$373.0K	1.5%
Q4 22	$440.0K	1.5%
Q1 23	$709.0K	2.7%
Q2 23	$450.0K	1.7%
Q3 23	$418.0K	1.4%
Q4 23	$402.0K	1.4%
Q1 24	$657.0K	2.2%
Q2 24	$449.0K	1.5%
Q3 24	$453.0K	1.5%
Q4 24	$482.0K	1.4%
Q1 25	$300.0K	1.0%
Q2 25	$471.0K	1.5%
Q3 25	$461.0K	1.4%
Q4 25	$796.0K	2.4%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$9M	$399.0K
Q2 22	$8M	$412.0K
Q3 22	$8M	$419.0K
Q4 22	$6M	$178.0K
Q1 23	$9M	$417.0K
Q2 23	$8M	$339.0K
Q3 23	$8M	$362.0K
Q4 23	$8M	$377.0K
Q1 24	$9M	$349.0K
Q2 24	$8M	$339.0K
Q3 24	$8M	$271.0K
Q4 24	$9M	$310.0K
Q1 25	$9M	$429.0K
Q2 25	$623.0K	$443.0K
Q3 25	$10M	$433.0K
Q4 25	$9M	$349.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$60M	$174M	$234M
Q2 22	$46M	$161M	$207M
Q3 22	$25M	$149M	$174M
Q4 22	$29M	$147M	$176M
Q1 23	$23M	$146M	$169M
Q2 23	$30M	$141M	$171M
Q3 23	$53M	$131M	$184M
Q4 23	$26M	$137M	$163M
Q1 24	$22M	$138M	$160M
Q2 24	$52M	$135M	$187M
Q3 24	$60M	$156M	$216M
Q4 24	$57M	$161M	$218M
Q1 25	$106M	$5M	$111M
Q2 25	$87M	$5M	$92M
Q3 25	$76M	$5M	$81M
Q4 25	$40M	$176M	$216M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	22M	-0.1%	-9.7%
Q2 22	22M	-0.7%	-7.4%
Q3 22	22M	-1.0%	-4.0%
Q4 22	22M	-0.3%	-2.0%
Q1 23	22M	-0.2%	-2.1%
Q2 23	22M	-0.3%	-1.7%
Q3 23	22M	+0.1%	-0.6%
Q4 23	21M	-1.3%	-1.6%
Q1 24	21M	-0.6%	-2.1%
Q2 24	21M	-0.5%	-2.2%
Q3 24	21M	-1.1%	-3.4%
Q4 24	21M	-1.1%	-3.3%
Q1 25	21M	-0.9%	-3.6%
Q2 25	20M	-1.0%	-4.0%
Q3 25	20M	-0.4%	-3.3%
Q4 25	20M	-0.2%	-2.4%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$62.8K	355
Q2 22	$65.9K	355
Q3 22	$68.6K	355
Q4 22	$86.8K	337
Q1 23	$79.0K	337
Q2 23	$76.8K	337
Q3 23	$85.9K	337
Q4 23	$84.7K	348
Q1 24	$84.1K	348
Q2 24	$86.2K	348
Q3 24	$87.2K	348
Q4 24	$100.5K	335
Q1 25	$93.1K	335
Q2 25	$96.6K	335
Q3 25	$97.2K	335
Q4 25	$100.6K	335

Revenue / Employee