Stocktoria

Western New England Bancorp, Inc. WNEB

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 2001-12-28 · LEI

Western New England Bancorp, Inc. statistics & valuation

Market cap$271.1M
P / E17.8×
P / B1.1×
P / FCF15.8×
Graham number +1.9%$14.32

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($14.32); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
2.00% 5.00% 6.90% 5.80% 4.90% 10.60% 11.30% 6.30% 4.90% 6.20% 2016201720182019202020212022202320242025
Shares outstanding
30.4M 30.5M 29.0M 26.6M 25.3M 23.3M 22.2M 21.7M 21.0M 20.4M 2016201720182019202020212022202320242025
Net debt ($)
$124.8M $164.8M $208.0M $205.5M $57.9M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.20% 0.60% 0.80% 0.60% 0.50% 0.90% 1.00% 0.60% 0.40% 0.60% 2016201720182019202020212022202320242025
Free cash flow margin (%)
-2904.00% 26427.00% 23944.90% 21035.80% 48831.80% 2016201720182019202020212022202320242025
Debt / equity (×)
0.52× 0.67× 0.88× 0.89× 0.26× 2016201720182019202020212022202320242025
EPS ($)
$0.24 $0.41 $0.57 $0.51 $0.45 $1.02 $1.18 $0.70 $0.56 $0.75 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Western New England Bancorp, Inc. trades at about 18.7× earnings — above its 10-year norm (10-year range 8.3×–40.4×, median 16.8×).

8.3× 40.4×

Shaded band = 10-year range (8.3×–40.4×); dot = today's 18.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin25488.6%19923.9%18436.0%19555.6%38672.0%
FCF margin48831.8%21035.8%23944.9%26427.0%-2904.0%
Return on assets0.6%0.4%0.6%1.0%0.9%0.5%0.6%0.8%0.6%0.2%
Return on equity6.2%4.9%6.3%11.3%10.6%4.9%5.8%6.9%5.0%2.0%
Debt / equity0.26×0.89×0.88×0.67×0.52×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.