Western New England Bancorp, Inc.

WNEB

Western New England Bancorp, Inc.

WNEB

Insider Sentiment (TTM):

Last Purchase:2024-06-07Last Sale:2026-05-20Shares Purchased (TTM):0Shares Sold (TTM):10,280

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:11,958,193Shares Outstanding:19,996,682Institutional Ownership Pct.:59.80%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	23	22	20	26	30	27	19	29	23	19	21	22
Federal Funds Sold	5	4	2	7	6	5	9	13	2	1	3	9
Interest Bearing Deposits In Banks	10	30	18	50	57	78	38	32	28	3	5	31
Cash Cash Equivalents And Federal Funds Sold	38	56	40	83	93	111	66	73	53	23	29	62
Available For Sale Securities Debt Securities	171	173	176	179	179	168	161	156	135	138	137	131
Held To Maturity Securities	182	185	189	193	198	202	205	213	218	221	223	225
Equity Securities Fv Ni	1	1	1	0	0	0	0	0	0	0	0	-
Investments	353	359	365	373	377	370	366	369	353	-	361	-
Restricted Investments	4	6	5	6	6	6	6	7	7	3	4	3
Financing Receivable Excluding Accrued Interest Be…	-	2,201	2,184	2,131	2,093	2,080	2,070	2,049	2,026	-	2,027	-
Financing Receivable Allowance For Credit Loss Exc…	-	-20	-20	-21	-20	-20	-20	-20	-19	-20	-20	-20
Financing Receivable Excluding Accrued Interest Af…	-	2,181	2,163	2,111	2,073	2,060	2,051	2,029	2,007	2,006	2,007	1,995
Property Plant And Equipment Net	24	24	23	23	23	24	24	24	25	25	26	25
Interest Receivable	9	9	9	9	9	9	8	9	9	9	9	8
Bank Owned Life Insurance	78	78	79	79	78	78	77	77	76	76	75	75
Deferred Income Tax Assets Net	13	13	13	12	13	13	14	12	14	14	14	16
Goodwill	12	12	12	12	12	12	12	12	12	12	12	12
Finite Lived Intangible Assets Net	1	1	1	1	1	1	1	2	2	2	2	2
Other Assets	27	26	25	27	25	26	26	26	28	28	27	31
Assets	2,732	2,765	2,736	2,736	2,711	2,709	2,653	2,640	2,586	2,557	2,565	2,585
Liabilities
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities	601	598	595	590	595	590	566	569	553	560	580	594
Interest Bearing Deposit Liabilities	1,801	1,784	1,766	1,760	1,735	1,739	1,697	1,656	1,618	1,584	1,564	1,583
Deposits	2,401	2,382	2,361	2,350	2,330	2,329	2,263	2,224	2,172	2,144	2,144	2,176
Debt Longterm And Shortte…
Short Term Borrowings	18	24	13	3	4	5	5	4	7	11	16	9
Other Long Term Debt	25	73	73	98	98	98	98	128	128	121	121	121
Subordinated Debt	20	20	20	20	20	20	20	20	20	20	20	20
Other Payables To Broker Dealers And Clearing Orga…	-	-	-	-	-	-	-	-	-	-	-	2
Debt Longterm And Shortterm Combined Amount	63	117	106	121	122	122	123	152	155	-	156	-
Shares Subject To Mandatory Redemption Settlement …	-	-	0	-	-	2	9	-	-	-	-	-
Other Liabilities	20	18	22	21	20	19	23	23	23	26	27	26
Liabilities	2,484	2,516	2,489	2,492	2,472	2,472	2,417	2,400	2,350	2,321	2,327	2,354
Stockholders Equity
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	110	113	115	116	116	118	119	121	123	125	125	127
Unearned E S O P Shares	-1	-1	-1	-2	-2	-2	-2	-2	-2	-2	-2	-3
Deferred Compensation Equity	-2	-2	-1	-2	-2	-2	-1	-2	-2	-2	-1	-1
Retained Earnings Accumulated Deficit	158	156	152	149	147	144	143	141	140	138	137	136
Accumulated Other Comprehensive Income Loss Net Of…	-17	-17	-17	-18	-20	-21	-23	-18	-24	-24	-22	-29
Stockholders Equity	248	248	248	244	239	238	236	241	236	236	237	231
Liabilities And Stockholders Equity	2,732	2,765	2,736	2,736	2,711	2,709	2,653	2,640	2,586	2,557	2,565	2,585
Available For Sale Debt Securities Amortized Cost …	193	196	198	-	-	-	192	-	-	-	-	-
Held To Maturity Securities Fair Value	151	155	159	162	162	166	166	183	177	182	188	177
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	5	5	5	5	5	5	5	5	5	5	5	5
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	75	75	75	75	75	75	75	75	75	75	75	75
Common Stock Shares Issued	20	20	20	20	20	21	21	21	21	22	22	22
Shares Outstanding	20	20	20	20	20	21	21	21	21	22	22	22

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-4.51%	4.19%	2.54%	-	-	-	-	-	-	-	-	-
2025	-1.77%	-4.27%	17.79%	13.28%	10.39%	3.16%	4.70%	9.66%	9.06%	3.48%	11.48%	5.62%
2024	3.87%	6.50%	30.96%	16.69%	13.27%	14.06%	6.83%	4.67%	1.59%	-10.03%	6.69%	6.02%
2023	-	-	-	-	-	-	5.13%	16.74%	19.84%	-8.14%	-22.75%	-17.68%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.71	-0.69	-0.72	-0.74	-0.75	-0.76	-0.33	0.13	0.74	1.42	1.59	2.12
Per Share Metrics
Diluted EPS TTM	0.84	0.88	0.75	0.66	0.59	0.54	0.56	0.52	0.64	0.60	0.70	1.00
Free Cash Flow Per Share TTM	0.85	0.88	0.83	0.78	0.66	0.43	0.53	0.63	0.83	0.90	0.55	0.96
Dividend Per Share TTM	0.28	0.28	0.28	0.29	0.29	0.29	0.28	0.29	0.29	0.29	0.28	0.27
Margin Metrics
Gross Profit Margin TTM	61.72%	60.92%	59.09%	57.03%	55.19%	53.74%	54.46%	51.46%	53.96%	57.28%	62.08%	74.12%
Operating Profit Margin TTM	17.91%	19.09%	16.68%	15.03%	13.86%	12.66%	13.62%	13.16%	16.23%	15.75%	19.37%	28.92%
Net Profit Margin TTM	13.77%	14.73%	12.87%	11.44%	10.56%	9.86%	10.62%	10.08%	12.70%	12.23%	14.90%	22.05%
Growth Metrics
Net Revenue Growth (1Y)	6.25%	7.88%	8.00%	8.01%	7.92%	7.28%	8.62%	10.30%	13.11%	16.14%	17.68%	19.04%
Net Income Growth (1Y)	38.61%	61.18%	30.88%	22.58%	-10.32%	-13.49%	-22.58%	-49.57%	-41.67%	-50.82%	-41.79%	-6.42%
EPS Growth (1Y)	41.62%	64.32%	35.45%	26.81%	-6.56%	-10.12%	-20.22%	-47.73%	-40.06%	-49.61%	-40.86%	-5.57%
Valuation Metrics
P/E TTM	16.80	14.42	16.44	17.72	15.02	16.63	15.80	15.45	10.13	11.90	11.89	5.94
P/B TTM	1.13	1.03	1.01	0.97	0.76	0.77	0.78	0.70	0.58	0.64	0.75	0.55
P/S TTM	2.31	2.12	2.12	2.03	1.59	1.64	1.68	1.56	1.29	1.46	1.77	1.31
Market Cap	281.46M	255.92M	251.00M	236.47M	181.49M	183.08M	184.35M	168.22M	136.54M	151.48M	179.19M	128.15M
Enterprise Value	261.54M	223.60M	223.89M	156.51M	92.22M	77.02M	123.29M	99.81M	89.66M	140.33M	166.45M	74.78M
Calculated Values
Free Cash Flow TTM	16.85M	17.52M	16.80M	15.64M	13.27M	8.69M	10.97M	13.20M	17.54M	19.02M	11.87M	20.75M
Net Debt	-19.93M	-32.33M	-27.11M	-79.96M	-89.27M	-106.06M	-61.06M	-68.41M	-46.89M	-11.14M	-12.74M	-53.38M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-20Sale

Owner: Libiszewski, Darlene M

Title: SVP, Chief Information Officer

Shares: 3,680

Price/Share: $13.42

Value: $49,385.60

Shares Owned: 14,048

Relationship: Officer

Ownership: Direct

2026-02-27Sale

Owner: Smith, Philip R

Title: -

Shares: 3,000

Price/Share: $13.17

Value: $39,510.00

Shares Owned: 7,497

Relationship: Director

Ownership: Direct

2025-09-03Sale

Owner: Libiszewski, Darlene M

Title: SVP, Chief Information Officer

Shares: 3,600

Price/Share: $12.39

Value: $44,604.00

Shares Owned: 16,044

Relationship: Officer

Ownership: Direct

2025-07-31Sale

Owner: Smith, Philip R

Title: -

Shares: 4,000

Price/Share: $10.79

Value: $43,160.00

Shares Owned: 10,497

Relationship: Director

Ownership: Direct

2024-11-22Sale

Owner: Libiszewski, Darlene M

Title: SVP, Chief Information Officer

Shares: 5,000

Price/Share: $9.18

Value: $45,900.00

Shares Owned: 16,020

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-20	Libiszewski, Darlene M	Officer	SVP, Chief Information Officer	Direct	Sale	3,680	13.42	$49,385.60	14,048	4
2026-02-27	Smith, Philip R	Director	-	Direct	Sale	3,000	13.17	$39,510.00	7,497	4
2025-09-03	Libiszewski, Darlene M	Officer	SVP, Chief Information Officer	Direct	Sale	3,600	12.39	$44,604.00	16,044	4
2025-07-31	Smith, Philip R	Director	-	Direct	Sale	4,000	10.79	$43,160.00	10,497	4
2024-11-22	Libiszewski, Darlene M	Officer	SVP, Chief Information Officer	Direct	Sale	5,000	9.18	$45,900.00	16,020	4
2024-08-19	Libiszewski, Darlene M	Officer	SVP, Chief Information Officer	Direct	Sale	4,501	8.50	$38,258.50	21,020	4
2024-06-07	Goncalves, Filipe B	Officer	SVP & CCO	Direct	Purchase	220	6.52	$1,434.40	304	4
2024-05-31	Sajdak, Guida R	Officer	EVP, CFO & Treasurer	Indirect	Purchase	1,495	6.72	$10,046.40	15,456	4
2024-05-28	Sajdak, Guida R	Officer	EVP, CFO & Treasurer	Indirect	Purchase	1,481	6.88	$10,189.28	13,961	4
2024-04-30	Goncalves, Filipe B	Officer	SVP & CCO	Direct	Purchase	500	6.03	$3,015.00	24,225	4
2024-02-14	Hagan, James C	Director,Officer	President and CEO	Indirect	Purchase	462	8.18	$3,777.77	12,230	4
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Institutional Ownership

No data available for chart

2026-03-31

59.80%

Inst. Shares: 11,958,193

Shares Outstanding: 19,996,682

2025-12-31

60.74%

Inst. Shares: 12,267,090

Shares Outstanding: 20,194,877

2025-09-30

61.89%

Inst. Shares: 12,445,462

Shares Outstanding: 20,110,492

2025-06-30

60.41%

Inst. Shares: 12,208,271

Shares Outstanding: 20,210,650

2025-03-31

55.65%

Inst. Shares: 11,343,776

Shares Outstanding: 20,385,481

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	11,958,193	19,996,682	59.80%
2025-12-31	12,267,090	20,194,877	60.74%
2025-09-30	12,445,462	20,110,492	61.89%
2025-06-30	12,208,271	20,210,650	60.41%
2025-03-31	11,343,776	20,385,481	55.65%
2024-12-31	11,376,894	20,899,573	54.44%
2024-09-30	11,279,803	20,804,162	54.22%
2024-06-30	10,839,228	21,056,173	51.48%
2024-03-31	10,220,287	21,180,968	48.25%
2023-12-31	10,111,633	21,535,888	46.95%
2023-09-30	10,010,009	21,560,940	46.43%
2023-06-30	10,118,353	21,634,683	46.77%
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Western New England Bancorp, Inc. (WNEB) — SEC Financial Statements & Analysis

Western New England Bancorp, Inc. (WNEB) is a savings institution, federally chartered company, incorporated in MA. Western New England Bancorp, Inc. trades on Nasdaq as: WNEB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Western New England Bancorp, Inc. reported a 6.25% year-over-year revenue growth, a Gross Profit Margin of 61.72% (TTM), a Price-to-Sales (P/S) ratio of 2.31x (TTM), a Price-to-Book (P/B) ratio of 1.13x (TTM), at a market cap of $281.46M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 6.25%
Gross Profit Margin TTM: 61.72%
P/S TTM: 2.31x
P/B TTM: 1.13x
Market Cap: $281.46M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Western New England Bancorp, Inc. in?

Western New England Bancorp, Inc. (WNEB) operates in the Savings Institution, Federally Chartered industry.

What is WNEB's market cap?

Western New England Bancorp, Inc. (WNEB) has a market capitalization of $281.46M as of 2026-06-30.

What is WNEB's P/E ratio?

Western New England Bancorp, Inc. (WNEB)'s trailing twelve month P/E ratio is 16.80x as of 2026-06-30.

What exchange does WNEB trade on?

Western New England Bancorp, Inc. (WNEB) trades on the Nasdaq.

Where is Western New England Bancorp, Inc. incorporated?

Western New England Bancorp, Inc. is incorporated in MA.