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Stocks · Financials · Savings Institution, Federally Chartered

Western New England Bancorp, Inc.

WNEB Clue Score60
United States Fiscal year ends December CIK 0001157647
$13.51 -1.39% Close, 9 Oct 2026
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Price $13.51 +51.97% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue0.0Net income4.8EPS, diluted0.24Fiscal year 2017Revenue0.1 +404.0%Net income12.3 +154.9%EPS, diluted0.41Fiscal year 2018Revenue0.1 +41.3%Net income16.4 +33.2%EPS, diluted0.57Fiscal year 2019Revenue0.1 −24.7%Net income13.3 −18.6%EPS, diluted0.51Fiscal year 2020Revenue0.0 −34.3%Net income11.2 −16.0%EPS, diluted0.45Fiscal year 2021Net income23.7 +111.3%EPS, diluted1.02Fiscal year 2022Net income25.9 +9.2%EPS, diluted1.18Fiscal year 2023Net income15.1 −41.8%EPS, diluted0.70Fiscal year 2024Net income11.7 −22.6%EPS, diluted0.56Fiscal year 2025Net income15.3 +30.9%EPS, diluted0.75
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.0 0.1 0.1 0.1 0.0 n/a n/a n/a n/a n/a
Growth +404.0% +41.3% −24.7% −34.3%
Net income 4.8 12.3 16.4 13.3 11.2 23.7 25.9 15.1 11.7 15.3
Growth +154.9% +33.2% −18.6% −16.0% +111.3% +9.2% −41.8% −22.6% +30.9%
EPS, diluted 0.24 0.41 0.57 0.51 0.45 1.02 1.18 0.70 0.56 0.75

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin38,672.0%Free cash flow margin−4,456.0%Fiscal year 2017Net margin19,555.6%Free cash flow margin26,427.0%Fiscal year 2018Net margin18,436.0%Free cash flow margin23,944.9%Fiscal year 2019Net margin19,923.9%Free cash flow margin21,035.8%Fiscal year 2020Net margin25,488.6%Free cash flow margin48,831.8%Fiscal year 2021Fiscal year 2022Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 38,672.0% 19,555.6% 18,436.0% 19,923.9% 25,488.6% n/a n/a n/a n/a n/a
Free cash flow margin −4,456.0% 26,427.0% 23,944.9% 21,035.8% 48,831.8% n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.9Capital expenditure−1.5Free cash flow−0.6Buybacks−1.4Dividends paid−2.4Fiscal year 2017Operating cash flow18.9Capital expenditure−2.2Free cash flow16.6Buybacks−9.3Dividends paid−3.6Fiscal year 2018Operating cash flow24.6Capital expenditure−3.3Free cash flow21.3 +28.0%Buybacks−22.9Dividends paid−4.6Fiscal year 2019Operating cash flow15.4Capital expenditure−1.3Free cash flow14.1 −33.9%Buybacks−19.5Dividends paid−5.3Fiscal year 2020Operating cash flow25.1Capital expenditure−3.6Free cash flow21.5 +52.4%Buybacks−10.5Dividends paid−5.0Fiscal year 2021Operating cash flow28.8Capital expenditure−3.5Free cash flow25.3 +17.9%Buybacks−23.3Dividends paid−4.7Fiscal year 2022Operating cash flow36.8Capital expenditure−1.1Free cash flow35.6 +40.6%Buybacks−6.4Dividends paid−5.3Fiscal year 2023Operating cash flow14.8Capital expenditure−2.9Free cash flow11.9 −66.7%Buybacks−5.0Dividends paid−6.1Fiscal year 2024Operating cash flow12.2Capital expenditure−1.2Free cash flow11.0 −7.6%Buybacks−7.6Dividends paid−5.9Fiscal year 2025Operating cash flow18.2Capital expenditure−1.1Free cash flow17.1 +56.2%Buybacks−6.1Dividends paid−5.7
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.9 18.9 24.6 15.4 25.1 28.8 36.8 14.8 12.2 18.2
Capital expenditure −1.5 −2.2 −3.3 −1.3 −3.6 −3.5 −1.1 −2.9 −1.2 −1.1
Free cash flow −0.6 16.6 21.3 14.1 21.5 25.3 35.6 11.9 11.0 17.1
Growth +28.0% −33.9% +52.4% +17.9% +40.6% −66.7% −7.6% +56.2%
Buybacks −1.4 −9.3 −22.9 −19.5 −10.5 −23.3 −6.4 −5.0 −7.6 −6.1
Dividends paid −2.4 −3.6 −4.6 −5.3 −5.0 −4.7 −5.3 −6.1 −5.9 −5.7

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Total debt124.8Shareholders’ equity238.4Debt to equity0.52Fiscal year 2017Total debt164.8Shareholders’ equity247.3Debt to equity0.67Fiscal year 2018Total debt208.0Shareholders’ equity237.0Debt to equity0.88Fiscal year 2019Cash24.7Total debt205.5Net cash (debt)−180.8Shareholders’ equity232.0Debt to equity0.89Fiscal year 2020Cash87.4Total debt57.9Net cash (debt)29.6Shareholders’ equity226.6Debt to equity0.26Fiscal year 2021Cash103.5Shareholders’ equity223.7Fiscal year 2022Cash30.3Shareholders’ equity228.1Fiscal year 2023Cash28.8Shareholders’ equity237.4Fiscal year 2024Cash66.5Shareholders’ equity235.9Fiscal year 2025Cash40.4Shareholders’ equity247.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash n/a n/a n/a 24.7 87.4 103.5 30.3 28.8 66.5 40.4
Total debt 124.8 164.8 208.0 205.5 57.9 n/a n/a n/a n/a n/a
Net cash (debt) n/a n/a n/a −180.8 29.6 n/a n/a n/a n/a n/a
Shareholders’ equity 238.4 247.3 237.0 232.0 226.6 223.7 228.1 237.4 235.9 247.6
Debt to equity 0.52 0.67 0.88 0.89 0.26 n/a n/a n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
59,224.0% 34,520.6% 23,716.9% 25,673.1% 32,172.7% n/a n/a n/a n/a n/a
38,672.0% 19,555.6% 18,436.0% 19,923.9% 25,488.6% n/a n/a n/a n/a n/a
−4,456.0% 26,427.0% 23,944.9% 21,035.8% 48,831.8% n/a n/a n/a n/a n/a
Spending
11,896.0% 3,511.1% 3,738.2% 1,917.9% 8,138.6% n/a n/a n/a n/a n/a
34.7% 43.4% 22.3% 22.4% 20.8% 25.3% 25.2% 23.1% 22.0% 22.8%
Returns
2.0% 5.0% 6.9% 5.8% 4.9% 10.6% 11.3% 6.3% 4.9% 6.2%
0.2% 0.6% 0.8% 0.6% 0.5% 0.9% 1.0% 0.6% 0.4% 0.6%
Balance and payout
0.52 0.67 0.88 0.89 0.26 n/a n/a n/a n/a n/a
88.5% 88.1% 88.8% 89.4% 90.4% 91.2% 91.1% 90.7% 91.1% 91.0%
50.5% 29.1% 28.3% 39.5% 44.9% 19.7% 20.4% 40.3% 50.7% 37.4%
n/a 77.4% 129.3% 175.5% 72.4% 110.3% 32.6% 93.4% 123.1% 68.9%