Western New England Bancorp, Inc.

NASDAQ
WNEB
Stock
Yield per half year: -3.51%
Dividend yield: 3.19%
Sector: Financials

Reporting Western New England Bancorp, Inc.

Capitalization

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Capitalization, bln $
0.1288 0.1592 0.307 0.3058 0.2459 0.1618 0.1917 0.1913 0.1645 0.142 0.1910 -7.73
Revenue, bln $
0.0436 0.0665 0.0692 0.0677 0.0737 0.0857 0.0919 0.1011 0.1098 0.1098 0.0924 8.30
Net profit, bln $
0.0048 0.0123 0.0164 0.0133 0.0112 0.0237 0.0259 0.0151 0.0117 0.0117 0.0175 0.88
EV, bln $
0.3862 0.5893 0.537 0.4662 0.1431 0.1229 0.2416 0.3175 0.2779 0.2779 0.2206 14.20
EBIT, bln $
0.0186 0.0187 0.0364 0.0401 0.0413 0.0326 0.0384 0.0346 0.0196 0.0196 0.0333 -13.85
EBITDA, bln $
0.0199 0.0202 0.0387 0.0425 0.0438 0.0351 0.0411 0.0373 0.0196 0.0196 0.0354 -14.86
OIBDA $
0.0196 0.0424 0.0528 0.0241 0.0347 5.30
Book value, bln $
0.2384 0.2473 0.237 0.232 0.2266 0.2237 0.2281 0.2374 0.2359 0.2359 0.2303 0.81
FCF, bln $
-0.000363 0.0166 0.0213 0.0141 0.0215 0.0241 0.0349 0.0119 0.0122 0.0122 0.0209 -10.71
Operating Cash Flow, bln $
0.0011 0.0189 0.0246 0.0154 0.0251 0.0275 0.0361 0.0148 0.0122 0.0122 0.0231 -13.44
Operating profit, bln $
0.0187 0.0364 0.0211 0.0413 0.0326 0.0384 0.0413 0.0196 0.1064 0.1064 0.0477 26.69
Operating expenses, bln $
0.0362 0.0448 0.067 0.075 0.0687 0.0022 0.0572 0.0044 0.0034 0.0034 0.0272 -45.18
CAPEX, bln $
0.0015 0.0022 0.0033 0.0013 0.0036 0.0035 0.0011 0.0029 0.0012 0.0012 0.0025 -19.73


Balance sheet

2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Average for 5 years CAGR 5
Cash, bln $
0.0702 0.0271 0.0255 0.0247 0.0874 0.1035 0.0303 0.0258 0.0188 0.0188 0.0532 -26.46
Short-Term Investments $
0.3001 0.2884 0.2537 0.2277 0.2019 0.1944 0.147 0.003 0.1607 0.1607 0.1414 -4.46
Long-Term Investments $
0.999 1.05 1.56 1.63 1.69 1.77 1.91 0.4285 0.3834 0.3607 0.9705 -27.25
Accounts Receivable $
0.0058 0.0059 0.0057 0.0053 0.0085 0.0078 0.0081 0.0085 0.0085 0.0085 0.0083 0.00
Total Current Assets $
1.74 1.75 1.82 0.2578 0.2978 0.3056 0.0368 0.0374 0.188 0.188 0.1731 -8.79
Net assets, bln $
0.0136 0.0209 0.0235 1.82 0.2578 0.2978 0.3056 0.025 0.1696 0.025 0.2112 -8.03
Assets, bln $
2.08 2.08 2.12 2.18 2.37 2.54 2.55 2.56 2.65 2.65 2.53 2.26
Short-Term Debt $
0.1724 0.1447 0.0593 0.035 0.00016 0.017 0.0414 0.0161 0.0054 0.0054 0.0160 102.14
Long-Term Debt $
0.1248 0.1648 0.208 0.2055 0.0579 0.0196 0.0197 0.1404 0.1178 0.1178 0.0711 15.26
Liabilities, bln $
1.84 1.84 1.88 1.95 0.0579 0.0223 2.33 2.33 2.42 2.42 1.43 110.97
Net debt, bln $
0.227 0.2823 0.2417 0.2158 -0.0296 -0.0812 0.0319 0.1306 0.0846 0.0846 0.0273 -223.37
Debt, bln $
0.2972 0.3094 0.2673 0.2405 0.0579 0.0223 0.0622 0.1565 0.1034 0.1034 0.0805 12.30
Interest Income $
0.0425 0.0486 0.074 0.079 0.0821 0.0829 0.0798 0.0859 0.0979 0.0857 3.58
Interest Expense, bln $
0.0113 0.0146 0.019 0.0241 0.0184 0.0067 0.0067 0.0332 0.05 0.05 0.0230 22.13
Net interest income, bln $
0.0317 0.0373 0.0594 0.079 0.0821 0.0829 0.0798 0.0859 0.0979 0.0979 0.0857 3.58
Goodwill $
0.0137 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.00
Amortization, bln $
0.0015 0.0023 0.0024 0.0025 0.0025 0.0027 0.0027 0.0026 0.0026 0.0026 0.0026 0.79
Cost of production, bln $
0.0258 0.0239 0.0257 0.0157 0.0134 0.01 0.0115 0.0121 0.0119 0.016 0.0123 9.86
Inventory $
0.000223 0.0011 0.000964 0.000298 0.000155 0.0301 0.0959 0.1112 0.0374 0.0374 0.0550 199.58


Share

2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
EPS 0.24 0.54 0.5652 0.5075 0.4475 1.02 1.18 0.6973 0.5551 0.5551 0.7800 4.40
Share price 10.23 10.55 9.46 6.47 8.34 9.46 9 9.2 9.08 9.08 9.02 1.71
Number of shares, mln 20 30 29.03 26.3 25.06 23.3 21.94 21.61 21.02 21.02 22.59 -3.45
FCF/share -0.0182 0.555 0.7341 0.5358 0.8573 1.03 1.59 0.5493 0.5791 0.5791 0.9211 -7.55


Efficiency

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
ROE, % 2.03 4.98 6.78 5.69 4.89 10.53 11.46 6.47 4.93 4.93 -47.34 7.66 0.16
ROA, % 0.2328 0.5914 0.781 0.6208 0.4933 0.9665 1.02 0.5889 0.4472 0.4472 10.67 0.7032 -1.94
ROIC, % 2.13 1.85 1.36 2.86 4.17 3.94 4.95 11.47 11.01 5.33 6.57 7.34 6.23
ROS, % 18.52 24.63 20.53 17.02 27.52 28.18 14.9 10.62 10.62 10.62 26.44 18.37 -17.34
ROCE, % 7.84 14.72 1.95 1.93 9.95 1.52 1.38 1.07 8.3 8.3 -61.28 4.44 -3.56
EBIT margin 26.46 21.48 36.84 37.7 19.37 17.83 17.83 33.41 26.64 -3.66
EBITDA margin 46.28 58.21 61.4 64.7 47.67 47.93 40.62 19.37 17.83 17.83 37.49 34.68 -17.85
Net margin 11.08 18.52 23.7 19.72 15.22 27.64 28.18 14.9 10.62 10.62 26.43 19.31 -6.94
Operational efficiency, % 54.7 60.16 26.46 21.48 36.84 44.98 19.37 96.88 96.88 96.88 31.91 58.99 21.33
FCF yield, % 7.96 6.87 -0.228 5.42 6.97 5.73 13.28 12.56 18.26 7.22 11.41 4.73


Coefficients

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
P/E
32.94 24.92 17.99 18.76 15.4 8.61 8.1 12.41 16.57 16.57 25.86 12.22 1.48
P/BV
0.6678 1.24 1.25 1.08 0.0748 0.0811 0.9193 0.7874 0.8196 0.8196 -12.42 0.5364 61.41
P/S
3.65 4.61 4.26 3.7 2.34 2.38 2.28 1.85 1.76 1.76 6.65 2.12 -5.54
P/FCF
18.44 14.35 17.45 7.53 7.96 5.48 4.07 11.96 11.67 11.67 19.35 8.23 7.95
E/P
0.0401 0.0536 0.0543 0.0693 0.1236 0.1353 0.0916 0.1061 0.0822 0.0822 0.05 0.1078 -7.83
EV/EBIT
27.1 10.11 3.88 6.98 16.21 16.65 14.19 14.19 20.36 11.58 29.61
EV/EBITDA
19.9 19.13 15.21 12.63 10.65 4.07 2.99 6.47 16.21 16.65 17.58 8.08 8.76
EV/S
8.86 8.2 7.1 2.67 1.3 2.63 3.14 2.53 2.53 2.53 6.87 2.43 14.24
EV/FCF
35.39 25.64 32.76 8.19 4.65 6.91 26.75 22.84 22.84 22.84 24.70 16.80 37.48
Debt/EBITDA
7.99 6.29 5.49 1.65 0.5423 1.67 7.99 8.06 5.28 5.28 1.93 4.71 57.64
Netdebt/Ebitda
7.29 5.66 10.98 -1.77 -2.36 0.8538 6.67 7.1 4.32 4.32 0.97 3.32 -212.85
Debt/Ratio
0.1485 0.1261 0.1103 0.043 0.0093 0.0244 0.061 0.039 0.039 0.039 0.40 0.0345 33.20
Debt/Equity
1.25 1.13 1.04 0.4488 0.1061 0.2726 0.659 0.4383 10.25 10.25 -1.48 2.35 149.46
Debt/Net Income
25.12 16.29 18.02 9.07 1 2.4 10.38 8.86 8.86 8.86 3.28 6.30 54.70
PEG
84.42 84.42 2.52 84.42 0.00
Beta
2.76 0.4054 0.0463 0.0463 0.34 1.07 -74.40
Altman Index
0.3284 0.3432 0.2695 -0.3691 -0.011 0.6669 0.6426 0.2472 0.3099 0.3099 42.85 0.3711 -294.97


Dividends

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
Div. payout, bln
0.0021 0.0024 0.0046 0.0053 0.005 0.0047 0.0053 0.0061 0.0059 0.0041 0.0054 3.37
Dividend
0.12 0.16 0.2 0.2 0.1 0.25 0.28 0.28 0.07 0.28 0.1960 -6.89
Dividend yield, %
1.13 1.61 2.04 2.91 1.11 2.5 3.36 2.97 3.03 3.19 1.81 2.59 22.24
Dividends / profit, %
50.46 29.05 28.28 39.51 44.91 19.74 20.4 40.26 50.69 50.69 56.58 35.20 2.45
Dividend coverage ratio
2.85 2.85 32.92 2.85 0.00


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Other

2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Revenue, %
5.43 4.01 1.24 2.87 1.09 1.09 -27.47
Staff, people
289 294 0.86