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WNEB

Western New England Bancorp, Inc.

WNEB

Western New England Bancorp, Inc. • NASDAQ
$12.24 ▼ -0.24% (-0.03)
Market Cap $250.82 M
52w High $12.80
52w Low $7.63
Dividend Yield 0.28%
P/E 18.55
Volume 16.75K
Outstanding Shares 20.49M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $32.573M ▲ $15.145M ▲ $3.167M ▼ 9.723% ▼ $0.16 ▼ $4.805M ▼
Q2-2025 $32.349M ▲ $14.982M ▼ $4.59M ▲ 14.189% ▲ $0.23 ▲ $6.65M ▲
Q1-2025 $31.196M ▼ $15.184M ▼ $2.303M ▼ 7.382% ▼ $0.11 ▼ $3.607M ▼
Q4-2024 $33.684M ▲ $16.77M ▲ $3.288M ▲ 9.761% ▲ $0.16 ▲ $5.027M ▲
Q3-2024 $30.332M $13.757M $1.904M 6.277% $0.091 $3.165M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $262.176M ▲ $2.736B ▲ $2.492B ▲ $243.64M ▲
Q2-2025 $92.219M ▼ $2.711B ▲ $2.472B ▲ $239.428M ▲
Q1-2025 $110.79M ▼ $2.709B ▲ $2.472B ▲ $237.676M ▲
Q4-2024 $217.89M ▲ $2.653B ▲ $2.417B ▲ $235.91M ▼
Q3-2024 $216.132M $2.64B $2.4B $240.655M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $3.167M ▼ $5.577M ▼ $-33.202M ▼ $17.259M ▲ $-10.366M ▲ $5.318M ▼
Q2-2025 $4.59M ▲ $6.819M ▲ $-20.906M ▼ $-3.184M ▼ $-17.271M ▼ $6.668M ▲
Q1-2025 $2.303M ▼ $-1.241M ▼ $-16.161M ▲ $61.531M ▲ $44.129M ▲ $-1.241M ▼
Q4-2024 $3.288M ▲ $6.055M ▲ $-18.148M ▲ $5.741M ▼ $-6.352M ▼ $5.24M ▲
Q3-2024 $1.904M $2.98M $-30.28M $46.644M $19.344M $2.91M

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown gradually over the past few years, but profit margins have become thinner. Earnings were stronger a couple of years ago and have since come down, suggesting that higher funding costs or tighter spreads are pressuring results. The bank is still profitable, but with less cushion than during its recent peak years. Overall, it looks like a slow‑growth, steady earner facing the same margin squeeze many regional banks are seeing in a higher‑rate environment.

Balance Sheet

Balance Sheet The balance sheet shows a slow, steady build in total assets and fairly stable shareholder equity, which points to a conservative growth approach. Cash levels move around from year to year, which is normal for a bank, and borrowings have risen compared with earlier years but are not extreme relative to the asset base. Capital levels appear consistent over time, suggesting a focus on maintaining a solid buffer rather than aggressive balance‑sheet expansion.

Cash Flow

Cash Flow Operating cash flow has been consistently positive, which is a good sign for the underlying health of the franchise, although it has softened from its stronger years. Because this is a bank with modest physical investment needs, free cash flow closely tracks operating cash flow, leaving reasonable flexibility for dividends, buybacks, or balance‑sheet strengthening. There is no sign of heavy spending or cash burn; instead, the pattern is one of cautious, incremental cash generation.

Competitive Edge

Competitive Edge Western New England Bancorp operates as a classic community bank, relying more on long‑standing local relationships and service than on scale or cutting‑edge technology. Its deep roots in western Massachusetts and northern Connecticut, plus visible community support and local sponsorships, help build loyalty and word‑of‑mouth trust. The trade‑off is that it competes against much larger banks with broader product sets and more sophisticated digital platforms, which can make customer acquisition and pricing more challenging outside its core relationship base.

Innovation and R&D

Innovation and R&D The bank is a deliberate “fast follower” rather than a technology trailblazer. It uses widely available digital tools—online and mobile banking, payments, cash management—without investing heavily in proprietary platforms. Its real innovation is in tailoring standard products to local needs and specific niches like small businesses, municipalities, and financial advisors. That keeps costs down but carries the risk of falling behind if customer expectations for digital experiences accelerate faster than its vendor‑driven upgrades.

Summary

Western New England Bancorp looks like a traditional, community‑focused regional bank with modest revenue growth, compressing margins, and steady but unspectacular profitability. The balance sheet and cash flows reflect a cautious, conservative posture rather than aggressive expansion. Its strongest assets are long‑term local relationships, community involvement, and personalized service, which help offset its smaller scale and more generic technology stack. Future performance will likely hinge on how well it manages interest‑rate and credit cycles while gradually expanding its commercial lending and keeping its digital offerings competitive enough to retain and attract customers.

NEWS

October 28, 2025 · 4:05 PM UTC

Western New England Bancorp, Inc. Reports Results for Three and Nine Months Ended September 30, 2025 and Declares Quarterly Cash Dividend

Read more