Western New England Bancorp, Inc. (WNEB) Stock

Western New England Bancorp, Inc. (WNEB) is a Financials stock trading at $13.75 (as of 2026-09-02), with a market capitalization of $276.72M and a trailing P/E of 16.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Western New England Bancorp, Inc. is the holding company for Westfield Bank, which provides commercial and retail banking services to individuals and businesses. It offers deposit accounts and time deposits, lending for residential and commercial real estate and working capital, and banking services such as ATM, telephone and online banking, remote deposit capture, cash management, and other account facilities.

Understand Western New England Bancorp, Inc.: how it makes money

Westfield Bank, through its holding company WNEB, provides commercial and retail lending plus deposit accounts to individuals and businesses in western New England. It earns the spread between deposit costs and loan yields. As a small community lender, earnings depend on local credit quality and operating efficiency, with 92% of deposits already deployed into loans.

The entire profit engine is the net interest spread between what depositors earn and what borrowers pay; the efficiency ratio is the main lever that determines whether that spread becomes retained earnings or gets consumed by overhead.

Business quality (Mixed): Clean credit book and adequate liquidity, but operating efficiency (71.9%) and a premium valuation temper the quality picture.

Valuation: At 17× earnings, WNEB trades 32% above the Banking average (13×).

Bull case

  • Zero credit losses reported: Nonperforming and nonaccrual loans both sit at $0.0B (kpi). For a community bank with 92% of deposits in loans, a fully current book means the local credit cycle has not yet tested the portfolio.
  • Solid 16% operating margin: Operating margin of 16% (10-Q) indicates the spread on the loan book is clearing overhead with room to spare, supporting earnings stability in a modest-growth quarter (revenue up 3.9% YoY).

Bear case

  • Pays 32% premium to peers: P/E at 17.0x vs the Banking industry average of 13x (valuation) prices in quality the 7.0% ROE and mixed business-grade do not yet justify. Any credit slip or rate-pressure event would compress the multiple fastest.
  • Efficiency ratio above 70%: The efficiency ratio of 71.9% (kpi) means the bank spends about 72 cents on every revenue dollar. Above the 60% threshold common among well-run community banks, this leaves thin cushion if net interest income compresses.
Valuation — source: SEC EDGAR (first-party)
Price$13.75
Market Cap$276.72M
P/E Ratio16.5
EV / EBITDA10.7
Price / Book1.11
Price / Sales2.28
FCF Yield6.2%
DCF Value (model)$9.74
DCF Upside vs Price-29.2%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$118.62M
Net Margin12.9%
Revenue Growth (YoY)3.9%
EPS Growth (YoY)-21.7%
FCF Growth (YoY)9.8%
Valuation vs Sector & Industry
Stock P/E16.5
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector10.7%
vs Industry30.1%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($22.16M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJames C. Hagan
Employees286
CountryUS
IPO Date2002-05-02

Related Companies (Banking; 8 comparable banks)

  • Waterstone Financial, Inc. (WSBF)
  • Eastern Bankshares, Inc. (EBC)
  • Finward Bancorp (FNWD)
  • Citizens Community Bancorp, Inc. (CZWI)
  • First Northern Community Bancorp (FNRN)
  • BCB Bancorp, Inc. (BCBP)
  • Farmers & Merchants Bancorp, Inc. (FMAO)
  • Ponce Financial Group, Inc. (PDLB)
WNEB earnings history · WNEB institutional & insider holders · WNEB KPIs & operating metrics · WNEB financials · WNEB investor presentations & press releases · WNEB SEC filings · WNEB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.