Stocks · Financial Services · Banks - Regional
Western New England Bancorp, Inc. WNEB
$13.93 +1.31% Close, Oct 2, 2026 · NASDAQ · Market cap $280.3M
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $0.84, up 42.1% year over year.
- The stock is in an uptrend: above its 200-day average for 43 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $106.4M, down 16.6% from a year earlier, slowing from 5.7% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth18Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 8%
- EPS growth (TTM, YoY)Top 24%
- FCF growth (TTM, YoY)Top 43%
- Revenue growth, 3-year CAGRBottom 28%
- Revenue growth accelerationBottom 8%
Quality21Very weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 33%
- Gross marginBottom 28%
- Operating marginBottom 21%
- Cash conversion (OCF / net income)Top 49%
- Accruals (lower is better)Bottom 40%
- Net debt / EBITDA (lower is better)Bottom 41%
- Interest coverBottom 14%
Value39Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 47%
- Free-cash-flow yieldBottom 40%
- EBITDA / enterprise valueBottom 33%
- Sales / enterprise valueTop 42%
- P/E vs own 5-year history (lower is better)Bottom 31%
Momentum71Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 40%
- 6-month returnTop 48%
- 1-year return vs S&P 500Top 33%
- Distance from 52-week highTop 36%
- Trend checklist (0–4)Top 11%
Revisions15Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 27%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 37%
- Upside to consensus price targetBottom 42%
Stability27Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 22%
- Maximum drawdown, 3 yearsBottom 36%
- Beta vs S&P 500 (lower is better)Bottom 42%
- Net debt / EBITDA (lower is better)Bottom 41%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.7% | -16.6% | ↓ |
| EPS growth (YoY) | 67.6% | 42.1% | ↓ |
| Gross margin | 60.0% | 54.9% | ↓ |
| Operating margin | 12.4% | 9.7% | ↓ |
| FCF margin | 10.6% | 16.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -16.6% | 5.7% | ↓ | Bottom 8% |
| EPS growth (TTM, YoY) | 42.1% | 67.6% | ↓ | Top 24% |
| Gross margin | 54.9% | 60.0% | ↓ | Bottom 28% |
| Operating margin | 9.7% | 12.4% | ↓ | Bottom 21% |
| Net margin | 15.7% | 9.5% | ↑ | — |
| Free-cash-flow margin | 16.2% | 10.6% | ↑ | — |
| Return on invested capital | 0.3% | — | Bottom 33% | |
| Revenue growth, 3-year CAGR | 9.4% | — | Bottom 28% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.17×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +19.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.16×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.00%
- Net buyback yield (TTM)
- 2.37%
- Shareholder yield
- 4.37%
- Share count change, 1 year
- -1.6%
- Share count change, 3-year CAGR
- -2.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -0.7%
- Average 2-day reaction, last 8
- +1.7%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $15.75
- Target vs current price
- +13.1%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 38%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | -25.0% | +1.8% | -9.0% | -3.5% | — |
| Apr 28, 2026 | +14.3% | +1.5% | -0.9% | -3.3% | +1.3% |
| Jan 27, 2026 | +23.8% | -0.5% | +7.2% | +3.0% | +6.1% |
| Oct 28, 2025 | -15.8% | -0.7% | -0.7% | +5.1% | +11.8% |
| Jul 22, 2025 | +64.3% | +1.1% | +12.6% | +16.9% | +14.6% |
| Apr 22, 2025 | -8.3% | +4.8% | +7.4% | +10.7% | +18.0% |
| Jan 29, 2025 | +33.3% | +4.7% | +5.3% | +9.9% | +3.6% |
| Oct 23, 2024 | -10.0% | +0.7% | +0.8% | +5.9% | +5.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.18 | $0.24 | -25.0% | $22.7M |
| Apr 28, 2026 | $0.24 | $0.21 | +14.3% | $22.3M |
| Jan 27, 2026 | $0.26 | $0.21 | +23.8% | $22.0M |
| Oct 28, 2025 | $0.16 | $0.19 | -15.8% | $20.6M |
| Jul 22, 2025 | $0.23 | $0.14 | +64.3% | $20.4M |
| Apr 22, 2025 | $0.11 | $0.12 | -8.3% | $18.3M |
| Jan 29, 2025 | $0.16 | $0.12 | +33.3% | $18.5M |
| Oct 23, 2024 | $0.09 | $0.10 | -10.0% | $17.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 16.6× | 11.2× | 76th | Bottom 47% |
| P/E (forward) | 15.0× | — | — | — |
| EV / EBITDA | 26.5× | — | — | Bottom 33% |
| EV / Sales | 2.87× | — | — | Top 42% |
| Free-cash-flow yield | 6.13% | — | — | Bottom 40% |
| Earnings yield | 6.03% | — | — | Bottom 47% |
P/E over the past five years
Range 5.0× – 18.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +19.2%
- Earnings per share growth (TTM)
- +42.1%
- Change in P/E multiple
- -12.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 43
- 50-day average slope (20 days)
- -1.5%
- 200-day average slope (20 days)
- +1.1%
- Distance from 50-day average
- +1.0%
- Distance from 200-day average
- +2.9%
- RSI (14)
- 53.2
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 33.1%
- Volatility vs own 5-year history
- 66th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.77
- Correlation with S&P 500
- 0.38
- Current drawdown from 1-year high
- -5.9%
- Maximum drawdown, 3 years
- -33.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 23, 2023 | May 31, 2023 | -43.9% | 67 days | 536 days (Jul 22, 2025) |
| Oct 28, 2021 | Jun 17, 2022 | -26.3% | 160 days | 111 days (Nov 25, 2022) |
| Oct 7, 2020 | Oct 28, 2020 | -20.6% | 15 days | 47 days (Jan 6, 2021) |
| Mar 12, 2021 | Apr 22, 2021 | -17.0% | 28 days | 131 days (Oct 27, 2021) |
| Sep 19, 2025 | Oct 17, 2025 | -13.9% | 20 days | 32 days (Dec 3, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $280.3M
- P/E (TTM)
- 16.6
- EPS, diluted (TTM)
- $0.84
- Revenue (TTM)
- $106.4M
- Dividend yield
- 2.01%
- 52-week range
- $10.78 – $15.01
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $92.4M | $99.3M | $112.0M | $122.7M | $129.8M |
| Gross profit | $86.7M | $91.9M | $77.9M | $73.4M | $80.5M |
| Operating income | $31.7M | $34.6M | $19.6M | $15.0M | $19.3M |
| Net income | $23.7M | $25.9M | $15.1M | $11.7M | $15.3M |
| EPS (diluted) | $1.02 | $1.18 | $0.70 | $0.56 | $0.75 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $30.3M | $33.7M | $31.2M | $32.3M | $32.6M | $33.7M | $33.7M | $6.4M |
| Net income | $1.9M | $3.3M | $2.3M | $4.6M | $3.2M | $5.2M | $4.8M | $3.6M |
| EPS (diluted) | $0.09 | $0.16 | $0.11 | $0.23 | $0.16 | $0.26 | $0.24 | $0.18 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $28.8M | $36.8M | $14.8M | $12.2M | $18.2M |
| Capital expenditure | -$3.5M | -$1.1M | -$2.9M | -$1.2M | -$1.1M |
| Free cash flow | $25.3M | $35.6M | $11.9M | $11.0M | $17.1M |
| Dividends paid | -$4.7M | -$5.3M | -$6.1M | -$5.9M | -$5.7M |
| Net share buybacks | -$23.1M | -$6.4M | -$5.0M | -$7.6M | -$6.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $37.7M
- Total assets
- $2.73B
- Total liabilities
- $2.48B
- Total debt
- $62.5M
- Net debt
- $24.9M
- Shareholders’ equity
- $248.3M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 12, 2026 | $0.07 | Aug 26, 2026 |
| May 13, 2026 | $0.07 | May 27, 2026 |
| Feb 11, 2026 | $0.07 | Feb 25, 2026 |
| Nov 12, 2025 | $0.07 | Nov 26, 2025 |
| Aug 6, 2025 | $0.07 | Aug 20, 2025 |
| May 7, 2025 | $0.07 | May 21, 2025 |
| Feb 12, 2025 | $0.07 | Feb 26, 2025 |
| Nov 7, 2024 | $0.07 | Nov 21, 2024 |
Short interest
- Shares sold short
- 315,878
- Days to cover
- 6.44
- Change vs previous report
- +10.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 4, 2007
- 164,069-for-50,000