Western New England Bancorp, Inc.

WNEB

$13.71

-0.15%

2026-09-03 16:00:00 EDT-$0.02

Financial Services

Banks - Regional

NASDAQ

Active Trading

Western New England Bancorp, Inc. (WNEB) functions as the parent entity for Westfield Bank, which delivers a comprehensive suite of commercial and ...

Price Action of WNEB

$13.71

-0.15%-$0.02

High—

Low—

52W High-8.2%

Rel. vol—

Interval

Range3.6h

Volume—SMA5SMA10

—

Western New England Bancorp, Inc. (WNEB) is a Massachusetts-chartered stock holding company headquartered in Westfield, Massachusetts, serving as the parent entity for Westfield Bank. Founded in 1853, the company provides a comprehensive suite of commercial and retail banking solutions tailored to individuals and businesses. Its product offerings include checking accounts, ...Western New England Bancorp, Inc. (WNEB) is a Massachusetts-chartered stock holding company headquartered in Westfield, Massachusetts, serving as the parent entity for Westfield Bank. Founded in 1853, the company provides a comprehensive suite of commercial and retail banking solutions tailored to individuals and businesses. Its product offerings include checking accounts, various savings accounts (business, municipal, money market, sweep, and individual retirement plans), time deposits, certificates of deposit, and interest on lawyers trust accounts. On the lending side, WNEB offers residential and commercial real estate financing, commercial construction loans, working capital financing, equipment acquisition loans, term loans, home equity and consumer loans, and commercial and industrial loans with revolving lines of credit. The bank also facilitates transactions through ATMs, telephone and online banking, remote deposit capture, and cash management solutions, along with conveniences such as overdraft protection, safe deposit boxes, and night deposit services. As of December 31, 2021, the operational footprint included 25 brick-and-mortar banking locations, supported by 23 permanent standalone ATMs and 35 seasonal or temporary ATMs, strategically placed across communities in Massachusetts (Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield, and Westfield) and Connecticut (Bloomfield, Enfield, Granby, and West Hartford). The company was formerly known as Westfield Financial, Inc. before officially changing its name to Western New England Bancorp, Inc. in October 2016. Financially, WNEB has a market capitalization of approximately $276 million, a price-to-earnings ratio of about 16.3, and a dividend yield of around 2%. It employs 292 people as per the latest data. Key leadership includes CEO James C. Hagan, who has been with the company since 2009 and CEO since December 31, 2015. The company is listed on NASDAQ under the symbol WNEB. WNEB focuses on community banking, emphasizing personalized service and local decision-making, aiming to support the economic growth of the regions it serves. With a history spanning over 170 years, the company has established itself as a trusted financial partner in its communities, continuously adapting to meet evolving customer needs.ExpandCollapse

Founded

1853

Employees

313

CEO

James C. Hagan

Full Name

Western New England Bancorp, Inc.

Sector

Financial Services

Industry

Banks - Regional

ROE

6.78%

Market Cap

$0.28B

Current Ratio

1.62

WACC

15.50%

ROIC

32.70%

Contact Information

https://www.westfieldbank.com

413 568 1911

141 Elm Street, Westfield, MA 01085

Key Metrics of WNEB

Snapshot

Latest / TTM · 6 periods

Market Cap

$275.92M

ROCE

0.4%

EV / EBITDA

26.08x

-4.9% YoY

FCF Yield

6.2%

-0.5% YoY

Cash Conversion Cycle

30.9d

Current Ratio

1.62

Quick take

TTM —

Positive CCC

Financial Highlights of WNEB

Profitability trend

Latest / TTM · 6 periods

Gross Margin

54.9%

Net Margin

15.7%

P/E Ratio

16.32x

n/a

Debt / Equity

0.25

n/a

Current Ratio

1.62

Dividend Yield

2.0%

Understanding

TTM —

No major balance sheet stress in these headline ratios.

Calendar of WNEB

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.26 · Revenue $23.40M · 2 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.26 · Revenue $23.89M · 2 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $0.93 · Revenue $91.78M · 2 analysts
Mar 30, 2027
Q1 FY2027 · Estimated results
Est. EPS $0.25 · Revenue $23.72M · 1 analysts

Recent history

Aug 26, 2026
Dividend payment
$0.28 per share
Aug 12, 2026
Ex-dividend date
$0.28 per share
Aug 7, 2026
Q2 FY2026 · Results reported
EPS $0.18 · Revenue $6.43M
View filing
May 8, 2026
Q1 FY2026 · Results reported
EPS $0.24 · Revenue $33.71M
View filing
Mar 10, 2026
FY2025 · Annual results
EPS $0.75 · Revenue $129.83M
View filing
Nov 7, 2025
Q3 FY2025 · Results reported
EPS $0.16 · Revenue $32.57M
View filing

Financial Statements of WNEB

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$129.8M	+5.8%	-80.9%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$15.3M	+30.9%	-24.7%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+62.0%	+3.7%	-220.4%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+14.9%	+22.0%	-623.9%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+11.8%	+23.7%	+294.6%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$17.1M	+56.2%	+1613.4%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+13.2%	+47.7%	+8029.0%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	42.8%	-17.9%	-46.4%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.02x	-78.1%	+23.7%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$2.7B	+3.1%	-1.2%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	0.75 vs 0.69	+9.5%	0.18 vs 0.24	-25.0%
Revenue Surprise	$129.8M vs $82.3M	+57.8%	$6.4M vs $22.7M	-71.7%

Insider Transactions of WNEB

Acquisitions (A)

Since May 6, 2026

Disposals (D)

Since May 6, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 5, 2026	Fitzgerald Gary G	director	Common Stock	A	307	$13.90
Aug 5, 2026	Damon Donna J.	director	Common Stock	A	291	$13.90
Aug 5, 2026	MASSE WILLIAM D	director	Common Stock	A	312	$13.90
Aug 5, 2026	McMahon Lisa G	director	Common Stock	A	258	$13.90
Aug 5, 2026	Richter Steven G.	director	Common Stock	A	441	$13.90

Leadership Team of WNEB

10 executives

Name	Title	Compensation	Gender	Year Born	Status
James C. Hagan	President, Chief Executive Officer & Director	USD 1,570,975	Male	1961	Active
Allen J. Miles	Executive Vice President & Chief Lending Officer	USD 665,901	Male	1963	Active
Guida R. Sajdak	Chief Financial Officer, Executive Vice President & Treasurer	USD 594,600	Female	1973	Active
John E. Bonini	Senior Vice President & General Counsel	—	Male	1969	Active
Darlene Libiszewski	Senior Vice President & Chief Information Officer	—	Female	1967	Active
Meghan Hibner	Vice President, Controller & Investor Relations Officer	—	Female	—	Active
Nadia Baral	Vice President & Director of Compliance	—	Female	—	Active
Carole Hinkley	Assistant Vice President & Investment Officer	—	—	—	Active
Daniel Marini	Senior Vice President of Retail Banking & Marketing	—	Male	1973	Active
Kevin C. O'Connor	Executive Vice President & Chief Operating Officer	—	Male	1960	Active

Recent News of WNEB

24/7 Wall Street8/6/2026Neutral

Get Paid by September 1st with These 4 Dividend Stocks. But There's a Catch.

First Business Financial Services (NASDAQ:FBIZ) declared a quarterly common dividend of $0.34 per share on July 30, 2026, payable August 26.

Zacks Investment Research7/28/2026Neutral

Western New England Bancorp (WNEB) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

Although the revenue and EPS for Western New England Bancorp (WNEB) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Zacks Investment Research7/28/2026Neutral

Western New England Bancorp (WNEB) Q2 Earnings Miss Estimates

Western New England Bancorp (WNEB) came out with quarterly earnings of $0.18 per share, missing the Zacks Consensus Estimate of $0.25 per share. This compares to earnings of $0.23 per share a year ago.

GlobeNewsWire7/28/2026Neutral

Western New England Bancorp, Inc. Reports Results for Three and Six Months Ended June 30, 2026 and Declares Quarterly Cash Dividend

WESTFIELD, Mass., July 28, 2026 (GLOBE NEWSWIRE) -- Western New England Bancorp, Inc. (the “Company” or “WNEB”) (NasdaqGS: WNEB), the holding company for Westfield Bank (the “Bank”), announced today the unaudited results of operations for the three and six months ended June 30, 2026. For the three months ended June 30, 2026, the Company reported net income of $3.6 million, or $0.18 per diluted share, compared to net income of $4.6 million, or $0.23 per diluted share, for the three months ended June 30, 2025. On a linked quarter basis, net income was $3.6 million, or $0.18 per diluted share, as compared to net income of $4.8 million, or $0.24 per diluted share, for the three months ended March 31, 2026. For the six months ended June 30, 2026, net income was $8.4 million, or $0.42 per diluted share, compared to net income of $6.9 million, or $0.34 per diluted share, for the six months ended June 30, 2025.

Zacks Investment Research6/12/2026Neutral

Western New England Bancorp (WNEB) Upgraded to Buy: Here's What You Should Know

Western New England Bancorp (WNEB) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Historical Employee Count of WNEB

Current

292

Change

+2.10%

Minimum

286

Maximum

298

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	292	10-K	Mar 10, 2026	View
Dec 31, 2024	286	10-K	Mar 10, 2025	View
Dec 31, 2023	294	10-K	Mar 8, 2024	View
Dec 31, 2022	289	10-K	Mar 10, 2023	View
Dec 31, 2021	298	10-K	Mar 11, 2022	View

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Western New England Bancorp, Inc.