📊 WNEB Key Takeaways
Is Western New England Bancorp, Inc. (WNEB) a Good Investment?
WNEB exhibits concerning fundamental weaknesses despite positive earnings metrics. Negative free cash flow, severely depressed capital efficiency (ROE 1.9%, ROA 0.2%), and dangerously low interest coverage (0.5x) indicate the institution cannot adequately support its $2.8B asset base or service debt from operating income.
Western New England Bancorp, Inc. Key Strengths (WNEB)
- Conservative leverage at 0.17x debt/equity ratio provides financial flexibility
- Positive net profit margin of 15.8% and operating margin of 20.4% demonstrate profitability at operational level
- Adequate cash position of $56.1M provides liquidity buffer
WNEB Stock Risks: Western New England Bancorp, Inc. Investment Risks
- Negative free cash flow of -$388K indicates inability to fund operations and capital expenditures from internal cash generation
- Interest coverage of 0.5x is critically low; operating income cannot cover interest expense, creating debt servicing risk
- Exceptionally poor capital efficiency with ROE of 1.9% and ROA of 0.2% suggests structural profitability challenges relative to asset base
Key Metrics to Watch
- Free cash flow and operating cash flow generation trends
- Interest coverage ratio and debt service capacity improvements
- Return on equity and return on assets trajectory
Western New England Bancorp, Inc. (WNEB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
WNEB Profit Margin, ROE & Profitability Analysis
WNEB vs Finance Sector: How Western New England Bancorp, Inc. Compares
How Western New England Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Western New England Bancorp, Inc. Stock Overvalued? WNEB Valuation Analysis 2026
Based on fundamental analysis, Western New England Bancorp, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Western New England Bancorp, Inc. Balance Sheet: WNEB Debt, Cash & Liquidity
WNEB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Western New England Bancorp, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.70 reflects profitable operations.
WNEB Revenue Growth, EPS Growth & YoY Performance
WNEB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2021 | $12.0K | $2.0M | $0.08 |
| Q1 2021 | $8.0K | $2.1M | $0.08 |
| Q3 2020 | $36.0K | $1.9M | $0.08 |
| Q2 2020 | $12.0K | $2.0M | $0.08 |
| Q1 2020 | $14.0K | $2.1M | $0.08 |
| Q3 2019 | $52.0K | $752.0K | $0.12 |
| Q2 2019 | $36.0K | $752.0K | $0.12 |
| Q1 2019 | $18.0K | $752.0K | $0.12 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Western New England Bancorp, Inc. Dividends, Buybacks & Capital Allocation
WNEB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Western New England Bancorp, Inc. (CIK: 0001157647)
📋 Recent SEC Filings
❓ Frequently Asked Questions about WNEB
What is the AI rating for WNEB?
Western New England Bancorp, Inc. (WNEB) has an AI grade of C with 76% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WNEB's key strengths?
Claude: Conservative leverage at 0.17x debt/equity ratio provides financial flexibility. Positive net profit margin of 15.8% and operating margin of 20.4% demonstrate profitability at operational level.
What are the risks of investing in WNEB?
Claude: Negative free cash flow of -$388K indicates inability to fund operations and capital expenditures from internal cash generation. Interest coverage of 0.5x is critically low; operating income cannot cover interest expense, creating debt servicing risk.
What is WNEB's revenue and growth?
Western New England Bancorp, Inc. reported revenue of $30.3M.
Does WNEB pay dividends?
Western New England Bancorp, Inc. pays dividends, with $1.4M distributed to shareholders in the trailing twelve months.
Where can I find WNEB SEC filings?
Official SEC filings for Western New England Bancorp, Inc. (CIK: 0001157647) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is WNEB's EPS?
Western New England Bancorp, Inc. has a diluted EPS of $0.24.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is WNEB's fundamental grade?
Based on our AI fundamental analysis in June 2026, Western New England Bancorp, Inc. has a C grade with 76% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is WNEB stock overvalued or undervalued?
Valuation metrics for WNEB: ROE of 1.9% (sector avg: 12%), net margin of 15.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is WNEB's AI grade for 2026?
Our dual AI analysis gives Western New England Bancorp, Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is WNEB's free cash flow?
Western New England Bancorp, Inc.'s operating cash flow is $346.0K, with capital expenditures of $734.0K. FCF margin is -1.3%.
How does WNEB compare to other Finance stocks?
Vs Finance sector averages: Net margin 15.8% (avg: 25%), ROE 1.9% (avg: 12%), current ratio N/A (avg: 1.2).