What is Western New Eng Bancorp Inc's earnings per share (EPS)?

Western New Eng Bancorp Inc (WNEB) reported diluted earnings per share of $0.75 for fiscal year 2025. This represents a 33.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Western New Eng Bancorp Inc Financials

WNEB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Western New Eng Bancorp Inc (WNEB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 33/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Western New Eng Bancorp Inc's revenue grew 8.0% year-over-year to $118.6M, a solid pace of expansion. This earns a growth score of 47/100.

Leverage

Western New Eng Bancorp Inc has elevated debt relative to equity (D/E of 10.05), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Western New Eng Bancorp Inc has a free cash flow margin of 14.4%, earning a moderate score of 61/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Western New Eng Bancorp Inc generates a 6.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100. This is up from 5.0% the prior year.

Piotroski F-Score Neutral

6/9

Western New Eng Bancorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.19x

For every $1 of reported earnings, Western New Eng Bancorp Inc generates $1.19 in operating cash flow ($18.2M OCF vs $15.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$118.6M

YoY+8.0%

5Y CAGR+385.4%

10Y CAGR+10.8%

Western New Eng Bancorp Inc generated $118.6M in revenue in fiscal year 2025. This represents an increase of 8.0% from the prior year.

EBITDA

N/A

Net Income

$15.3M

YoY+30.9%

5Y CAGR+6.4%

10Y CAGR+10.3%

Western New Eng Bancorp Inc reported $15.3M in net income in fiscal year 2025. This represents an increase of 30.9% from the prior year.

EPS (Diluted)

$0.75

YoY+33.9%

5Y CAGR+10.8%

10Y CAGR+8.6%

Western New Eng Bancorp Inc earned $0.75 per diluted share (EPS) in fiscal year 2025. This represents an increase of 33.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$17.1M

YoY+56.2%

5Y CAGR-4.4%

10Y CAGR+6.8%

Western New Eng Bancorp Inc generated $17.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 56.2% from the prior year.

Cash & Debt

$40.4M

YoY-39.2%

5Y CAGR-14.3%

Western New Eng Bancorp Inc held $40.4M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.28

YoY+0.0%

5Y CAGR+7.0%

10Y CAGR+8.8%

Western New Eng Bancorp Inc paid $0.28 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

20M

YoY-2.4%

5Y CAGR-4.2%

10Y CAGR+1.1%

Western New Eng Bancorp Inc had 20M shares outstanding in fiscal year 2025. This represents a decrease of 2.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

12.9%

YoY+2.3pp

5Y CAGR-25475.8pp

10Y CAGR-0.6pp

Western New Eng Bancorp Inc's net profit margin was 12.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.3 percentage points from the prior year.

Return on Equity

6.2%

YoY+1.2pp

5Y CAGR+1.2pp

10Y CAGR+2.1pp

Western New Eng Bancorp Inc's ROE was 6.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$6.1M

YoY-19.8%

5Y CAGR-10.3%

10Y CAGR+4.6%

Western New Eng Bancorp Inc spent $6.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 19.8% from the prior year.

Capital Expenditures

$1.1M

YoY-10.3%

5Y CAGR-21.4%

10Y CAGR-10.4%

Western New Eng Bancorp Inc invested $1.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 10.3% from the prior year.

WNEB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$118.6M+8.0%	$109.8M+8.6%	$101.1M+17.7%	$85.9M+7.6%	$79.8M+181375.0%	$44K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$48.5M-3.0%	$50.0M+50.6%	$33.2M+396.0%	$6.7M+0.4%	$6.7M-63.8%	$18.4M
Income Tax	$4.5M+37.4%	$3.3M-27.1%	$4.5M-48.3%	$8.7M+8.9%	$8.0M+172.9%	$2.9M
Net Income	$15.3M+30.9%	$11.7M-22.6%	$15.1M-41.8%	$25.9M+9.2%	$23.7M+111.3%	$11.2M
EPS (Diluted)	$0.75+33.9%	$0.56-20.0%	$0.70-40.7%	$1.18+15.7%	$1.02+126.7%	$0.45

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$30.5M+1.7%	$30.0M+1.4%	$29.6M+4.1%	$28.4M-0.5%	$28.6M+2.7%	$27.8M+3.9%	$26.8M+0.7%	$26.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$11.7M-2.0%	$11.9M-0.2%	$12.0M-7.2%	$12.9M-3.1%	$13.3M+1.5%	$13.1M+6.3%	$12.3M+9.5%	$11.3M
Income Tax	$1.4M+37.1%	$1.0M-27.8%	$1.4M+114.2%	$664K-38.2%	$1.1M+73.9%	$618K-19.8%	$771K-6.8%	$827K
Net Income	$5.2M+64.5%	$3.2M-31.0%	$4.6M+99.3%	$2.3M-30.0%	$3.3M+72.7%	$1.9M-45.8%	$3.5M+18.6%	$3.0M
EPS (Diluted)	$0.26+62.5%	$0.16-30.4%	$0.23+109.1%	$0.11-31.3%	$0.16+77.8%	$0.09-47.1%	$0.17+21.4%	$0.14

WNEB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.7B+3.1%	$2.7B+3.5%	$2.6B+0.4%	$2.6B+0.6%	$2.5B+7.3%	$2.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$40.4M-39.2%	$66.5M+130.4%	$28.8M-5.0%	$30.3M-70.7%	$103.5M+18.3%	$87.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$12.5M0.0%	$12.5M0.0%	$12.5M0.0%	$12.5M0.0%	$12.5M0.0%	$12.5M
Total Liabilities	$2.5B+3.0%	$2.4B+3.9%	$2.3B+0.1%	$2.3B+0.4%	$2.3B+8.2%	$2.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	$57.9M
Total Equity	$247.6M+5.0%	$235.9M-0.6%	$237.4M+4.1%	$228.1M+2.0%	$223.7M-1.3%	$226.6M
Retained Earnings	$152.3M+6.7%	$142.7M+4.2%	$137.0M+7.0%	$128.0M+19.2%	$107.4M+21.5%	$88.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$2.7B0.0%	$2.7B+0.9%	$2.7B+0.1%	$2.7B+2.1%	$2.7B+0.5%	$2.6B+2.1%	$2.6B+1.1%	$2.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$40.4M-51.3%	$82.9M-11.1%	$93.3M-15.6%	$110.6M+66.4%	$66.5M-8.7%	$72.8M+36.2%	$53.5M+136.4%	$22.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$12.5M0.0%	$12.5M0.0%	$12.5M0.0%	$12.5M0.0%	$12.5M0.0%	$12.5M0.0%	$12.5M0.0%	$12.5M
Total Liabilities	$2.5B-0.1%	$2.5B+0.8%	$2.5B0.0%	$2.5B+2.3%	$2.4B+0.7%	$2.4B+2.1%	$2.3B+1.2%	$2.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$247.6M+1.6%	$243.6M+1.8%	$239.4M+0.7%	$237.7M+0.7%	$235.9M-2.0%	$240.7M+1.8%	$236.5M+0.3%	$235.8M
Retained Earnings	$152.3M+2.6%	$148.5M+1.2%	$146.8M+2.2%	$143.6M+0.6%	$142.7M+1.3%	$140.9M+0.3%	$140.5M+1.5%	$138.4M

WNEB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$18.2M+49.7%	$12.2M-17.6%	$14.8M-59.8%	$36.8M+27.7%	$28.8M+14.9%	$25.1M
Capital Expenditures	$1.1M-10.3%	$1.2M-58.8%	$2.9M+153.9%	$1.1M-66.9%	$3.5M-3.5%	$3.6M
Free Cash Flow	$17.1M+56.2%	$11.0M-7.6%	$11.9M-66.7%	$35.6M+40.6%	$25.3M+17.9%	$21.5M
Investing Cash Flow	-$113.6M-143.8%	-$46.6M-240.0%	-$13.7M+87.7%	-$111.9M+31.3%	-$162.9M-31.8%	-$123.6M
Financing Cash Flow	$69.3M-3.8%	$72.0M+2904.0%	-$2.6M-229.1%	$2.0M-98.7%	$150.1M-6.9%	$161.2M
Dividends Paid	$5.7M-3.4%	$5.9M-2.5%	$6.1M+14.9%	$5.3M+12.9%	$4.7M-7.1%	$5.0M
Share Buybacks	$6.1M-19.8%	$7.6M+51.3%	$5.0M-20.9%	$6.4M-72.7%	$23.3M+121.3%	$10.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$7.1M+26.6%	$5.6M-18.2%	$6.8M+649.5%	-$1.2M-120.5%	$6.1M+103.2%	$3.0M+51.8%	$2.0M+67.5%	$1.2M
Capital Expenditures	$663K	N/A	N/A	N/A	$815K	N/A	N/A	N/A
Free Cash Flow	$6.4M	N/A	N/A	N/A	$5.2M	N/A	N/A	N/A
Investing Cash Flow	-$43.3M-30.5%	-$33.2M-58.8%	-$20.9M-29.4%	-$16.2M+10.9%	-$18.1M+40.1%	-$30.3M-2488.0%	$1.3M+124.0%	$566K
Financing Cash Flow	-$6.3M-136.4%	$17.3M+642.1%	-$3.2M-105.2%	$61.5M+971.8%	$5.7M-87.7%	$46.6M+68.9%	$27.6M+446.7%	-$8.0M
Dividends Paid	$1.4M-0.1%	$1.4M-1.3%	$1.4M-0.1%	$1.4M-0.4%	$1.4M-1.8%	$1.5M-1.5%	$1.5M-0.7%	$1.5M
Share Buybacks	$1.2M+4816.7%	$24K-99.1%	$2.8M+32.3%	$2.1M+6.5%	$2.0M-5.9%	$2.1M+24.7%	$1.7M-8.1%	$1.8M

WNEB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.9%+2.3pp	10.6%-4.3pp	14.9%-15.2pp	30.1%+0.5pp	29.7%-25459.0pp	25488.6%
Return on Equity	6.2%+1.2pp	5.0%-1.4pp	6.3%-5.0pp	11.3%+0.8pp	10.6%+5.6pp	5.0%
Return on Assets	0.6%+0.1pp	0.4%-0.1pp	0.6%-0.4pp	1.0%+0.1pp	0.9%+0.5pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.05-0.2	10.25+0.4	9.80-0.4	10.19-0.2	10.35+10.1	0.26
FCF Margin	14.4%+4.5pp	10.0%-1.8pp	11.7%-29.7pp	41.5%+9.7pp	31.7%-48800.1pp	48831.8%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.1%+6.5pp	10.5%-5.0pp	15.5%+7.4pp	8.1%-3.4pp	11.5%+4.7pp	6.8%-6.3pp	13.1%+2.0pp	11.1%
Return on Equity	2.1%+0.8pp	1.3%-0.6pp	1.9%+0.9pp	1.0%-0.4pp	1.4%+0.6pp	0.8%-0.7pp	1.5%+0.2pp	1.3%
Return on Assets	0.2%+0.1pp	0.1%-0.1pp	0.2%+0.1pp	0.1%-0.0pp	0.1%+0.0pp	0.1%-0.1pp	0.1%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	10.05-0.2	10.23-0.1	10.32-0.1	10.40+0.2	10.25+0.3	9.97+0.0	9.94+0.1	9.85
FCF Margin	20.9%	N/A	N/A	N/A	18.3%	N/A	N/A	N/A

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Frequently Asked Questions

What is Western New Eng Bancorp Inc's annual revenue?

Western New Eng Bancorp Inc (WNEB) reported $118.6M in total revenue for fiscal year 2025. This represents a 8.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Western New Eng Bancorp Inc's revenue growing?

Western New Eng Bancorp Inc (WNEB) revenue grew by 8% year-over-year, from $109.8M to $118.6M in fiscal year 2025.

Is Western New Eng Bancorp Inc profitable?

Yes, Western New Eng Bancorp Inc (WNEB) reported a net income of $15.3M in fiscal year 2025, with a net profit margin of 12.9%.

What is Western New Eng Bancorp Inc's net profit margin?

Western New Eng Bancorp Inc (WNEB) had a net profit margin of 12.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Western New Eng Bancorp Inc pay dividends?

Yes, Western New Eng Bancorp Inc (WNEB) paid $0.28 per share in dividends during fiscal year 2025.

What is Western New Eng Bancorp Inc's return on equity (ROE)?

Western New Eng Bancorp Inc (WNEB) has a return on equity of 6.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Western New Eng Bancorp Inc's free cash flow?

Western New Eng Bancorp Inc (WNEB) generated $17.1M in free cash flow during fiscal year 2025. This represents a 56.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Western New Eng Bancorp Inc's operating cash flow?

Western New Eng Bancorp Inc (WNEB) generated $18.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Western New Eng Bancorp Inc's total assets?

Western New Eng Bancorp Inc (WNEB) had $2.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Western New Eng Bancorp Inc's capital expenditures?

Western New Eng Bancorp Inc (WNEB) invested $1.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Western New Eng Bancorp Inc buy back shares?

Yes, Western New Eng Bancorp Inc (WNEB) spent $6.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Western New Eng Bancorp Inc have outstanding?

Western New Eng Bancorp Inc (WNEB) had 20M shares outstanding as of fiscal year 2025.

What is Western New Eng Bancorp Inc's debt-to-equity ratio?

Western New Eng Bancorp Inc (WNEB) had a debt-to-equity ratio of 10.05 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Western New Eng Bancorp Inc's return on assets (ROA)?

Western New Eng Bancorp Inc (WNEB) had a return on assets of 0.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Western New Eng Bancorp Inc's Piotroski F-Score?

Western New Eng Bancorp Inc (WNEB) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Western New Eng Bancorp Inc's earnings high quality?

Western New Eng Bancorp Inc (WNEB) has an earnings quality ratio of 1.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Western New Eng Bancorp Inc?

Western New Eng Bancorp Inc (WNEB) scores 33 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.