Western New Eng Bancorp Inc (WNEB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the WNEB SEC filings page.
Western New Eng Bancorp Inc (WNEB) reported $88.2M in revenue over the twelve months to Jun 30, 2026, up 16.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Highly leveraged banking balance sheet where modest asset returns amplify earnings changes for equity holders
Interest expense reached$50.0M in FY2024 while ROA fell to0.4% ; in FY2025, net income recovered despite interest expense remaining elevated, indicating sensitivity to funding conditions rather than a simple volume problem. The rebound is therefore not evidence of structurally higher asset productivity; it looks more like partial earnings normalization.
Assets expanded
In FY2025, operating cash flow exceeded net income and free cash flow remained close to it; earnings therefore converted into cash without a large reinvestment drag. Capital expenditures were
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Western New Eng Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Western New Eng Bancorp Inc earned a return on assets of 0.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.4% the prior year. Earnings ranks banks on that return over three years, and Western New Eng Bancorp Inc scores 28/100 among other banks.
Western New Eng Bancorp Inc reported revenue of $82.6M in fiscal year 2025, against $72.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Western New Eng Bancorp Inc scores 25/100 among other banks.
Western New Eng Bancorp Inc funded 9.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $247.6M of equity against $2.7B of assets. Capital ranks banks on that cushion, and Western New Eng Bancorp Inc scores 19/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Western New Eng Bancorp Inc scores 19/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Western New Eng Bancorp Inc scores 92/100 on it among other banks.
Western New Eng Bancorp Inc reported net income of $15.3M in fiscal year 2025, against $11.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Western New Eng Bancorp Inc scores 46/100 among other banks.
Western New Eng Bancorp Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
Western New Eng Bancorp Inc generated $22.7M in revenue in Q2 2026. This represents an increase of 7.9% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.
Western New Eng Bancorp Inc reported $3.6M in net income in Q2 2026. This represents a decrease of 21.6% from the same quarter a year earlier. Against the prior quarter it is down 24.7%.
Western New Eng Bancorp Inc earned $0.18 per diluted share (EPS) in Q2 2026. This represents a decrease of 21.7% from the same quarter a year earlier. Against the prior quarter it is down 25.0%.
Not reported for Q2 2026.
Cash & Balance Sheet
Western New Eng Bancorp Inc generated $5.9M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 10.3% from the same quarter a year earlier. Against the prior quarter it is up 1613.4%.
Western New Eng Bancorp Inc held $37.7M in cash as of Q2 2026; long-term debt is not reported for that period.
Western New Eng Bancorp Inc paid $0.07 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Western New Eng Bancorp Inc's net profit margin was 15.8% in Q2 2026, showing the share of revenue converted to profit. This is down 6.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.6 percentage points.
Western New Eng Bancorp Inc's ROE was 1.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Western New Eng Bancorp Inc spent $2.7M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 3.4% from the same quarter a year earlier. Against the prior quarter it is down 2.1%.
Western New Eng Bancorp Inc invested $768K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 160.3% from the same quarter a year earlier. Against the prior quarter it is up 4.6%.
Not reported for Q2 2026.
WNEB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K/A | Q3'2510-K/A | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A | Q3'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Revenue | $22.7M+7.9% | $22.3M+21.7% | $22.0M+18.8% | $21.3M+19.0% | $21.1M+15.0% | $18.3M+1.5% | $18.5M-1.9% | $17.9M-10.6% |
| SG&A Expenses | $9.5M+7.3% | $9.2M+9.7% | $15.9M+6.3% | $9.2M+13.5% | $8.8M+11.8% | $8.4M+2.0% | $14.9M+1.0% | $8.1M+2.0% |
| Interest Expense | $11.5M-4.3% | $11.5M-11.2% | $11.7M-12.1% | $11.9M-8.9% | $12.0M-2.9% | $12.9M+14.6% | $13.3M+25.7% | $13.1M+37.8% |
| Income Tax | $1.2M-15.3% | $1.4M+110.5% | $1.4M+31.0% | $1.0M+66.2% | $1.4M+84.4% | $664K-19.7% | $1.1M-3.0% | $618K-40.2% |
| Net Income | $3.6M-21.6% | $4.8M+107.4% | $5.2M+58.4% | $3.2M+66.3% | $4.6M+30.7% | $2.3M-22.2% | $3.3M+30.9% | $1.9M-57.6% |
| EPS (Basic) | $0.18-21.7% | $0.24+118.2% | $0.26+62.5% | $0.16+77.8% | $0.23+35.3% | $0.11-21.4% | $0.16+33.3% | $0.09-57.1% |
| EPS (Diluted) | $0.18-21.7% | $0.24+118.2% | $0.26+62.5% | $0.16+77.8% | $0.23+35.3% | $0.11-21.4% | $0.16+33.3% | $0.09-57.1% |
| Diluted Shares (Avg) | 20M-2.1% | 20M-2.2% | N/A | 20M-3.3% | 20M-4.0% | 21M-3.6% | N/A | 21M-3.4% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
WNEB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K/A | Q3'2510-K/A | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A | Q3'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.7B+0.8% | $2.8B+2.0% | $2.7B+3.1% | $2.7B+3.6% | $2.7B+4.8% | $2.7B+5.9% | $2.7B+3.5% | $2.6B+2.1% |
| Cash & Equivalents | $37.7M-59.6% | $56.1M-49.2% | $40.4M-39.2% | $82.9M+13.9% | $93.3M+74.5% | $110.6M+389.0% | $66.5M+130.4% | $72.8M+16.9% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $12.5M0.0% | $12.5M0.0% | $12.5M0.0% | $12.5M0.0% | $12.5M0.0% | $12.5M0.0% | $12.5M0.0% | $12.5M0.0% |
| Total Liabilities | $2.5B+0.5% | $2.5B+1.8% | $2.5B+3.0% | $2.5B+3.8% | $2.5B+5.2% | $2.5B+6.5% | $2.4B+3.9% | $2.4B+1.9% |
| Total Equity | $248.3M+3.7% | $248.1M+4.4% | $247.6M+5.0% | $243.6M+1.2% | $239.4M+1.2% | $237.7M+0.8% | $235.9M-0.6% | $240.7M+4.2% |
| Retained Earnings | $157.9M+7.6% | $155.7M+8.4% | $152.3M+6.7% | $148.5M+5.4% | $146.8M+4.5% | $143.6M+3.7% | $142.7M+4.2% | $140.9M+3.6% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
WNEB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K/A | Q3'2510-K/A | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A | Q3'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.6M-2.9% | $346K+141.7% | $7.1M+16.6% | $5.1M+72.7% | $6.8M+248.3% | -$829K-170.7% | $6.1M-31.7% | $3.0M-61.0% |
| Stock-Based Compensation | N/A | -$187K-229.0% | N/A | N/A | N/A | $145K-71.3% | N/A | N/A |
| Capital Expenditures | $768K+160.3% | $734K+155.7% | $663K-18.7% | -$172K | $295K | $287K | $815K-41.5% | N/A |
| Free Cash Flow | $5.9M-10.3% | -$388K+65.2% | $6.4M+22.0% | $5.0M | $6.5M | -$1.1M | $5.2M-29.8% | N/A |
| Investing Cash Flow | $13.4M+164.2% | -$11.9M+28.3% | -$43.3M-138.8% | -$32.8M-8.2% | -$20.9M-1750.2% | -$16.6M-3028.1% | -$18.1M-39.5% | -$30.3M-661.7% |
| Financing Cash Flow | -$38.5M-1110.7% | $27.3M-55.6% | -$6.3M-209.3% | $17.3M-63.0% | -$3.2M-111.5% | $61.5M+872.5% | $5.7M+119.6% | $46.6M+165.9% |
| Dividends Paid | $1.4M-2.9% | $1.4M-4.6% | $1.4M-1.9% | $1.4M-3.5% | $1.4M-3.8% | $1.4M-4.3% | $1.4M-2.6% | $1.5M-3.3% |
| Share Buybacks | $2.7M-3.4% | $2.8M+30.6% | $1.2M-40.3% | $24K-98.9% | $2.8M+65.4% | $2.1M+14.8% | $2.0M+3.1% | $2.1M+117.6% |
Not reported in any period shown, so not listed: Depreciation & Amortization.
WNEB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K/A | Q3'2510-K/A | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A | Q3'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 15.8%-6.0pp | 21.5%+8.9pp | 23.7%+5.9pp | 14.9%+4.2pp | 21.8%+2.6pp | 12.6%-3.8pp | 17.8%+4.5pp | 10.7%-11.8pp |
| Return on Equity | 1.5%-0.5pp | 1.9%+1.0pp | 2.1%+0.7pp | 1.3%+0.5pp | 1.9%+0.4pp | 1.0%-0.3pp | 1.4%+0.3pp | 0.8%-1.1pp |
| Return on Assets | 0.1%0.0pp | 0.2%+0.1pp | 0.2%+0.1pp | 0.1%0.0pp | 0.2%0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%-0.1pp |
| Debt-to-Equity | 10.01-0.3x | 10.14-0.3x | 10.05-0.2x | 10.23+0.3x | 10.32+0.4x | 10.40+0.6x | 10.25+0.4x | 9.97-0.2x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 25.9%-5.2pp | -1.7%+4.4pp | 29.1%+0.8pp | 23.4% | 31.1% | -6.1% | 28.3%-11.3pp | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Western New Eng Bancorp Inc WNEB | FY2025 | $82.6M | $15.3M | 18.5% | $278.4M | 38/100 |
| Hawthorn Banc HWBK | FY2025 | $97.7M | $23.8M | 24.4% | $273.1M | 31/100 |
| Lcnb Corp LCNB | FY2025 | $102.7M | $23.1M | 22.5% | $272.3M | 55/100 |
| Northeast Cmnty Bancorp Inc NECB | FY2025 | $154.1M | $44.4M | 28.8% | $370.3M | 59/100 |
| Homestreet HMST | FY2025 | $49.7M | $265.7M | N/A | $262.4M | 16/100 |
| Norwood Finl NWFL | FY2025 | $87.9M | $27.8M | 31.6% | $377.9M | 29/100 |
Where Western New Eng Bancorp Inc Ranks
Frequently Asked Questions
What is Western New Eng Bancorp Inc's annual revenue?
Western New Eng Bancorp Inc (WNEB) reported $82.6M in total revenue for fiscal year 2025. This represents a 13.6% 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 13.6% year-over-year, from $72.7M to $82.6M 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 18.5%.
What is Western New Eng Bancorp Inc's net profit margin?
Western New Eng Bancorp Inc (WNEB) had a net profit margin of 18.5% 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.
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 P/E ratio?
Western New Eng Bancorp Inc (WNEB) trades at 16.6x earnings, its market capitalization divided by net income of $16.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $278.4M as of Sep 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Western New Eng Bancorp Inc's price-to-sales ratio?
Western New Eng Bancorp Inc (WNEB) trades at 3.2x sales, its market capitalization divided by revenue of $88.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $278.4M as of Sep 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 38 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.