What is Western New England Bancorp, Inc.'s earnings per share (EPS)?

Western New England 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 England Bancorp, Inc. (WNEB) Financials

WNEB

Trailing 12 months to June 30, 2026

Revenue $88.2M +16.5% YoY

Net Income $16.8M +38.6% YoY

EPS (Diluted) $0.84 +42.4% YoY

Free Cash Flow $16.9M YoY not available

Market Cap $277.4M as of Oct 22, 2026

Price / Sales 3.1x on $88.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 16.6x on $16.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $248.3M equity, Q2 FY2026

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 Oct 22, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

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 England 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).

Rhea AI WNEB FY2025 2026-10-04

FY2025 earnings recovered, but the bank remains heavily funded by liabilities rather than shareholders’ equity.

Cash-backed earnings recovery is the clearest quality signal: net income increased 30.9% in FY2025, while operating cash flow increased 49.7%. Free cash flow also reached $17.1M from $11.0M, indicating that the profit rebound was accompanied by cash generation rather than existing only on the income statement.

The balance sheet is the business model: liabilities were 10.1x equity in FY2025, while assets expanded 3.1% from FY2024. That structure is typical of an institution whose scale depends more on funding and asset deployment than on a large equity cushion.

Revenue recovered 13.6% in FY2025 after a two-year slide, restoring activity without returning to FY2022’s level. Interest expense fell 2.9% as revenue recovered, helping explain why net income improved through both stronger activity and lower funding pressure.

Financial Health Signals

Financial Health Score 38/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. 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 England 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.

Earnings

Western New England 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 England Bancorp, Inc. scores 27/100 among other banks.

Growth

Western New England 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 England Bancorp, Inc. scores 24/100 among other banks.

Capital

Western New England 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 England Bancorp, Inc. scores 21/100 among other banks.

Efficiency

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 England Bancorp, Inc. scores 19/100 on it among other banks.

Credit Quality

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 England Bancorp, Inc. scores 92/100 on it among other banks.

Stability

Western New England 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 England Bancorp, Inc. scores 46/100 among other banks.

Piotroski F-Score Partial

6/6

Western New England 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, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$22.7M

YoY+7.9%

QoQ+2.1%

5Y CAGR+2.4%

10Y CAGR+9.4%

Western New England 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%.

Net Income

$3.6M

YoY-21.6%

QoQ-24.7%

5Y CAGR-8.6%

10Y CAGR+24.9%

Western New England 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%.

EPS (Diluted)

$0.18

YoY-21.7%

QoQ-25.0%

5Y CAGR-5.6%

Western New England 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%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$5.9M

YoY-10.3%

QoQn/m

Western New England 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. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Cash & Debt

$37.7M

YoY-59.6%

QoQ-32.9%

5Y CAGR-18.6%

Western New England Bancorp, Inc. held $37.7M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Dividends Per Share

$0.07

YoY0.0%

QoQ0.0%

5Y CAGR+7.0%

Western New England 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.

Shares Outstanding

20M

YoY-2.2%

QoQ-0.4%

5Y CAGR-3.0%

Western New England Bancorp, Inc. had 20M shares outstanding in Q2 2026. This represents a decrease of 2.2% from the same quarter a year earlier. Against the prior quarter it is down 0.4%.

Margins & Returns

Net Margin

15.8%

YoY-6.0pp

QoQ-5.6pp

5Y change-12.1pp

10Y change+11.6pp

Western New England 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.

Return on Equity

1.5%

YoY-0.5pp

QoQ-0.5pp

5Y change-1.1pp

10Y change+1.2pp

Western New England Bancorp, Inc.'s quarterly ROE was 1.5% in Q2 2026: one quarter's net income over shareholder equity, not annualized. 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.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$2.7M

YoY-3.4%

QoQ-2.1%

5Y CAGR-11.6%

Western New England 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%.

Capital Expenditures

$768K

YoY+160.3%

QoQ+4.6%

Western New England 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%.

R&D Spending

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.

WNEB quarterly income statement

Metric	TTM	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$88.2M	$82.6M+13.6%	$72.7M-7.7%	$78.8M-14.9%	$92.6M+8.0%	$85.7M+16.4%	$73.7M+8.9%	$67.7M-2.3%	$69.2M+2.0%	$67.9M+56.9%	$43.3M+18.4%	$36.5M+2.9%	$35.5M+1.5%	$35.0M-3.9%	$36.4M+6.1%	$34.3M
Interest Expense	$46.6M	$48.5M-3.0%	$50.0M+50.6%	$33.2M+396.0%	$6.7M+0.4%	$6.7M-63.8%	$18.4M-23.6%	$24.1M+27.2%	$19.0M+29.6%	$14.6M+29.8%	$11.3M+4.5%	$10.8M+8.8%	$9.9M-3.6%	$10.3M-18.7%	$12.7M-12.5%	$14.5M
Income Tax	$5.0M	$4.5M+37.4%	$3.3M-27.1%	$4.5M-48.3%	$8.7M+8.9%	$8.0M+172.9%	$2.9M-23.7%	$3.9M-18.0%	$4.7M-50.1%	$9.4M+267.0%	$2.6M+21.0%	$2.1M+12.9%	$1.9M+0.6%	$1.9M-17.1%	$2.3M+72.7%	$1.3M
Net Income	$16.8M	$15.3M+30.9%	$11.7M-22.6%	$15.1M-41.8%	$25.9M+9.2%	$23.7M+111.3%	$11.2M-16.0%	$13.3M-18.6%	$16.4M+33.2%	$12.3M+154.9%	$4.8M-15.4%	$5.7M-7.3%	$6.2M-8.8%	$6.8M+8.0%	$6.3M+6.5%	$5.9M
EPS (Basic)	N/A	$0.76+35.7%	$0.56-20.0%	$0.70-40.7%	$1.18+15.7%	$1.02+126.7%	$0.45-11.8%	$0.51-10.5%	$0.57+39.0%	$0.41+64.0%	$0.25-24.2%	$0.33-2.9%	$0.340.0%	$0.34+30.8%	$0.26+18.2%	$0.22
EPS (Diluted)	$0.84	$0.75+33.9%	$0.56-20.0%	$0.70-40.7%	$1.18+15.7%	$1.02+126.7%	$0.45-11.8%	$0.51-10.5%	$0.57+39.0%	$0.41+70.8%	$0.24-27.3%	$0.33-2.9%	$0.340.0%	$0.34+30.8%	$0.26+18.2%	$0.22
Diluted Shares (Avg)	N/A	20M-3.3%	21M-2.7%	22M-1.5%	22M-5.8%	23M-7.0%	25M-4.7%	26M-9.4%	29M-3.3%	30M+51.6%	20M+13.2%	17M-3.8%	18M-9.4%	20M-18.1%	25M-7.8%	27M

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%
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, SG&A Expenses, Operating Income, EBITDA.

WNEB Balance Sheet

WNEB quarterly balance sheet

Metric	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.7B+3.1%	$2.7B+3.5%	$2.6B+0.4%	$2.6B+0.6%	$2.5B+7.3%	$2.4B+8.5%	$2.2B+3.0%	$2.1B+1.7%	$2.1B+0.3%	$2.1B+54.9%	$1.3B+1.5%	$1.3B+3.4%	$1.3B-1.9%	$1.3B+3.0%	$1.3B
Cash & Equivalents	$40.4M-39.2%	$66.5M+130.4%	$28.8M-5.0%	$30.3M-70.7%	$103.5M+18.3%	$87.4M+253.4%	$24.7M	N/A	N/A	N/A	N/A	N/A	$19.7M+67.9%	$11.8M-44.3%	$21.1M
Short-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	$6.5M+31.2%	$4.9M-5.3%	$5.2M-87.8%	$42.5M+1046.3%	$3.7M-54.9%	$8.2M+60.9%	$5.1M+251.1%	$1.5M-85.5%	$10.0M
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%	$12.5M-9.2%	$13.7M	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.5B+3.0%	$2.4B+3.9%	$2.3B+0.1%	$2.3B+0.4%	$2.3B+8.2%	$2.1B+9.7%	$1.9B+3.6%	$1.9B+2.5%	$1.8B-0.1%	$1.8B+53.1%	$1.2B+1.9%	$1.2B+4.9%	$1.1B+0.9%	$1.1B+6.5%	$1.0B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	$57.9M-71.9%	$205.5M-1.2%	$208.0M+26.2%	$164.8M+32.0%	$124.8M-18.6%	$153.4M-34.0%	$232.5M-6.4%	$248.4M-10.9%	$278.9M+12.8%	$247.3M
Total Equity	$247.6M+5.0%	$235.9M-0.6%	$237.4M+4.1%	$228.1M+2.0%	$223.7M-1.3%	$226.6M-2.3%	$232.0M-2.1%	$237.0M-4.1%	$247.3M+3.7%	$238.4M+70.9%	$139.5M-2.2%	$142.5M-7.5%	$154.1M-18.5%	$189.2M-13.6%	$219.0M
Retained Earnings	$152.3M+6.7%	$142.7M+4.2%	$137.0M+7.0%	$128.0M+19.2%	$107.4M+21.5%	$88.4M+7.5%	$82.2M+10.9%	$74.1M+18.4%	$62.6M+21.0%	$51.7M+4.9%	$49.3M+7.9%	$45.7M+5.7%	$43.2M+2.1%	$42.4M-11.3%	$47.7M

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%
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, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

WNEB Cash Flow Statement

WNEB quarterly cash flow statement

Metric	TTM	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$19.2M	$18.2M+49.7%	$12.2M-17.6%	$14.8M-59.8%	$36.8M+27.7%	$28.8M+14.9%	$25.1M+63.0%	$15.4M-37.6%	$24.6M+30.6%	$18.9M+1928.1%	$930K-92.3%	$12.1M-2.2%	$12.3M-13.1%	$14.2M+25.6%	$11.3M-23.5%	$14.8M
Depreciation & Amortization	N/A	$2.1M-4.5%	$2.2M0.0%	$2.2M-4.3%	$2.3M0.0%	$2.3M+9.5%	$2.1M0.0%	$2.1M0.0%	$2.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Stock-Based Compensation	N/A	$1.1M-26.2%	$1.5M+3.7%	$1.4M+31.9%	$1.1M-17.8%	$1.3M+56.7%	$834K+7.9%	$773K-8.5%	$845K+30.2%	$649K+147.7%	$262K+100.0%	$131K+42.4%	$92K-63.8%	$254K-84.2%	$1.6M-17.7%	$1.9M
Capital Expenditures	$2.0M	$1.1M-10.3%	$1.2M-58.8%	$2.9M+153.9%	$1.1M-66.9%	$3.5M-3.5%	$3.6M+178.7%	$1.3M-61.4%	$3.3M+50.4%	$2.2M+48.8%	$1.5M-53.8%	$3.2M+66.2%	$1.9M+89.9%	$1.0M-9.7%	$1.1M+119.6%	$514K
Free Cash Flow	$16.9M	$17.1M+56.2%	$11.0M-7.6%	$11.9M-66.7%	$35.6M+40.6%	$25.3M+17.9%	$21.5M+52.4%	$14.1M-33.9%	$21.3M+28.0%	$16.6Mn/m	-$557K-106.3%	$8.9M-14.9%	$10.4M-21.0%	$13.2M+29.5%	$10.2M-28.7%	$14.3M
Investing Cash Flow	-$74.6M	-$113.6Mn/m	-$46.6Mn/m	-$13.7Mn/m	-$111.9Mn/m	-$162.9Mn/m	-$123.6Mn/m	-$48.1Mn/m	-$45.7Mn/m	-$56.0M-265.9%	$33.7Mn/m	-$30.9M	N/A	$15.0Mn/m	-$46.4Mn/m	-$13.3M
Financing Cash Flow	-$264K	$69.3M-3.8%	$72.0Mn/m	-$2.6M-229.1%	$2.0M-98.7%	$150.1M-6.9%	$161.2M+425.9%	$30.7M+47.6%	$20.8Mn/m	-$6.0M-127.4%	$21.9M+59.0%	$13.7M	N/A	-$21.2M-182.3%	$25.8M+221.7%	$8.0M
Dividends Paid	$5.6M	$5.7M-3.4%	$5.9M-2.5%	$6.1M+14.9%	$5.3M+12.9%	$4.7M-7.1%	$5.0M-4.5%	$5.3M+13.6%	$4.6M+29.7%	$3.6M+46.7%	$2.4M+16.3%	$2.1M-45.3%	$3.8M-34.7%	$5.9M-45.2%	$10.7M-25.1%	$14.3M
Share Buybacks	$6.6M	$6.1M-19.8%	$7.6M+51.3%	$5.0M-20.9%	$6.4M-72.7%	$23.3M+121.3%	$10.5M-45.9%	$19.5M-15.1%	$22.9M+146.1%	$9.3M+575.9%	$1.4M-64.7%	$3.9M-62.9%	$10.5M-47.7%	$20.1M-37.4%	$32.1M+230.5%	$9.7M

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%	$346Kn/m	$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%	-$388Kn/m	$6.4M+22.0%	$5.0M	$6.5M	-$1.1M	$5.2M-29.8%	N/A
Investing Cash Flow	$13.4Mn/m	-$11.9Mn/m	-$43.3Mn/m	-$32.8Mn/m	-$20.9M-1750.2%	-$16.6M-3028.1%	-$18.1Mn/m	-$30.3M-661.7%
Financing Cash Flow	-$38.5Mn/m	$27.3M-55.6%	-$6.3M-209.3%	$17.3M-63.0%	-$3.2M-111.5%	$61.5Mn/m	$5.7Mn/m	$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.

WNEB quarterly financial ratios

Metric	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	18.5%+2.4pp	16.0%-3.1pp	19.1%-8.8pp	28.0%+0.3pp	27.6%+12.4pp	15.2%-4.5pp	19.7%-4.0pp	23.7%+5.5pp	18.1%+7.0pp	11.2%-4.5pp	15.6%-1.7pp	17.3%-2.0pp	19.3%+2.1pp	17.2%+0.1pp	17.1%
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%-0.8pp	5.8%-1.2pp	6.9%+1.9pp	5.0%+2.9pp	2.0%-2.1pp	4.1%-0.2pp	4.3%-0.1pp	4.4%+1.1pp	3.3%+0.6pp	2.7%
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%-0.1pp	0.6%-0.2pp	0.8%+0.2pp	0.6%+0.4pp	0.2%-0.2pp	0.4%0.0pp	0.5%-0.1pp	0.5%+0.1pp	0.5%0.0pp	0.5%
Debt-to-Equity	N/A	N/A	N/A	N/A	N/A	0.26-0.6x	0.890.0x	0.88+0.2x	0.67+0.1x	0.52-0.6x	1.10-0.5x	1.630.0x	1.61+0.1x	1.47+0.3x	1.13
Liabilities-to-Equity	10.05-0.2x	10.25+0.4x	9.80-0.4x	10.19-0.2x	10.35+0.9x	9.44+1.0x	8.40+0.5x	7.94+0.5x	7.42-0.3x	7.71-0.9x	8.61+0.3x	8.26+1.0x	7.28+1.4x	5.88+1.1x	4.77
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.03
FCF Margin	20.8%+5.7pp	15.1%0.0pp	15.1%-23.4pp	38.5%+8.9pp	29.5%+0.4pp	29.2%+8.3pp	20.8%-10.0pp	30.8%+6.3pp	24.5%+25.8pp	-1.3%-25.5pp	24.2%-5.1pp	29.3%-8.4pp	37.6%+9.7pp	28.0%-13.6pp	41.6%

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
Liabilities-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, Debt-to-Equity.

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 England Bancorp, Inc. WNEB	FY2025	$82.6M	$15.3M	18.5%	$277.4M	38/100
Hawthorn Bancshars Inc. HWBK	FY2025	$80.2M	$23.8M	29.7%	$291.0M	41/100
LCNB Corporation LCNB	FY2025	$92.0M	$23.1M	25.1%	$280.8M	54/100
Northeast Community Bancorp, Inc. NECB	FY2025	$104.8M	$44.4M	42.4%	$396.2M	66/100
Norwood Financial Corp NWFL	FY2025	$87.9M	$27.8M	31.6%	$376.9M	38/100

Where Western New England Bancorp, Inc. Ranks

Frequently Asked Questions

What is Western New England Bancorp, Inc.'s annual revenue?

Western New England 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 England Bancorp, Inc.'s revenue growing?

Western New England Bancorp, Inc. (WNEB) revenue grew by 13.6% year-over-year, from $72.7M to $82.6M in fiscal year 2025.

Is Western New England Bancorp, Inc. profitable?

Yes, Western New England Bancorp, Inc. (WNEB) reported a net income of $16.8M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $15.3M, with a net profit margin of 18.5%.

What is Western New England Bancorp, Inc.'s net profit margin?

Western New England 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 England Bancorp, Inc. pay dividends?

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

What is Western New England Bancorp, Inc.'s return on equity (ROE)?

Western New England 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 England Bancorp, Inc.'s free cash flow?

Western New England 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 England Bancorp, Inc.'s operating cash flow?

Western New England 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 England Bancorp, Inc.'s total assets?

Western New England 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 England Bancorp, Inc.'s capital expenditures?

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

Does Western New England Bancorp, Inc. buy back shares?

Yes, Western New England 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 England Bancorp, Inc. have outstanding?

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

What is Western New England Bancorp, Inc.'s liabilities-to-equity ratio?

Western New England Bancorp, Inc. (WNEB) had a liabilities-to-equity ratio of 10.05 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is Western New England Bancorp, Inc.'s return on assets (ROA)?

Western New England 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 England Bancorp, Inc.'s P/E ratio?

Western New England Bancorp, Inc. (WNEB) trades at 16.6x earnings, its market capitalization divided by $16.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $277.4M as of Oct 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Western New England Bancorp, Inc.'s price-to-sales ratio?

Western New England Bancorp, Inc. (WNEB) trades at 3.1x sales, its market capitalization divided by $88.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $277.4M as of Oct 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Western New England Bancorp, Inc.'s Piotroski F-Score?

Western New England 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.

How financially healthy is Western New England Bancorp, Inc.?

Western New England Bancorp, Inc. (WNEB) scores 38 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average 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.