profit from every $100 of sales.
$0$100
Western New England Bancorp
$13.60+0.59% today
+15.3% in 1 year
1-year low $11.381-year high $14.81
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $17.66 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Western New England Bancorp sold, what it kept, and what it did with the cash.
Sales went from $89.8 million in 2022 to $82.6 million in 2025, with $15.3 million of profit last year.
SalesProfit
Western New England Bancorp handed back 69% of the cash it generated last year.
Buybacks $6M$6M
Free cash flow 2025$17M
Bought back its own shares$6M
Paid as dividends$6M
Cash vs. debt$38M vs. $106M
Western New England Bancorp vs. similar companies
Western New England Bancorp grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Western New England Bancorp | 17.7× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Western New England Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 90 | 80 | 73 | 83 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 26 | 15 | 12 | 15 | |
| 1.18 | 0.70 | 0.56 | 0.75 | |
| – | – | – | – | |
| – | – | – | – | |
| 28.8% | 18.8% | 16.0% | 18.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,553 | 2,565 | 2,653 | 2,736 |
| Cash | 29 | 26 | 57 | 38 |
| Total debt | 62 | 156 | 123 | 106 |
| Total liabilities | 2,325 | 2,327 | 2,417 | 2,489 |
| 228 | 237 | 236 | 248 | |
| 22 | 22 | 21 | 20 | |
| – | – | – | – | |
| 11.3% | 6.3% | 4.9% | 6.2% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 37 | 15 | 12 | 18 | |
| 1 | 3 | 1 | 1 | |
| 36 | 12 | 11 | 17 | |
| Dividends paid | 5 | 6 | 6 | 6 |
| 6 | 5 | 8 | 6 | |
| 2 | 2 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 17.7×
- 13.8×
- –
- 1.1×
- 3.3×
- 5.7%
- 2.1%
Profitability
- 18.5%
- 0.6%
- 6.0%
- 7.3%
- 0.6%
Growth
- −2.7%
- −14.0%
- +7.0%
- −3.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 20%of 847
Bottom 35%of 728
Bottom 32%of 880
Bottom 16%of 878
Top 49%of 932
What analysts expect
- Average price target
- $15.50
- Range
- $15.00 – $16.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 0.24 | 0.21 | +14.3% |
| Jan 27, 2026 | 0.26 | 0.21 | +23.8% |
| Oct 28, 2025 | 0.16 | 0.19 | −15.8% |
| Jul 22, 2025 | 0.23 | 0.14 | +64.3% |
| Apr 22, 2025 | 0.11 | 0.12 | −8.3% |
| Mar 10, 2025 | 0.16 | – | – |
| Oct 23, 2024 | 0.09 | 0.10 | −10.0% |
| Jul 23, 2024 | 0.17 | 0.11 | +54.5% |
2.1%of the share price, paid each year
On $1,000 invested$21a year at today's yield, before tax
+7.0%2020 to 2025
Raised–not every year
Paid per share, each year
$0.12 in 2015 → $0.28 in 2025
How safe it looks
37.4% of its profit
Room to growStretchedMore than it earns: 33.3%
News
Western Union purchase of Intermex gets conditional California approvalSeeking Alpha · Nov 11, 2026Western Forest Products reports Q3 resultsSeeking Alpha · Nov 6, 2026What Did Western Digital's Latest Quarter Change For Its Stock?Yahoo Finance · Oct 28, 2026Western Digital, Allegro MicroSystems, Amtech, and Teradyne shares skyrocket, what you need to knowYahoo Finance · Oct 27, 2026Western New England GAAP EPS of $0.32 beats by $0.06, revenue of $23.9M beats by $2.84MSeeking Alpha · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
50No pass
Benjamin Graham
71Pass
Philip Fisher
51No pass
Peter Lynch
27No pass
Joel Greenblatt
13No pass
Charlie Munger
48No pass
Terry Smith
43No pass
Questions about Western New England Bancorp
Is Western New England Bancorp a good stock to buy?
A solid business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Western New England Bancorp AI analysis
What does Western New England Bancorp do?
Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides a range of commercial and retail banking products and services to individuals and businesses. It is in Banks - Regional.
Does Western New England Bancorp pay a dividend?
Yes. At today's price the dividend is 2.1% a year, about 37% of its yearly profit. In 2025 it paid out $5.71 million in dividends.
Is Western New England Bancorp stock halal?
No. Western New England Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Western New England Bancorp stock done over the past year?
Up 15.3% over the past twelve months, to $13.60. It traded between $11.38 and $14.81 and is 8.2% below its high.
Who are Western New England Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Western New England Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.