Western New England Bancorp, Inc.
Western New England Bancorp, Inc. Fundamental Analysis
Western New England Bancorp, Inc. (WNEB) shows moderate financial fundamentals with a PE ratio of 15.72, profit margin of 13.76%, and ROE of 7.25%. The company generates $0.1B in annual revenue with moderate year-over-year growth of 5.77%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 50.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze WNEB's fundamental strength across five key dimensions:
Efficiency Score
WeakWNEB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentWNEB trades at attractive valuation levels.
Growth Score
ExcellentWNEB delivers strong and consistent growth momentum.
Financial Health Score
ExcellentWNEB maintains a strong and stable balance sheet.
Profitability Score
WeakWNEB struggles to sustain strong margins.
Key Financial Metrics
Is WNEB Expensive or Cheap?
P/E Ratio
WNEB trades at 15.72 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, WNEB's PEG of 0.23 indicates potential undervaluation.
Price to Book
The market values Western New England Bancorp, Inc. at 1.12 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.76 times EBITDA. This signals the market has high growth expectations.
How Well Does WNEB Make Money?
Net Profit Margin
For every $100 in sales, Western New England Bancorp, Inc. keeps $13.76 as profit after all expenses.
Operating Margin
Core operations generate 12.67 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.25 in profit for every $100 of shareholder equity.
ROA
Western New England Bancorp, Inc. generates $0.64 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Western New England Bancorp, Inc. produces operating cash flow of $18.45M, showing steady but balanced cash generation.
Free Cash Flow
Western New England Bancorp, Inc. generates strong free cash flow of $17.88M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.88 in free cash annually.
FCF Yield
WNEB converts 6.22% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.72
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.23
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.12
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.19
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.39
vs 25 benchmark
Current Ratio
Current assets to current liabilities
9.63
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How WNEB Stacks Against Its Sector Peers
| Metric | WNEB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.72 | 18.99 | Better (Cheaper) |
| ROE | 7.25% | 824.00% | Weak |
| Net Margin | 13.76% | 1603.00% | Weak |
| Debt/Equity | 0.39 | 0.99 | Strong (Low Leverage) |
| Current Ratio | 9.63 | 621.71 | Strong Liquidity |
| ROA | 0.64% | -24664.00% (disorted) | Weak |
WNEB outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Western New England Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
75.96%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
69.99%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-9.28%
Industry Style: Value, Dividend, Cyclical
Declining