Western New England Bancorp Inc. Common Stock (WNEB)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a bank, Western New England Bancorp should be judged on returns on equity, price-to-book, earnings consistency, and credit risk, not on free cash flow. At the 2026-10-13 close of $13.59, FairStock calculates a P/E of 16.37, P/B of 1.10, ROE of 6.87%, and ROCE of 0.62%. A 6.87% ROE is modest for a bank, and paying 1.10 times book for it is not a classic bargain; it looks closer to fair. The earnings record is uneven. In fiscal 2023, the year ended 2023-12-31, net income was $15.1M and diluted EPS was $0.70. In fiscal 2024, the year ended 2024-12-31, net income was $11.7M and diluted EPS was $0.56. In fiscal 2025, the year ended 2025-12-31, net income was $15.3M and diluted EPS was $0.75. More recently, fiscal Q1 2026, the quarter ended 2026-03-31, earned $4.8M and $0.24 per diluted share, while fiscal Q2 2026, the quarter ended 2026-06-30, earned $3.6M and $0.18. That sequential decline deserves attention. The FairStock Lynch category is Slow Grower, based on 6.4% annual profit growth over five years, which fits the choppy record. Piotroski 6/9 and beta 0.77 suggest neither a broken balance sheet nor a highly volatile stock, and the 2.06% dividend yield is helpful but not a margin of safety by itself. The low PEG of 0.15 is a FairStock calculation, but I would not lean on it because it may reflect a rebound from weak prior profits. FairStock score 55/100 captures the middling picture. My main gap is credit: CET1, net interest margin, nonperforming loans, reserves, charge-offs, and combined ratio are not in the data, and D/E is N/A. Without those, I cannot confirm underwriting quality. This looks like a fair-to-slightly-full small bank, not an obvious bargain.

In plain English: Western New England Bancorp is the parent of Westfield Bank, a small regional bank that takes deposits and makes loans to people and businesses in its area. Profits have moved up and down and the bank earns a modest return on its equity, so the business looks average rather than outstanding. At the recent price, it sells for a small premium to its accounting book value, which makes it look roughly fairly priced rather than a clear bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K/A (period ended 2025-12-31) · FY2024 10-K/A (period ended 2024-12-31) · FY2023 10-K/A (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer