Western New England Bancorp (WNEB) Key Ratios
$13.77
As on 11-Sep-2026 16:00EDT
Market cap
$278 Mln
Revenue (TTM)
$106 Mln
P/E Ratio
16.5
P/B Ratio
1.1
Div. Yield
2 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | -80.91 | -80.11 | -16.56 | 0.11 | 2.98 |
| EBIT | -200.00 | -202.71 | -34.91 | -30.42 | -15.78 |
| Net Profit | -24.68 | -21.61 | 38.61 | -10.16 | -2.03 |
| EPS | -24.36 | -20.30 | 41.56 | -7.81 | 1.83 |
| Book Value | -- | -- | 7.54 | 5.33 | -33.35 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 15.47 | 23.13 | 9.70 | 14.87 | 12.19 |
| Net Margin
| -- | -- | 15.74 | -- | -- |
| Return on equity
| 5.91 | 6.21 | 6.76 | 6.32 | 4.93 |
| Return on Capital
| 3.93 | 4.65 | -- | 4.28 | 3.10 |
| Return on Assets
| 0.53 | 0.72 | 0.60 | 0.57 | 0.45 |
| Debt to Equity (x)
| -- | -- | 0.00 | 0.43 | 0.52 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
--
|
4.28
|
3.10
|
4.40
|
9.65
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
6.76
Lower than Peers by 3.19
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
6.76
|
6.32
|
4.93
|
6.47
|
11.46
|
|
Peer Median
|
9.95
|
--
|
--
|
--
|
--
|
ROA
0.60
Lower than Peers by 0.38
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
0.60
|
0.57
|
0.45
|
0.59
|
1.02
|
|
Peer Median
|
0.98
|
--
|
--
|
--
|
--
|
EBIT Margin
9.70
Lower than Peers by 11.50
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
9.70
|
14.87
|
12.19
|
19.37
|
34.89
|
|
Peer Median
|
21.20
|
--
|
--
|
--
|
--
|
Net Margin
15.74
Lower than Peers by 4.79
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
15.74
|
11.76
|
9.50
|
14.90
|
26.08
|
|
Peer Median
|
20.53
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
-16.56
Lower than Peers by 27.48
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
-16.56
|
0.06
|
0.21
|
0.02
|
0.07
|
|
Peer Median
|
10.92
|
--
|
--
|
--
|
--
|
EBIT Growth
-34.91
Lower than Peers by 23.37
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
-34.91
|
29.07
|
-23.63
|
-43.45
|
9.16
|
|
Peer Median
|
-11.54
|
--
|
--
|
--
|
--
|
Net Profit Growth
38.61
Higher than Peers by 32.02
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
38.61
|
30.88
|
-22.58
|
-41.79
|
9.23
|
|
Peer Median
|
6.59
|
--
|
--
|
--
|
--
|
EPS Growth
41.56
Higher than Peers by 36.25
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
41.56
|
0.34
|
-0.20
|
-0.41
|
0.12
|
|
Peer Median
|
5.32
|
--
|
--
|
--
|
--
|
Book Value Growth
5.43
Lower than Peers by 3.39
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
5.43
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.82
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
--
--
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
--
|
0.43
|
0.52
|
0.66
|
0.27
|
|
Peer Median
|
0.20
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.07
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
0.07
|
0.05
|
0.02
|
0.07
|
0.18
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
1.62
Higher than Peers by 1.33
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
1.62
|
0.02
|
0.10
|
0.08
|
0.08
|
|
Peer Median
|
0.28
|
--
|
--
|
--
|
--
|
Quick Ratio
1.62
Higher than Peers by 1.28
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
1.62
|
--
|
--
|
0.10
|
--
|
|
Peer Median
|
0.34
|
--
|
--
|
--
|
--
|
Interest Coverage
1.47
Lower than Peers by 0.31
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
1.47
|
0.40
|
0.30
|
0.59
|
5.17
|
|
Peer Median
|
1.78
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
8.46
Higher than Peers by 1.43
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
8.46
|
6.77
|
6.90
|
8.43
|
8.20
|
|
Peer Median
|
7.03
|
--
|
--
|
--
|
--
|
Asset Turnover
0.04
Lower than Peers by 0.01
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
0.04
|
0.05
|
0.05
|
0.04
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
--
|
24.27
|
25.29
|
30.10
|
29.28
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
--
|
--
|
-276.57
|
-400.48
|
-5,493.12
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
--
|
--
|
1.04
|
11,947.35
|
110,640.43
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
--
|
--
|
-252.32
|
-12,317.72
|
-116,104.27
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
16.54
Higher than Peers by 3.64
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
16.54
|
16.70
|
16.33
|
12.78
|
7.95
|
|
Peer Median
|
12.90
|
--
|
--
|
--
|
--
|
Price / Book Value
1.11
Lower than Peers by 0.22
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
1.11
|
1.03
|
0.81
|
0.81
|
0.90
|
|
Peer Median
|
1.33
|
--
|
--
|
--
|
--
|
Dividend Yield
2.04
Lower than Peers by 0.38
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
2.04
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.42
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
--
|
15.00
|
5.45
|
9.50
|
2.47
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
278
Lower than Peers by 13
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Western New England Bancorp (WNEB)
|
278
|
--
|
--
|
--
|
--
|
|
Peer Median
|
292
|
--
|
--
|
--
|
--
|