WNEB Financials Western New England Bancorp, Inc.

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated 41 d ago Overview →

Growth & profitability

Revenue has grown 37.0% per year over the past 5 years.
Net income has grown slower than revenue (6.4% vs 37.0% per year).
Free cash flow has declined 4.4% per year over the past 5 years.

Financial health

Total debt ($106M) exceeds cash ($40M); net debt is $66M.
Total debt has grown slower than revenue (12.9% vs 37.0% per year).

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 37.4% of earnings and 33.3% of free cash flow.
The dividend has grown 2.5% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	—	$15M	—	—	6.2%	0.6%	$17M	$106M	$40M
2024	—	$12M	—	—	4.9%	0.4%	$11M	$123M	$66M
2023	—	$15M	—	—	6.3%	0.6%	$12M	$156M	$29M
2022	—	$26M	—	—	11.3%	1.0%	$36M	—	$30M
2021	—	$24M	—	—	10.6%	0.9%	$25M	—	$103M
2020	$44000	$11M	0.0%	0.0%	4.9%	0.5%	$21M	$58M	$87M
2019	$67000	$13M	0.0%	0.0%	5.8%	0.6%	$14M	$241M	$25M
2018	$89000	$16M	0.0%	0.0%	6.9%	0.8%	$21M	$267M	—
2017	$63000	$12M	0.0%	0.0%	5.0%	0.6%	$17M	$309M	—
2016	$12500	$5M	0.0%	0.0%	2.0%	0.2%	-$557000	$297M	—
2015	—	$6M	—	—	4.1%	0.4%	$9M	$282M	—
2014	—	$6M	—	—	4.3%	0.5%	—	$326M	—
2013	—	$7M	—	—	4.4%	0.5%	$13M	$297M	—
2012	—	$6M	—	—	3.3%	0.5%	$10M	$349M	—
2011	—	$6M	—	—	2.7%	0.5%	$14M	$300M	—

Net income

Return on equity & assets (ROE / ROA)

ROEROA

Shareholders' equity (book value)

Equity

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	—	$4M	—	—	1.4%	0.1%	$6M	$63M	$38M
Mar '26	—	$5M	—	—	1.9%	0.2%	-$388000	$117M	$56M
Dec '25	—	$5M	—	—	2.1%	0.2%	$6M	$106M	$40M
Sep '25	—	$3M	—	—	1.3%	0.1%	—	$121M	$83M
Jun '25	—	$5M	—	—	1.9%	0.2%	$7M	$122M	$93M
Mar '25	—	$2M	—	—	1.0%	0.1%	-$1M	$122M	$111M
Dec '24	—	$3M	—	—	1.4%	0.1%	$5M	$123M	$66M
Sep '24	—	$2M	—	—	0.8%	0.1%	—	$152M	$73M
Jun '24	—	$4M	—	—	1.5%	0.1%	—	$155M	$53M
Mar '24	—	$3M	—	—	1.3%	0.1%	—	—	$23M
Dec '23	—	$3M	—	—	1.1%	0.1%	$7M	$156M	$29M
Sep '23	—	$4M	—	—	1.9%	0.2%	$7M	—	$62M
Jun '23	—	$3M	—	—	1.2%	0.1%	—	—	$32M
Mar '23	—	$5M	—	—	2.3%	0.2%	—	—	$23M
Dec '22	—	$9M	—	—	4.0%	0.4%	$16M	—	$30M
Sep '22	—	$6M	—	—	2.8%	0.2%	$11M	—	$27M
Jun '22	—	$6M	—	—	2.6%	0.2%	$1M	—	$48M
Mar '22	—	$5M	—	—	2.4%	0.2%	$7M	—	$63M
Dec '21	—	$6M	—	—	2.8%	0.2%	$7M	—	$103M
Sep '21	—	$6M	—	—	2.8%	0.2%	$4M	—	$148M

Valuation over time

How the market has priced WNEB against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 6.4× (Mar '23) to 18.0× (Sep '26).
The dividend yield has fallen from 3.2% (Mar '23) to 2.1% (Sep '26).

Price / earnings (P/E)

P/E

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is WNEB growing its revenue and profit?

Over the past 5 years, Western New England Bancorp, Inc.'s revenue has grown 37.0% per year, and net income grown 6.4% per year. These are computed facts, not advice.

How much debt does WNEB have?

As of FY2025, Western New England Bancorp, Inc. reported $106M of total debt against $40M of cash.

What is WNEB's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is WNEB's P/E ratio?

As of Sep '26, Western New England Bancorp, Inc. traded at a price-to-earnings ratio of about 18.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.