Western New England Bancorp, Inc.

WNEB

WNEBWestern New England Bancorp, Inc. US flag

NASDAQ Global Select

12.81

USD

-0.35

- -

257.80MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	34	37	38	36	38	44	68	69	68	74	86	90	80	73	83
+ Sales & Services Revenue	34	37	38	36	38	44	68	69	68	74	86	90	80	73	83
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	18	19	18	18	17	19	27	28	29	31	34	35	35	36	39
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-18	-19	-18	-18	-17	-19	-27	-28	-29	-31	-34	-35	-35	-36	-39
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-7	-9	-9	-8	-8	-7	-22	-21	-17	-14	-32	-35	-20	-15	-20
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-7	-9	-9	-8	-8	-7	-22	-21	-17	-14	-32	-35	-20	-15	-20
Pretax Income	7	9	9	8	8	7	22	21	17	14	32	35	20	15	20
- Income Tax Expense (Benefit)	1	2	2	2	2	3	9	5	4	3	8	9	5	3	5
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	6	6	7	6	6	5	12	16	13	11	24	26	15	12	15
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	6	6	7	6	6	5	12	16	13	11	24	26	15	12	15
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	6	6	7	6	6	5	12	16	13	11	24	26	15	12	15
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	6	6	7	6	6	5	12	16	13	11	24	26	15	12	15
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	2	2	2	2	3	3	3	3	3	2
EBITDA Margin (%)	3.26	2.8	2.87	3.35	3.47	3.4	3.45	3.51	3.63	3.42	3.14	2.99	3.24	3.58	3.01
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	17.1	16.7	17.6	17.34	15.1	10.94	18.15	23.7	19.72	15.22	27.64	28.84	18.85	16.04	18.48
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.54	0.44	0.29	0.21	0.12	0.12	0.12	0.16	0.2	0.2	0.2	0.24	0.28	0.28	0.28
Depreciation Expense	1	1	1	1	1	2	2	2	2	3	3	3	3	3	2
Basic Weighted Avg Shares	26	25	20	18	17	20	30	29	26	25	23	22	22	21	20
Basic EPS, GAAP	0.22	0.26	0.34	0.34	0.33	0.25	0.41	0.57	0.51	0.45	1.02	1.18	0.7	0.56	0.76
Basic EPS from Cont Ops	0.22	0.26	0.34	0.34	0.33	0.25	0.41	0.57	0.51	0.45	1.02	1.18	0.7	0.56	0.76
Diluted Weighted Avg Shares	27	25	20	18	17	20	30	29	26	25	23	22	22	21	20
Diluted EPS, GAAP	0.22	0.26	0.34	0.34	0.33	0.24	0.41	0.57	0.51	0.45	1.02	1.18	0.7	0.56	0.75
Diluted EPS from Cont Ops	0.22	0.26	0.34	0.34	0.33	0.24	0.41	0.57	0.51	0.45	1.02	1.18	0.7	0.56	0.75

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	639	633	262	234	196	366	315	279	251	286	293	176	163	218	43
+ Cash & Cash Equivalents	21	11	19	19	14	66	27	26	23	84	99	29	26	57	38
+ ST Investments	618	622	243	216	183	300	288	254	228	202	194	147	137	161	5
+ Accounts & Notes Receiv	4	5	4	4	4	6	6	6	5	8	8	8	9	8	9
+ Accounts Receivable, Net	4	5	4	4	4	6	6	6	5	8	8	8	9	8	9
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-643	-637	-267	-238	-200	-372	-321	-285	-256	-295	-301	-184	-171	-226	-52
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	11	11	11	12	14	21	24	25	24	25	26	25	26	24	23
+ Property, Plant & Equip	25	26	27	29	32	41	46	49	50	54	57	58	61	62	63
- Accumulated Depreciation	14	15	16	18	19	20	22	24	26	29	31	33	36	38	40
+ LT Investments & Receivables	618	622	538	494	421	300	288	260	234	214	429	383	361	366	365
+ LT Investments	618	622	538	494	421	300	288	260	234	214	429	383	361	366	365
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-629	-633	-549	-506	-434	-321	-312	-285	-258	-239	-455	-408	-386	-391	-389
+ Total Intangible Assets	- -	- -	- -	- -	- -	18	17	16	16	15	15	15	14	14	14
+ Goodwill	- -	- -	- -	- -	- -	14	12	12	12	12	12	12	12	12	12
+ Other Intangible Assets	- -	- -	- -	- -	- -	4	4	4	3	3	3	2	2	1	1
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-629	-633	-549	-506	-434	-339	-328	-301	-274	-254	-470	-423	-401	-404	-402
Total Assets	1,263	1,301	1,277	1,320	1,340	2,076	2,083	2,119	2,181	2,366	2,538	2,553	2,565	2,653	2,736
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	53	70	48	94	128	172	145	59	35	- -	- -	41	16	5	13
+ ST Borrowings	53	70	48	94	128	172	145	59	35	- -	- -	41	16	5	13
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-53	-70	-48	-94	-128	-172	-145	-59	-35	- -	- -	-41	-16	-5	-13
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-53	-70	-48	-94	-128	-172	-145	-59	-35	- -	- -	-41	-16	-5	-13
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	247	279	248	232	153	125	165	208	206	58	22	21	140	118	93
+ LT Borrowings	247	279	248	232	153	125	165	208	206	58	22	21	140	118	93
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-247	-279	-248	-232	-153	-125	-165	-208	-206	-58	-22	-21	-140	-118	-93
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-247	-279	-248	-232	-153	-125	-165	-208	-206	-58	-22	-21	-140	-118	-93
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	1,044	1,112	1,123	1,178	1,200	1,838	1,836	1,882	1,949	2,139	2,315	2,325	2,327	2,417	2,489
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	174	145	122	112	108	206	204	182	165	155	133	129	126	120	115
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	174	145	122	112	108	206	204	182	164	155	133	129	125	119	115
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	48	42	43	46	49	52	63	74	82	88	107	128	137	143	152
+ Other Equity	8	11	-3	-7	-11	-13	-13	-13	-9	-11	-12	-25	-22	-23	-17
Equity Before Minority Interest	219	189	154	143	139	238	247	237	232	227	224	228	237	236	248
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	219	189	154	143	139	238	247	237	232	227	224	228	237	236	248
Total Liabilities & Equity	1,263	1,301	1,277	1,320	1,340	2,076	2,083	2,119	2,181	2,366	2,538	2,553	2,565	2,653	2,736
Shares Outstanding	27	23	20	19	18	30	30	28	27	25	23	22	22	21	20
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	279	337	277	308	268	231	283	242	217	-27	-76	34	131	66	68
Net Debt to Equity	127.56	178.39	179.93	216.05	192.28	97.04	114.29	101.98	93.7	-11.74	-34.1	14.69	55.01	27.96	27.43
Tangible Common Equity Ratio	17.34	14.54	12.07	10.8	10.41	10.7	11.17	10.5	9.98	8.99	8.27	8.41	8.75	8.41	8.6
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	6	6	7	6	6	5	12	16	13	11	24	26	15	12	15
+ Depreciation & Amortization	1	1	1	1	1	2	2	2	2	3	3	3	3	3	2
+ Non-Cash Items	6	5	5	5	5	3	9	2	4	5	3	5	2	1	1
+ Stock-Based Compensation	3	2	1	1	1	1	2	2	2	1	2	2	2	2	2
+ Deferred Income Taxes	- -	- -	1	- -	- -	- -	7	-1	-1	-2	1	1	- -	- -	-1
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	3	2	3	5	5	2	- -	1	3	6	- -	2	- -	-1	- -
+ Chg in Non-Cash Work Cap	2	-1	1	- -	- -	-9	-5	4	-5	6	-1	4	-5	-3	- -
+ (Inc) Dec in Accts Receiv	- -	-1	- -	- -	- -	- -	- -	- -	- -	-3	1	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	2	- -	1	- -	- -	-8	-5	3	-5	9	-1	4	-5	-3	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	15	11	14	12	12	1	19	25	15	25	29	37	15	12	18
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-1	-2	-3	-1	-2	-3	-1	-4	-3	-1	-3	-1	-1
+ Acq of Fixed Prod Assets	-1	-1	-1	-2	-3	-1	-2	-3	-1	-4	-3	-1	-3	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-9	-31	-20	-11	-4	1	-4	-23	-19	-11	-23	-6	-5	-8	-6
+ Increase in Capital Stock	- -	1	- -	- -	- -	2	5	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	-10	-32	-20	-11	-4	-1	-9	-23	-19	-11	-23	-6	-5	-8	-6
+ Net Change in LT Investment	36	-1	58	44	66	116	9	21	33	22	-223	15	24	- -	- -
+ Dec in LT Investment	293	375	274	110	210	203	76	38	108	181	74	48	32	34	32
+ Inc in LT Investment	-257	-375	-216	-67	-144	-87	-67	-17	-75	-159	-297	-33	-8	-34	-32
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-48	-45	-42	-87	-94	-80	-63	-63	-80	-142	63	-126	-35	-45	-113
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-13	-46	15	-45	-31	34	-56	-46	-48	-124	-163	-112	-14	-47	-114
+ Dividends Paid	-14	-11	-6	-4	-2	-2	-4	-5	-5	-5	-5	-5	-6	-6	-6
+ Net Cash From Debt	9	30	-34	-17	-81	-88	40	43	-2	-149	-35	-1	119	-23	-25
+ Cash From Debt	14	119	32	5	- -	2	61	113	82	59	20	- -	120	98	- -
+ Repayments of Debt	-5	-89	-67	-22	-81	-90	-21	-70	-85	-208	-55	-1	-1	-121	-25
+ Other Financing Activities	23	38	39	63	101	111	-39	5	58	325	213	15	-111	108	106
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	8	26	-21	32	14	22	-6	21	31	161	150	2	-3	72	69
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	9	-9	8	-1	-5	57	-43	- -	-2	63	16	-73	-2	38	-26
EBITDA	1	1	1	1	1	2	2	2	2	3	3	3	3	3	2
EBITDA Margin (%)	3.26	2.8	2.87	3.35	3.47	3.4	3.45	3.51	3.63	3.42	3.14	2.99	3.24	3.58	3.01
Free Cash Flow	14	10	13	10	9	-1	17	21	14	21	25	36	12	11	17
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	14	10	13	10	9	-1	17	21	14	21	25	36	12	11	17
Free Cash Flow to Equity	23	40	-21	-6	-72	-88	57	65	12	-127	-10	34	131	-12	-8
Free Cash Flow per Basic Share	0.54	0.42	0.66	0.57	0.51	-0.03	0.56	0.74	0.54	0.86	1.09	1.63	0.55	0.53	0.85
Price/Free Cash Flow	8.86	10.47	7.52	7.36	7.69	62.18	12.77	8.7	12.96	5.31	5.71	5.07	10.61	14.47	13.3
Cash Flow to Net Income	2.52	1.81	2.1	2	2.11	0.19	1.53	1.5	1.15	2.24	1.21	1.42	0.98	1.04	1.19
Capital Expenditures	-1	-1	-1	-2	-3	-1	-2	-3	-1	-4	-3	-1	-3	-1	-1