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Western New England Bancorp, Inc.
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
None of the investors we track reported a position in WNEB.
▲ +43.6% over 5Y.
today you would have $1,902.45▲ +90.2%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $12.62 | $9.20 | $9.00 | $9.46 | $8.76 | $6.89 | $9.63 | $10.04 | $10.90 | $9.35 | $8.40 | $7.34 | $7.46 | $7.23 | $7.36 | $9.25 | $8.25 | |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings growing 10.8% a year plus a 2.0% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Median P/E of 13.4 among peers in the sector.
Median P/E of 21.6 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow growing 10.8% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| CEPOCantor Equity Partners I, Inc. | $10.77 | — | — | — | — | $274.64M |
| KINSKingstone Companies Inc | $19.03 | 7.7x | 2.1x | 1.26% | 31.51% | $275.48M |
| KFIIUK&f Growth Acquisition Corp II | $10.69 | — | — | — | — | $276.11M |
| SBXDSilverBox Corp IV | $10.85 |
Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides various commercial and retail banking products and services to individuals and companies. It offers various deposit products, including commercial, small business, nonprofit and municipal checking, money market, sweep accounts, time deposits, interest-bearing and noninterest-bearing checking, and individual retirement accounts, as well as certificates of deposit. The company also originates and funds commercial and residential real estate loans, including first mortgages, home equity loans, and home equity lines, and secured by one-to-four family residential properties; home equity revolving loans and lines of credit; consumer loans, including automobile, spa and pool, collateral, and personal lines of credit; commercial and industrial loans, such as letters of credit, revolving lines of credit, working capital, equipment financing, and term loans; and construction and land development loans. In addition, it provides automated teller machine (ATM), telephone and online banking, remote deposit capture, cash management, overdraft and safe deposit facility, and night deposit services. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. The company was founded in 1853 and is headquartered in Westfield, Massachusetts.
Company description provided by Yahoo Finance.
| P/E |
| 21.6x |
| 16.8x |
| 16.4x |
| 12.9x |
| 8.0x |
| 8.6x |
| 15.3x |
| 18.9x |
| 17.6x |
| 26.6x |
| 39.0x |
| 25.5x |
| 21.6x |
| 21.9x |
| 27.8x |
| 33.5x |
| 84.1x |
| 45.8x |
| P/S | 3.9x | 3.1x | 2.6x | 2.5x | 2.3x | 2.3x | 2.3x | 3.7x | 4.0x | 4.9x | 6.6x | 4.2x | 3.9x | 4.3x | 3.9x | 5.7x | 7.1x | 6.8x |
| P/B | 1.0x | 1.0x | 0.8x | 0.8x | 0.9x | 0.9x | 0.8x | 1.1x | 1.2x | 1.3x | 1.2x | 1.1x | 1.0x | 1.0x | 0.8x | 0.9x | 1.2x | 1.0x |
| EPS | $0.75 | $0.56 | $0.70 | $1.18 | $1.02 | $0.45 | $0.51 | $0.57 | $0.41 | $0.24 | $0.33 | $0.34 | $0.34 | $0.26 | $0.22 | $0.11 | $0.18 |
| Dividend yield | 2.86% | 2.22% | 3.04% | 3.11% | 2.54% | 2.28% | 2.90% | 2.08% | 1.59% | 1.10% | 1.28% | 1.43% | 2.86% | 3.89% | 6.09% | 7.34% | 5.62% | 6.06% |
| Payout | 44.44% | 37.33% | 50.00% | 40.00% | 20.34% | 19.61% | 44.44% | 39.22% | 28.07% | 29.27% | 50.00% | 36.36% | 61.76% | 85.29% | 169.23% | 245.45% | 472.73% | 277.78% |
| Profit margin | 17.34% | 18.48% | 16.04% | 19.12% | 27.97% | 27.64% | 15.22% | 19.72% | 23.70% | 18.15% | 11.17% | 15.64% | 17.34% | 19.30% | 17.17% | 17.10% | 8.17% | 15.28% |
| ROE | 4.95% | 6.17% | 4.95% | 6.35% | 11.35% | 10.59% | 4.95% | 5.75% | 6.92% | 4.98% | 2.03% | 4.10% | 4.32% | 4.38% | 3.31% | 2.68% | 1.36% | 2.21% |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
Dividend growing 6.3% a year against a 7.8% required return, taken from the stock’s beta. The only method anchored on what the company pays rather than what it reports.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
6 methods answered, across 3 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
+25.1% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| 51.7x |
| — |
| — |
| — |
| $276.19M |
| XSLLXsolla SPAC 1 | $9.99 | — | 175.3x | — | — | $276.52M |
| MUZEMuzero Acquisition Corp | $10.00 | — | — | — | — | $273.2M |