Western New England Bancorp, Inc. - Understand $wneb stock

$WNEB Market Cap: $197.9 Million

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Financial Snapshot

Revenue

$108.0M

TTM

Gross Margin

Net Earnings

$10.89M

TTM

Current Assets

Current Liabilities

$9.300M

Q3 2024

Current Ratio

Total Assets

$2.640B

Q3 2024

Total Liabilities

$2.400B

Q3 2024

Book Value

$240.7M

Q3 2024

Cash

$72.80M

Q3 2024

P/E

18.17

Nov 29, 2024 EST

Free Cash Flow

$12.03M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Revenue	$101.1M	$85.93M	$79.85M	$82.88M							$41.03M	$43.10M	$45.01M	$46.15M
YoY Change	17.68%	7.61%	-3.65%								-4.81%	-4.22%	-2.47%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2013	2012	2011	2010
Revenue	$101.1M	$85.93M	$79.85M	$82.88M	$41.03M	$43.10M	$45.01M	$46.15M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development											$2.340M	$2.106M	$1.917M	$1.940M
YoY Change											11.11%	9.86%	-1.19%
% of Gross Profit
Depreciation & Amortization	$2.594M	$2.687M	$2.690M	$2.530M	$2.460M	$2.440M	$2.350M	$1.500M	$1.320M	$1.190M	$1.100M	$1.050M	$1.120M	$1.260M	$1.250M	$1.180M	$1.100M	$1.030M	$950.0K	$1.000M	$1.080M	$1.050M	$1.100M	$730.0K	$600.0K
YoY Change	-3.46%	-0.11%	6.32%	2.85%	0.82%	3.83%	56.67%	13.64%	10.92%	8.18%	4.76%	-6.25%	-11.11%	0.8%	5.93%	7.27%	6.8%	8.42%	-5.0%	-7.41%	2.86%	-4.55%	50.68%	21.67%	-35.48%
% of Gross Profit
Operating Expenses											$2.340M	$2.106M	$1.917M	$1.940M
YoY Change											11.11%	9.86%	-1.19%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2013	2012	2011	2010
Interest Expense	$33.21M	$6.696M	$6.672M	$18.45M	$10.29M	$12.66M	$14.47M	$16.77M
YoY Change	395.95%	0.36%	-63.83%		-18.74%	-12.47%	-13.71%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Pretax Income	$19.58M	$34.63M	$31.72M	$14.16M	$17.20M	$21.11M	$21.75M	$7.400M	$7.840M	$8.040M	$8.627M	$8.510M	$7.180M	$3.040M	$6.730M	$8.490M	$12.51M	$6.180M	$8.150M	$8.890M	$6.470M	$6.280M	$7.530M	$9.270M	$8.430M
YoY Change	-43.45%	9.17%	124.01%	-17.67%	-18.52%	-2.94%	193.92%	-5.61%	-2.49%	-6.8%	1.37%	18.52%	136.18%	-54.83%	-20.73%	-32.13%	102.43%	-24.17%	-8.32%	37.4%	3.03%	-16.6%	-18.77%	9.96%	3.18%
Income Tax	$4.516M	$8.742M	$8.030M	$2.940M	$3.850M	$4.700M	$5.430M	$2.570M	$2.120M	$1.880M	$1.871M	$2.256M	$1.306M	$34.00K	$1.270M	$1.800M	$3.810M	$1.520M	$1.930M	$2.560M	$2.820M	$2.240M	$2.510M	$3.190M	$2.900M
% Of Pretax Income	23.06%	25.24%	25.32%	20.76%	22.38%	22.26%	24.97%	34.73%	27.04%	23.38%	21.69%	26.51%	18.19%	1.12%	18.87%	21.2%	30.46%	24.6%	23.68%	28.8%	43.59%	35.67%	33.33%	34.41%	34.4%
Net Earnings	$15.07M	$25.89M	$23.70M	$11.22M	$13.35M	$16.41M	$12.32M	$4.830M	$5.720M	$6.160M	$6.756M	$6.254M	$5.874M	$3.006M	$5.460M	$6.690M	$8.700M	$4.650M	$6.220M	$6.320M	$3.650M	$4.040M	$5.020M	$6.080M	$5.530M
YoY Change	-41.79%	9.23%	111.23%	-15.96%	-18.65%	33.2%	155.07%	-15.56%	-7.14%	-8.82%	8.03%	6.47%	95.41%	-44.95%	-18.39%	-23.1%	87.1%	-25.24%	-1.58%	73.15%	-9.65%	-19.52%	-17.43%	9.95%	8.22%
Net Earnings / Revenue	14.9%	30.13%	29.68%	13.54%							16.47%	14.51%	13.05%	6.51%
Basic Earnings Per Share	$0.70	$1.18	$1.02	$0.45							$0.34	$0.26	$0.22	$0.11
Diluted Earnings Per Share	$0.70	$1.180M	$1.017M	$447.7K	$507.6K	$565.3K	$410.3K	$243.9K	$326.9K	$338.8K	$0.34	$0.26	$0.22	$0.11	$184.6K	$221.6K	$286.2K	$149.0K	$195.5K	$194.0K	$108.9K	$116.2K	$144.6K	$175.2K	$159.3K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$33.78M	$34.18M	$35.00M	$35.00M	$30.60M	$24.60M	$23.50M	$20.90M	$13.60M	$11.70M	$11.00M	$11.10M	$11.00M	$11.60M	$12.20M	$12.10M	$12.70M	$12.20M	$11.00M	$11.50M	$11.80M	$12.90M	$13.60M	$11.70M	$8.600M
YoY Change	-1.17%	-2.35%	0.0%	14.38%	24.39%	4.68%	12.44%	53.68%	16.24%	6.36%	-0.9%	0.91%	-5.17%	-4.92%	0.83%	-4.72%	4.1%	10.91%	-4.35%	-2.54%	-8.53%	-5.15%	16.24%	36.05%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$13.64M	$15.03M	$12.10M	$12.60M	$9.200M	$9.900M	$8.800M	$16.20M	$10.90M	$8.800M	$6.300M	$100.0K	$1.900M	$8.800M	$7.000M	$10.50M	$3.800M							$1.300M	$1.500M
YoY Change	-9.26%	24.19%	-3.97%	36.96%	-7.07%	12.5%	-45.68%	48.62%	23.86%	39.68%	6200.0%	-94.74%	-78.41%	25.71%	-33.33%	176.32%								-13.33%
Total Long-Term Assets
YoY Change
Total Assets	$2.565B	$2.553B	$2.538B	$2.366B	$2.182B	$2.119B	$2.083B	$2.076B	$1.340B	$1.320B	$1.277B	$1.302B	$1.263B	$1.240B	$1.191B	$1.109B	$1.040B	$996.8M	$805.1M	$796.9M	$795.2M	$813.0M	$782.7M	$694.8M	$638.6M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$8.471M	$9.457M	$9.000M	$10.00M	$6.800M
YoY Change	-10.43%	5.08%	-10.0%	47.06%
Deferred Revenue
YoY Change
Short-Term Debt						$11.70M	$11.70M	$17.40M	$34.70M	$31.20M	$28.20M								$14.40M	$14.60M	$12.10M	$8.700M	$6.100M	$7.700M	$3.300M
YoY Change						0.0%	-32.76%	-49.86%	11.22%	10.64%									-1.37%	20.66%	39.08%	42.62%	-20.78%	133.33%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$8.471M	$9.457M	$9.000M	$10.00M	$6.800M	$11.70M	$11.70M	$17.40M	$34.70M	$31.20M	$28.20M								$14.40M	$14.60M	$12.10M	$8.700M	$6.100M	$7.700M	$3.300M
YoY Change	-10.43%	5.08%	-10.0%	47.06%	-41.88%	0.0%	-32.76%	-49.86%	11.22%	10.64%									-1.37%	20.66%	39.08%	42.62%	-20.78%	133.33%
Long-Term Debt	$19.71M	$19.67M	$19.60M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$278.9M	$247.3M	$238.2M	$213.8M	$173.3M	$85.00M	$45.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.2%	0.37%									-100.0%	12.78%	3.82%	11.41%	23.37%	103.88%	88.89%
Other Long-Term Liabilities	$26.96M	$33.36M	$26.60M	$33.20M	$24.20M	$18.50M	$20.30M	$22.40M	$18.30M	$16.90M	$9.000M	$10.10M	$11.00M	$16.80M	$7.800M	$38.00M	$10.30M	$7.000M	$6.800M	$6.600M	$5.800M	$6.500M	$8.200M	$7.500M	$8.000M
YoY Change	-19.19%	25.42%	-19.88%	37.19%	30.81%	-8.87%	-9.38%	22.4%	8.28%	87.78%	-10.89%	-8.18%	-34.52%	115.38%	-79.47%	268.93%	47.14%	2.94%	3.03%	13.79%	-10.77%	-20.73%	9.33%	-6.25%
Total Long-Term Liabilities	$46.67M	$53.04M	$46.20M	$33.20M	$24.20M	$18.50M	$20.30M	$22.40M	$18.30M	$16.90M	$9.000M	$289.0M	$258.3M	$255.0M	$221.6M	$211.3M	$95.30M	$52.00M	$6.800M	$6.600M	$5.800M	$6.500M	$8.200M	$7.500M	$8.000M
YoY Change	-12.0%	14.8%	39.16%	37.19%	30.81%	-8.87%	-9.38%	22.4%	8.28%	87.78%	-96.89%	11.89%	1.29%	15.07%	4.87%	121.72%	83.27%	664.71%	3.03%	13.79%	-10.77%	-20.73%	9.33%	-6.25%
Total Liabilities	$2.327B	$2.325B	$2.315B	$2.139B	$1.950B	$1.882B	$1.836B	$1.838B	$1.201B	$1.178B	$1.123B	$1.112B	$1.044B	$1.018B	$944.1M	$849.1M	$753.3M	$707.4M	$689.3M	$678.9M	$670.4M	$686.3M	$651.4M	$617.0M	$567.3M
YoY Change	0.09%	0.45%	8.2%	9.73%	3.6%	2.51%	-0.1%	53.07%	1.94%	4.89%	0.93%	6.51%	2.56%	7.85%	11.19%	12.72%	6.49%	2.63%	1.53%	1.27%	-2.32%	5.36%	5.58%	8.76%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2016	2013	2012	2011	2010
Basic Shares Outstanding	21.54M shares	21.88M shares	23.22M shares	25.05M shares		20.08M shares	24.50M shares	26.48M shares	27.60M shares
Diluted Shares Outstanding	21.61M shares	21.94M shares	23.30M shares	25.06M shares	19.80M shares	20.08M shares	24.52M shares	26.59M shares	27.79M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $197.89 Million

About Western New England Bancorp, Inc.

Western New England Bancorp, Inc. is a holding company, which engages in the provision of financial services. The company is headquartered in Westfield, Massachusetts and currently employs 294 full-time employees. The company went IPO on 2001-12-28. The firm is the parent company of Westfield Bank (the Bank), CSB Colts, Inc. (CSB Colts), Elm Street Securities Corporation (Elm), WFD Securities, Inc. (WFD) and WB Real Estate Holdings, LLC (WB). The Bank is a full-service, community oriented financial institution offering a full range of commercial and retail products and services as well as wealth management financial products. The Bank also provides a variety of banking services, including telephone and online banking, remote deposit capture, cash management services, overdraft facilities, night deposit services, and safe deposit facilities. CSB Colts, Elm, and WFD are engaged in holding qualified securities. WB is engaged in holding other real estate owned (OREO). The Bank operates about 25 banking offices in Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, and others.

Industry: Savings Institution, Federally Chartered Peers: Bogota Financial Corp. ESSA Bancorp, Inc. FS Bancorp, Inc. NorthEast Community Bancorp, Inc./MD/ OP Bancorp ONITY GROUP INC. Rocket Companies, Inc. TIMBERLAND BANCORP INC Territorial Bancorp Inc. William Penn Bancorporation