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MARKETS / NASDAQ / WNEB
NASDAQ · SAVINGS INSTITUTION, FEDERALLY CHARTERED · MID CAP

Western New England Bancorp, Inc. WNEB

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$15.3M
▲ 30.9% YoY
$17.1M
▲ 56.2% YoY
In brief

What this company does

WNEB is the parent company and owns all of the capital stock of Westfield Bank (“Westfield” or “Bank”). At December 31, 2025, WNEB had consolidated total assets of $2.7 billion, total net loans of $2.2 billion, total deposits of $2.4 billion and total shareholders’ equity of $247.6 million. Westfield Bank, headquartered in Westfield, Massachusetts, is a federally-chartered savings bank organized in 1853 and is regulated by the Office of the Comptroller of the Currency (“OCC”). 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. On October 21, 2016, the Company acquired Chicopee Bancorp, Inc. (“Chicopee”), the holding company for Chicopee Savings Bank and in conjunction with the acquisition, the name of the Company was changed to Western New England Bancorp, Inc.

Written from the business description in Western New England Bancorp, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 10 March 2026. Every sentence was checked against that document before publication.

Growth
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2020 · Revenue 0.0 · Net income 11.2
8M16M200920112013201520172019202120232025
Compound annual growth
−11.3%
−16.1%
+6.4%
+10.3%
+11.4%
−14.0%
+10.8%
+5.3%
+7.0%
+4.1%
−5.3%
+7.0%
−5.8%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
Operating margin Net margin
FY2020 · Operating 32172.7% · Net 25488.6%
10000%20000%30000%200920112013201520172019202120232025
ROE
FY2025 · ROE 6.3%
5%10%200920112013201520172019202120232025

Each USD of equity produced 6 cents of profit this year.

Cash & shareholders
USD 11.8M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 17.1
20M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends 5.7 · Net buybacks 6.1
20M40MDividendsNet buybacks200920112013201520172019202120232025

USD 5.7M in dividends and USD 6.1M in buybacks — 77% of the year's profit went back to shareholders.

Total assetsUSD 2.7B
EquityUSD 247.6M
CashUSD 40.4M
Gross debtUSD 13.3M
Net debtUSD -27.1M
DepositsUSD 2.4B

The company holds more cash than debt.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B·····0.00.00.00.00.0·······
Operating income $B0.00.00.00.00.00.00.0··········
EBITDA $B·················
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.00.00.00.00.00.00.00.00.0−0.00.00.00.00.00.00.00.0
EPS, diluted $0.750.560.701.181.020.450.510.570.410.240.330.340.340.260.220.110.18
Dividend / sh $0.280.280.280.240.200.200.200.160.120.120.120.210.290.440.540.520.50
Payout %37514020204540282950376287171244476267
ROE %6.34.96.511.510.54.95.76.85.12.64.14.23.93.12.71.32.2
Shares out B0.020.020.020.020.020.030.030.030.030.030.020.020.020.020.030.03·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 7 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivitySavings Institution, Federally Chartered
Listed onNASDAQ
Incorporated inMassachusetts
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2009

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