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what it is
Western New England Bancorp runs Westfield Bank, taking deposits and making loans to households and local businesses in Connecticut.
how it gets paid
Last year Western New England made $119M in revenue. Commercial real estate lending was the main engine at $41.7M, or 35% of sales.
why it's growing
Annual revenue is about $119M (see segment bridge). The latest quarter the page highlights rose about 7% vs. prior year to ~$31M — do not mix that quarter pace with the full-year total.
what just happened
WNEB posted $0.26 in quarterly EPS on $31M of revenue, with profit up 62% vs. prior year.
At a glance
B balance sheet — gets the job done, barely
55/100 earnings predictability — expect surprises
16.5x trailing p/e — the market's not buying it — or you found a deal
2.2% dividend yield — cash in your pocket every quarter
$0.76 fy2025 eps est
xvary composite: 69/100 — average
What they do
Western New England Bancorp runs Westfield Bank, taking deposits and making loans to households and local businesses in Connecticut.
This is a local lender, and local still matters. WNEB runs 25 banking offices in Connecticut, which means your checking account, your mortgage, and your business line can all sit with one bank. Community banking moat → local relationships and branch presence → so what: customers move slowly, and that helps a 335-employee bank keep deposits and make loans without fighting money-center giants on every deal.
How they make money
$119M
annual revenue · full-year revenue pace is ~$119M; latest highlighted quarter was up ~7% vs. prior year (see earnings block)
Commercial real estate lending
$41.7M
Residential real estate lending
$23.8M
Commercial and industrial lending
$19.0M
Deposit service income
$16.7M
Consumer and home equity lending
$17.8M
The products that matter
commercial property lending
Commercial Real Estate Loans
part of the $2.2B loan book
this is the largest lending bucket inside a $2.2B portfolio. it matters because commercial real estate usually drives yield, but it also concentrates credit risk when local markets soften.
core earning asset
consumer and housing credit
Consumer & Residential Loans
loan book support
these loans diversify the book, but they do not escape the same margin math. when funding costs rise against a fixed-rate loan book, earnings get squeezed one quarter at a time.
spread sensitive
deposit gathering and funding
Deposit Accounts
$2.4B funding base
your $2.4B deposit base funds the lending engine. that sounds boring until you remember deposit pricing is the whole game for a bank earning just 0.56% on assets.
profit driver
Key numbers
$0.76
fy2025 eps est
Earnings per share estimate → expected profit per share → so what: at $12.54, you are paying 16.5 times a $0.76 earnings stream.
$119M
annual revenue
Revenue → total money coming in → so what: this is still a tiny bank, which keeps the upside limited and the takeover logic alive.
2.2%
dividend yield
Dividend yield → your cash payout on the stock price → so what: you are getting paid to wait, just not enough to ignore earnings risk.
$20M
long-term debt
Long-term debt → money owed over years → so what: at 7% of capital, leverage looks restrained for a bank this size.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 1 — safer than 95% of stocks
- price stability 65 / 100
- long-term debt $20M (7% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for WNEB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
WNEB posted $0.26 in quarterly EPS on $31M of revenue, with profit up 62% vs. prior year.
Revenue rose 7% vs. prior year to $31 million, while EPS jumped from $0.16 to $0.26. Quiet part out loud: for a bank this small, one decent quarter changes the whole mood.
$31M
qtr revenue
$0.26
eps (Q)
n/a
n/a
the number that mattered
The key number was EPS up 62% vs. prior year, because a small bank trading at 16.5x earnings needs profit growth more than story stock hype.
source: company earnings report, 2026
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What could go wrong
the #1 risk is regulatory approval for the pending merger. this is not a background issue. it is the most binary part of the current story.
high
Regulatory merger approval
The DEFM14A filing says required approvals may not be obtained. If that happens, a major near-term catalyst disappears.
This risk is binary. Approval helps frame the stock around deal value. Failure sends you back to valuing a plain community bank on plain community-bank economics.
med
Net interest margin compression
Competition for deposits pressures the spread between what WNEB earns on loans and what it pays savers. That spread drives the $82.3M net interest income line.
Because 69% of the operating mix shown here comes from net interest income, even modest compression hits earnings fast.
med
Commercial real estate concentration
Commercial real estate is described here as the largest loan category inside the $2.2B book. When your biggest asset bucket is property lending, local credit conditions matter more than usual.
If credit losses rise, the bank does not have wide margins to absorb them. An 11.64% net margin is not a luxury cushion.
low
Thin data coverage
This snapshot has missing return data, no usable price target range, and a revenue field that conflicts with the operating income lines. Small-cap banks do not always get clean coverage.
That does not change the business, but it does raise the odds that you are making decisions with less context than you would get on a larger bank.
A failed merger process would change the story immediately, while margin pressure and commercial real estate exposure chip away at the bank's already modest profitability.
source: institutional data · regulatory filings · risk analysis
Pay attention to
binary event
Merger approval timeline
The DEFM14A-related process matters more than any one quarter. If approvals stall or the deal terms wobble, your thesis changes fast.
core metric
Net interest income
$82.3M is the big line. You want to see it hold or improve, because this is where deposit pricing pressure shows up in the numbers.
calendar
Q1 2026 earnings report
Focus less on the headline EPS and more on spread dynamics, deposit costs, and whether loan growth is still worth the funding price.
trend
Valuation premium vs. peer banks
WNEB trades at 16.5x trailing earnings (score strip) versus an 11.8x bank average cited here. Either returns improve from here, or that premium starts looking generous.
Analyst rankings
earnings predictability
55 / 100
middle of the road. in human-speak, analysts do not see this as a bank with especially smooth or easy-to-model earnings.
risk rank
1
This measure reads as safer than most stocks. Translation: the balance sheet looks steadier than the earnings power.
source: institutional data
Institutional activity
institutional ownership data for WNEB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$13
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
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