Western New England Bancorp, Inc. (WNEB) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Western New England Bancorp reported revenue of $82.6M, up 13.6% from $72.7M the year before. Net income was $15.3M (a 18.5% net margin), or $0.75 per diluted share. Net interest income was $70.1M, and the efficiency ratio (noninterest expense / revenue) was 75.6%. Operating activities generated $18.2M of cash, leaving $17.1M of free cash flow. At fiscal year end, Western New England Bancorp held $2.74B in total assets against $2.49B in total liabilities.
Open the full interactive Western New England Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Western New England Bancorp Key Stats
| Share Price | $13.59 |
|---|---|
| Market Cap | $270.4M |
| P/E Ratio | 18.1 |
| Dividend Yield | 2.07% |
| Revenue YoY Growth | +13.6% |
| 52-Week Range | $10.63 – $14.74 |
| Shares Outstanding | 19.8 million (basic, 2026 Q2) |
Western New England Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $64.4M | $73.2M | $79.2M | $67.9M | $59.8M | $70.1M |
| Provision for Credit Losses | $7.8M | -$925,000 | $700,000 | $872,000 | -$665,000 | $335,000 |
| Noninterest Income | $9.3M | $12.6M | $13.3M | $10.9M | $12.9M | $12.5M |
| Noninterest Expense | $51.8M | $54.9M | $57.2M | $58.4M | $58.4M | $62.5M |
| Revenue | $73.7M | $85.7M | $92.6M | $78.8M | $72.7M | $82.6M |
| Pre-Tax Income | $14.2M | $31.7M | $34.6M | $19.6M | $15.0M | $19.8M |
| Income Tax | $2.9M | $8.0M | $8.7M | $4.5M | $3.3M | $4.5M |
| Net Income | $11.2M | $23.7M | $25.9M | $15.1M | $11.7M | $15.3M |
| Diluted EPS | $0.45 | $1.02 | $1.18 | $0.70 | $0.56 | $0.75 |
Western New England Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $21.3M | $22.0M | $22.3M | $22.7M |
| Net Income | $3.2M | $5.2M | $4.8M | $3.6M |
| Diluted EPS | $0.16 | $0.26 | $0.24 | $0.18 |
Western New England Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $1.91B | $1.84B | $1.97B | $2.01B | $2.05B | $2.16B |
| Total Assets | $2.37B | $2.54B | $2.55B | $2.56B | $2.65B | $2.74B |
| Deposits | $2.04B | $2.26B | $2.23B | $2.14B | $2.26B | $2.36B |
| Total Long-Term Debt | $57.9M | $22.3M | $20.9M | $140.4M | $123.1M | $106.1M |
| Total Liabilities | $2.14B | $2.31B | $2.33B | $2.33B | $2.42B | $2.49B |
| Shareholders' Equity | $226.6M | $223.7M | $228.1M | $237.4M | $235.9M | $247.6M |
Western New England Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $25.1M | $27.5M | $36.1M | $14.8M | $12.2M | $18.2M |
| Cash From Investing | -$123.6M | -$161.7M | -$111.2M | -$13.7M | -$46.6M | -$113.6M |
| Cash From Financing | $161.2M | $150.1M | $2.0M | -$2.6M | $72.0M | $69.3M |
| Free Cash Flow | $21.5M | $24.1M | $34.9M | $11.9M | $11.0M | $17.1M |
| Dividends Paid | $5.0M | $4.7M | $5.3M | $6.1M | $5.9M | $5.7M |
Figures from Western New England Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Western New England Bancorp financials page for every line item.
Western New England Bancorp Company Profile
| Ticker | WNEB |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Westfield, Massachusetts |
| Incorporated in | Massachusetts |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001157647 |
Frequently Asked Questions
What was Western New England Bancorp's revenue in fiscal 2025?
Western New England Bancorp (WNEB) reported revenue of $82.6M for fiscal 2025.
What is Western New England Bancorp's annual revenue history?
Western New England Bancorp's annual revenue by fiscal year: 2020: $73.7M; 2021: $85.7M; 2022: $92.6M; 2023: $78.8M; 2024: $72.7M; 2025: $82.6M.
What was Western New England Bancorp's net income in fiscal 2025?
Western New England Bancorp reported net income of $15.3M for fiscal 2025.
What was Western New England Bancorp's earnings per share (EPS) in fiscal 2025?
Western New England Bancorp's diluted EPS was $0.75 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Western New England Bancorp generate in fiscal 2025?
Western New England Bancorp generated $17.1M of free cash flow in fiscal 2025.
What was Western New England Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Western New England Bancorp reported revenue of $22.7M.
How much debt does Western New England Bancorp have?
Western New England Bancorp reported $106.1M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Western New England Bancorp are outstanding?
Western New England Bancorp reported a weighted average of 19.8 million basic shares outstanding in 2026 Q2.
What is Western New England Bancorp's market cap?
Based on its latest closing price, Western New England Bancorp (WNEB) has a market capitalization of about $270.4M.
When does Western New England Bancorp's fiscal year end?
Western New England Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Western New England Bancorp headquartered?
Western New England Bancorp lists its business address in Westfield, Massachusetts in its SEC filings.
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