US · WNEB
Western New England Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Westfield, MA 01085
- Website
- westfieldbank.com
Price · as of 2024-12-31
$14.08
Market cap 263.32M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $35.64 | +153.13% |
| Intrinsic Value(DCF) | $9.61 | -31.75% |
| Graham-Dodd Method(GD) | $9.24 | -34.4% |
| Graham Formula(GF) | $9.66 | -31.36% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $5.38 | $16.01 | $6.49 | $0.79 | $0.43 |
| 2011 | $5.38 | $20.44 | $4.86 | $1.28 | $0.00 |
| 2012 | $5.66 | $23.08 | $11.41 | $2.43 | $2.71 |
| 2013 | $5.76 | $19.23 | $7.36 | $4.97 | $1.83 |
| 2014 | $5.57 | $20.97 | $7.41 | $6.37 | $0.62 |
| 2015 | $6.81 | $19.43 | $7.74 | $7.80 | $4.84 |
| 2016 | $8.13 | $45.68 | $12.06 | $10.77 | $5.28 |
| 2017 | $8.51 | $82.10 | $10.74 | $8.13 | $22.61 |
| 2018 | $8.00 | $22.78 | $34.95 | $8.20 | $8.31 |
| 2019 | $6.59 | $29.68 | $8.12 | $7.91 | $6.09 |
| 2020 | $7.79 | $29.77 | $8.40 | $7.77 | $3.81 |
| 2021 | $8.04 | $33.77 | $9.30 | $11.18 | $8.69 |
| 2022 | $8.50 | $28.42 | $10.68 | $12.15 | $17.99 |
| 2023 | $7.87 | $44.22 | $10.05 | $9.72 | $14.26 |
| 2024 | $9.07 | $35.64 | $10.03 | $9.24 | $9.66 |
AI valuation
Our deep-learning model estimates Western New England Bancorp, Inc.'s (WNEB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $35.64
- Current price
- $14.08
- AI upside
- +153.13%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$9.61
-31.75% upside
Graham-Dodd
$9.24
-34.4% upside
Graham Formula
$9.66
-31.36% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| WNEB | Western New England Banco… | $14.08 | 263.32M | +153% | -32% | -34% | -31% | 16.26 | 0.80 | 1.55 | 5.40 | — | 0.85 | 59.79% | 12.19% | 9.50% | 4.93% | 6.27% | 0.45% | 0.52 | 0.30 | 0.10 | 0.10 | 3.76 | -2000.00% | 957.00% | -756.00% | 5.79% | 0.01 | 5.90% | 3.12% | 50.70% | 41.22% | 6.34 | 8.65 | 0.77 | -0.74 |
| BPRN | Princeton Bancorp, Inc. | $33.97 | 229.84M | +414% | -31% | +51% | +11% | 12.49 | 0.86 | 1.67 | -1.86 | 16.69 | 0.92 | 55.83% | 17.04% | 13.39% | 6.99% | 72.14% | 0.81% | 0.00 | 0.43 | 1.93 | 1.93 | -5.73 | 7484.00% | 602.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 53.77% | -1.86 | — | -0.32 | 0.79 |
| CFFI | C&F Financial Corporation | $72.82 | 235.81M | +359% | +82% | +68% | +121% | 8.96 | 0.92 | 1.30 | 10.74 | 23.62 | 0.92 | 69.46% | 17.77% | 14.42% | 11.05% | 9.11% | 1.01% | 0.43 | 0.73 | — | — | 3.43 | 3794.00% | 1178.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 10.74 | — | 1.91 | 0.16 |
| CHMG | Chemung Financial Corpora… | $55.52 | 266.18M | -22% | +51% | -24% | +55% | 9.82 | 1.08 | 1.55 | -3.67 | — | 1.20 | 64.27% | 20.11% | 15.82% | 11.53% | -9.11% | 0.86% | 0.55 | 0.56 | 0.19 | 0.19 | 2.23 | -606.00% | 954.00% | -1387.00% | 11.27% | 0.01 | -10.08% | 3.17% | 31.10% | 3.32% | -3.92 | -4.50 | -0.79 | -0.61 |
| FUNC | First United Corporation | $35.47 | 230.45M | +27% | -22% | -18% | +117% | 9.83 | 1.13 | 1.81 | 7.73 | 24.57 | 1.21 | 68.75% | 24.36% | 18.40% | 12.06% | 10.55% | 1.06% | 1.05 | 0.85 | 0.10 | 0.10 | 3.53 | 4000.00% | 1694.00% | -795.00% | 10.07% | 0.01 | 10.44% | 2.66% | 26.10% | 4.65% | 8.81 | 11.79 | 2.15 | -0.60 |
| FVCB | FVCBankcorp, Inc. | $15.44 | 279.08M | +354% | -1% | +30% | +35% | 12.68 | 1.10 | 2.29 | 4.94 | 26.67 | 1.14 | 53.93% | 23.15% | 18.07% | 9.02% | 24.85% | 0.98% | 0.07 | 0.52 | 0.14 | 0.14 | 0.46 | 4756.00% | 937.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.94 | — | 1.14 | -0.32 |
| ISTR | Investar Holding Corporat… | $28.23 | 277.81M | +86% | -29% | -12% | +36% | 8.32 | 0.70 | 1.08 | 8.56 | 39.08 | 0.84 | 54.87% | 15.59% | 12.94% | 8.65% | 17.91% | 0.73% | 0.42 | 0.33 | 0.02 | 0.02 | 2.66 | 2130.00% | 1096.00% | -3874.00% | 9.15% | 0.01 | 13.64% | 2.36% | 19.60% | 2.54% | 9.65 | 15.27 | 1.50 | -0.82 |
| LCNB | LCNB Corp. | $16.99 | 241.03M | +415% | -14% | +25% | -31% | 10.55 | 0.89 | 1.96 | 3.96 | 15.50 | 1.40 | 72.26% | 22.66% | 18.61% | 8.77% | 10.99% | 1.02% | 0.43 | 0.87 | 0.55 | 0.55 | 3.55 | 6804.00% | -94.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 10.44% | 3.96 | — | 0.90 | 0.16 |
| MYFW | First Western Financial, … | $25.29 | 245.69M | +9% | -7% | +19% | -31% | 18.30 | 0.91 | 1.30 | 14.64 | 33.88 | 1.03 | 52.50% | 9.65% | 7.08% | 5.09% | 6.26% | 0.43% | 0.41 | 0.21 | 0.03 | 0.03 | 4.88 | 5402.00% | 483.00% | 239.00% | -0.75% | 0.00 | -0.81% | 0.24% | 4.40% | 0.56% | 16.32 | -163.22 | 1.58 | -0.75 |
| OVLY | Oak Valley Bancorp | $32.00 | 268.42M | +54% | +27% | -5% | -1% | 8.16 | 1.11 | 2.28 | -0.30 | — | 1.13 | 87.43% | 35.99% | 27.89% | 14.28% | -8.88% | 1.33% | 0.00 | 2.50 | 0.13 | 0.13 | -4.16 | -1947.00% | 247.00% | -2345.00% | 11.71% | 0.02 | -8.49% | 1.84% | 15.00% | 1.92% | -0.31 | -0.41 | -0.11 | -0.63 |
| PVBC | Provident Bancorp, Inc. | $13.50 | 240.07M | +221% | -10% | +18% | -80% | 26.53 | 0.83 | 2.05 | 6.90 | — | 0.83 | 57.59% | 9.95% | 7.72% | 3.21% | 7.56% | 0.45% | 0.21 | 0.24 | 0.13 | 0.13 | -11.55 | -3485.00% | -204.00% | 12110.00% | 5.98% | 0.01 | 11.99% | 0.00% | 0.00% | 4.83% | 7.69 | 6.26 | 0.77 | -0.62 |
About Western New England Bancorp, Inc.
Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides a range of commercial and retail banking products and services to individuals and businesses. The company accepts various deposit accounts, including checking, business and municipal savings, money market and sweep, individual retirement, and other savings accounts; time deposits; certificates of deposit; and interest on lawyers trust accounts. It also offers residential and commercial real estate, commercial construction, working capital, equipment financing and term, home equity, and consumer loans; commercial and industrial loans, such as revolving lines of credit. In addition, the company provides automated teller machine (ATM), telephone and online banking, remote deposit capture, cash management, overdraft and safe deposit facility, and night deposit services. As of December 31, 2021, it operated through a network of 25 banking offices, 23 free-standing ATMs, and 35 seasonal or temporary ATMS located in Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Huntington, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield and Westfield, Massachusetts and Bloomfield, Enfield, Granby, and West Hartford, Connecticut. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. Western New England Bancorp, Inc. was founded in 1853 and is headquartered in Westfield, Massachusetts.
- CEO
- James C. Hagan
- Employees
- 286
- Beta
- 0.78
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($9.61 ÷ $14.08) − 1 = -31.75% (DCF, example).