WNEB
Western New England Bancorp, Inc.Financial Services·Banks - Regional
$13.27
$267M market cap
Revenue
$67.4M
Free Cash Flow
$6.5M
Rev Growth
+0.0%
FCF Margin
9.7%
P/FCF
41.0x
EV/FCF
55.5x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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,
2-Year Price History
$13.39+117.7%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 33.7 | 6.2 | 6.2 | 4.8 | 0.4 | -0.4 | -0.7 | 22.2 | 116.6 | 20.1 | 9.7% | 0.5x | -- |
| Act | 2025-Q4 | 33.7 | 6.1 | 6.1 | 5.2 | 7.1 | 6.9 | -0.2 | 43.2 | 106.1 | 20.2 | 10.1% | 0.5x | -- |
Valuation & Metrics
Market Stats
Price$13.27
Market Cap$267M
Enterprise Value$362M
P/S Ratio4.0x
P/FCF41.0x
EV/FCF55.5x
FCF Margin (TTM)9.7%
FCF Yield2.4%
Dividend Yield (TTM)2.1%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$67.4M
Net Income$10.0M
Free Cash Flow$6.5M
Revenue Growth (YoY)+0.0%
EBITDA Margin18.3%
Net Margin14.8%
FCF Margin9.7%
CapEx % of Revenue1.3%
SBC % of Revenue1.2%
ROIC9.9%
WC Change % Rev-0.2%
Interest Coverage0.5x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.2M
Days to Cover5.3
Change (vs Prior)+21.4%
Need at least 2 settlement dates for chart
Employees
Headcount286
Revenue / Employee$235,748
Gross Profit / Employee$154,493
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
36.0%(+10.1% YoY)
86 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
23.6%(+10.8% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-1.6% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $22.2M | $8.70 | −$145K | +$10.1M | -0.2% | $5.69T |
| DIMENSIONAL FUND ADVISORS LPPassive | $18.2M | $8.64 | −$225K | −$873K | -0.4% | $480.92B |
| RENAISSANCE TECHNOLOGIES LLC | $12.9M | $6.27 | −$612K | −$1.1M | +1.2% | $63.91B |
| STRATEGIC VALUE BANK PARTNERS LLC | $11.2M | $6.57 | +$0 | +$0 | -1.5% | $186M |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $11.1M | $12.86 | +$11.0M | +$11.1M | — | $4.04T |
| ROYCE & ASSOCIATES LP | $9.5M | $7.49 | −$587K | +$954K | -0.9% | $10.09B |
| AMERIPRISE FINANCIAL INC | $9.1M | $6.43 | −$235K | −$2.7M | -0.1% | $430.96B |
| ACADIAN ASSET MANAGEMENT LLC | $7.1M | $10.41 | +$1.5M | +$2.2M | -0.5% | $70.48B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $5.2M | $8.91 | −$246K | +$2.4M | +2.3% | $1.61T |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $4.0M | $8.24 | +$0 | −$64K | +0.1% | $184.72B |
| STATE STREET CORPPassive | $3.5M | $9.65 | +$24K | +$2.4M | -0.2% | $2.89T |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.0M | $8.29 | +$145K | +$276K | -2.3% | $4.93B |
| MANGROVE PARTNERS | $2.8M | $8.65 | +$0 | +$194K | +1.6% | $1.23B |
| FEDERATED HERMES, INC. | $2.8M | $12.25 | +$130K | +$802K | -1.1% | $61.33B |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $2.5M | $10.31 | −$498K | +$2.1M | +0.1% | $19.92B |
| HENNESSY ADVISORS INC | $2.3M | $7.10 | −$64K | −$2.1M | +0.4% | $2.77B |
| RITHOLTZ WEALTH MANAGEMENT | $2.0M | $10.46 | −$1K | +$1.8M | +0.2% | $5.76B |
| NORTHERN TRUST CORPPassive | $1.9M | $8.97 | +$71K | +$1.1M | -0.2% | $755.34B |
| Elizabeth Park Capital Advisors, Ltd. | $1.9M | $11.88 | +$0 | +$1.9M | -1.0% | $130M |
| WHITE PINE CAPITAL LLC | $1.7M | $7.96 | −$387K | −$403K | -0.0% | $355M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BULLISH
Holders
-0.14%
avg per quarter
Holders (ex-self)
-0.16%
excl. this stock
Buyers (this Q)
-0.10%
40 buyers · $0.02B in
Sellers (this Q)
-0.80%
35 sellers · $0.01B out
alpha coverage: 92% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-24.1%
how holders react when this stock falls
On quiet Qs
+1.4%
−10% to +10% baseline
On rallies (+10%+)
-6.1%
how they react when this stock rises
Holders' portfolio flow this Q
+3.8%
inflows — adds are organic
Sellers' portfolio flow this Q
+2.5%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-6.3%
Holder mid (any stock)
-5.5%
Holder rally (any stock)
-5.5%
Biggest decreases this quarter
Fourthstone LLC−$2.5Mα-1.8RENAISSANCE TECHNOLOGIES LLC−$612Kα+1.2ROYCE & ASSOCIATES LP−$587Kα-0.9O'SHAUGHNESSY ASSET MANAGEMENT, LLC−$498Kα+0.1JANE STREET GROUP, LLCexited−$398KWHITE PINE CAPITAL LLC−$387Kα-0.0GEODE CAPITAL MANAGEMENT, LLC−$246Kα+2.3AMERIPRISE FINANCIAL INC−$235Kα-0.1MILLENNIUM MANAGEMENT LLCexited−$233KDIMENSIONAL FUND ADVISORS LP−$225Kα-0.4
New buyers this quarter
Top-5 holders · 46.2%
BlackRock, Inc.--
DIMENSIONAL FUND ADVISORS LP--
RENAISSANCE TECHNOLOGIES LLC--
STRATEGIC VALUE BANK PARTNERS LLC--
VANGUARD CAPITAL MANAGEMENT LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
RENAISSANCE TECHNOLOGIES LLC1.0MSTRATEGIC VALUE BANK PARTNERS LLC866KROYCE & ASSOCIATES LP738KAMERIPRISE FINANCIAL INC701KFourthstone LLC129KACADIAN ASSET MANAGEMENT LLC553KHENNESSY ADVISORS INC180KARROWSTREET CAPITAL, LIMITED PARTNERSHIP306KMILLENNIUM MANAGEMENT LLC—BRIDGEWAY CAPITAL MANAGEMENT, LLC235K
Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (2 analysts)$15.501680.0%
Last Year (2 analysts)$15.501680.0%
Current Price$13.27
Analyst Ratings
4
4
Buy: 4Hold: 4Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$177K
4 txns · 2 insiders · 14,280 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-20 | SELL | Libiszewski Darlene M | officer: SVP, Chief Information Officer | 3,680 | $13.42 | $49K | $189K |
| 2026-02-27 | SELL | Smith Philip R | director | 3,000 | $13.17 | $40K | $99K |
| 2025-09-03 | SELL | Libiszewski Darlene M | officer: SVP, Chief Information Officer | 3,600 | $12.39 | $45K | $199K |
| 2025-07-31 | SELL | Smith Philip R | director | 4,000 | $10.79 | $43K | $113K |
Order Flow (FINRA, ~3w lag)
14.8%retail-0.1pp
18.6%dark+6.3pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Western New England Bancorp, Inc.: Routine Metadata Filing Lacks Material Forensic Red Flags
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10