What is WNEB revenue?

Western New England Bancorp Inc. (WNEB) reported $90.88M of revenue for the twelve months ended Sep 30, 2026. That is up 14.8% from the year before. Revenue for fiscal 2025 was $82.61M.

Yes. Western New England Bancorp Inc. earned $19.88M in net income for the twelve months ended Sep 30, 2026, a net margin of 21.9%.

How much cash and debt does WNEB have?

Western New England Bancorp Inc. reported $62.77M in cash and cash equivalents and $50.96M of debt on its most recent balance sheet in SEC filings.

How fast is WNEB revenue growing?

Western New England Bancorp Inc.'s revenue changed +13.6% in fiscal 2025, to $82.61M. Its compound annual growth rate was +2.3% over 5 years and +8.5% over 10 years.

What is WNEB free cash flow?

Western New England Bancorp Inc. generated $18.97M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $21.14M less capital expenditures.

What is WNEB earnings per share?

Diluted earnings per share were $1.00 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.

When did WNEB last report financial results?

The latest statements here come from Western New England Bancorp Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.

Financials · WNEB

Western New England Bancorp Inc. (WNEB) financials

For the twelve months ended Sep 30, 2026, Western New England Bancorp Inc. reported $90.88M of revenue and $19.88M of net income.

Revenue, TTM: $90.88M
Revenue growth, YoY: +14.8%
Net income, TTM: $19.88M
Net income growth, YoY: +49.0%
Net margin: 21.9%
Free cash flow, TTM: $18.97M
EPS, diluted, TTM: $1.00
EPS growth, YoY: +51.5%
Cash: $62.77M
Total debt: $50.96M
P/E: 13.80
P/S: 3.02
Market cap: $274.4M

Annual revenue$82.61M

FY2016FY2025

Annual net income$15.27M

FY2016FY2025

Annual free cash flow$17.14M

FY2016FY2025

WNEB revenue and earnings growth

WNEB revenueQ3 2026$23.90M

Quarter YoY: +12.4%
QoQ: +5.2%
FY YoY: +13.6%
5Y CAGR: +2.3%
10Y CAGR: +8.5%

WNEB revenue was $23.90M in fiscal Q3 2026 (ended Sep 30, 2026), up 12.4% from a year earlier and up 5.2% from the prior quarter. For the full fiscal 2025 it was $82.61M, up 13.6% from fiscal 2024. Compound annual growth was +2.3% over 5 years and +8.5% over 10 years. It rose in 7 of the last 10 fiscal years.

WNEB net incomeQ3 2026$6.30M

Quarter YoY: +98.9%
QoQ: +75.1%
FY YoY: +30.9%
5Y CAGR: +6.4%
10Y CAGR: +10.3%

WNEB net income was $6.30M in fiscal Q3 2026 (ended Sep 30, 2026), up 98.9% from a year earlier and up 75.1% from the prior quarter. For the full fiscal 2025 it was $15.27M, up 30.9% from fiscal 2024. Compound annual growth was +6.4% over 5 years and +10.3% over 10 years. It rose in 5 of the last 10 fiscal years.

WNEB EPSQ3 2026$0.32

Quarter YoY: +100.0%
QoQ: +77.8%
FY YoY: +33.9%
5Y CAGR: +10.8%

WNEB diluted EPS was $0.32 in fiscal Q3 2026 (ended Sep 30, 2026), up 100.0% from a year earlier and up 77.8% from the prior quarter. For the full fiscal 2025 it was $0.75, up 33.9% from fiscal 2024. Compound annual growth was +10.8% over 5 years.

WNEB free cash flowQ3 2026$7.09M

Quarter YoY: +33.4%
QoQ: +20.8%
FY YoY: +56.2%
5Y CAGR: -4.4%
10Y CAGR: +6.8%

WNEB free cash flow was $7.09M in fiscal Q3 2026 (ended Sep 30, 2026), up 33.4% from a year earlier and up 20.8% from the prior quarter. For the full fiscal 2025 it was $17.14M, up 56.2% from fiscal 2024. Compound annual growth was -4.4% over 5 years and +6.8% over 10 years. It rose in 5 of the last 8 fiscal years.

Export CSV

Income statement

Income statement
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue	$82.61M	$72.72M	$78.81M	$92.56M	$85.74M	$73.68M	$67.68M	$69.25M	$67.89M	$43.28M
Interest expense	-	-	$33.21M	$6.70M	$6.67M	$18.45M	$24.14M	$18.98M	$14.64M	$11.29M
Pre-tax income	$19.79M	$14.96M	$19.58M	$34.63M	$31.72M	$14.16M	$17.20M	$21.11M	$21.75M	$7.40M
Income tax	$4.52M	$3.29M	$4.52M	$8.74M	$8.03M	$2.94M	$3.85M	$4.70M	$9.43M	$2.57M
Net income	$15.27M	$11.67M	$15.07M	$25.89M	$23.70M	$11.21M	$13.35M	$16.41M	$12.32M	$4.83M
EPS, basic	$0.76	$0.56	$0.70	$1.18	$1.02	$0.45	$0.51	$0.57	$0.41	$0.25
EPS, diluted	$0.75	$0.56	$0.70	$1.18	$1.02	$0.45	$0.51	$0.57	$0.41	$0.24
Diluted shares	20.3M	21.0M	21.6M	21.9M	23.3M	25.1M	26.3M	29.0M	30.0M	19.8M

Balance sheet

Balance sheet
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Cash and equivalents	$40.38M	$66.45M	$28.84M	$30.34M	$103.46M	$87.44M	$24.74M	-	-	-
Goodwill	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$13.75M
Total assets	$2.74B	$2.65B	$2.56B	$2.55B	$2.54B	$2.37B	$2.18B	$2.12B	$2.08B	$2.08B
Short-term debt	$13.27M	$5.39M	$16.10M	$41.35M	-	-	$35.00M	$59.25M	$144.65M	$172.35M
Total debt	$106.06M	$123.14M	$156.46M	-	-	$57.85M	$205.51M	$208.02M	$164.79M	$124.84M
Total liabilities	$2.49B	$2.42B	$2.33B	$2.33B	$2.31B	$2.14B	$1.95B	$1.88B	$1.84B	$1.84B
Shareholders' equity	$247.64M	$235.91M	$237.41M	$228.14M	$223.69M	$226.64M	$232.02M	$237.03M	$247.28M	$238.40M

Cash flow

Cash flow
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Operating cash flow	$18.21M	$12.17M	$14.77M	$36.77M	$28.79M	$25.07M	$15.38M	$24.64M	$18.86M	$930.0K
Capital expenditures	$1.07M	$1.20M	$2.90M	$1.14M	$3.46M	$3.58M	$1.28M	$3.33M	$2.21M	$1.49M
Free cash flow	$17.14M	$10.97M	$11.87M	$35.63M	$25.34M	$21.49M	$14.09M	$21.31M	$16.65M	-$557.0K
Investing cash flow	-$113.61M	-$46.59M	-$13.71M	-$111.87M	-$162.91M	-$123.56M	-$48.08M	-$45.74M	-$55.97M	$33.75M
Financing cash flow	$69.33M	$72.03M	-$2.57M	$1.99M	$150.13M	$161.19M	$30.65M	$20.76M	-$5.99M	$21.86M
Dividends paid	$5.71M	$5.91M	$6.07M	$5.28M	$4.68M	$5.04M	$5.27M	$4.64M	$3.58M	$2.44M
Share repurchases	$6.10M	$7.60M	$5.02M	$6.35M	$23.28M	$10.52M	$19.45M	$22.92M	$9.31M	$1.38M
Stock-based compensation	$1.08M	$1.47M	$1.42M	$1.07M	$1.31M	$834.0K	$773.0K	$845.0K	$649.0K	$262.0K
Depreciation and amortization	$2.10M	$2.20M	$2.20M	$2.30M	$2.30M	$2.10M	$2.10M	$2.10M	-	-

Key ratios

Key ratios
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue growth, YoY	13.6%	-7.7%	-14.9%	8.0%	16.4%	8.9%	-2.3%	2.0%	56.9%	18.4%
Net income growth, YoY	30.9%	-22.6%	-41.8%	9.2%	111.3%	-16.0%	-18.6%	33.2%	154.9%	-15.4%
EPS growth, YoY	33.9%	-20.0%	-40.7%	15.7%	126.7%	-11.8%	-10.5%	39.0%	-	-27.3%
Net margin	18.5%	16.0%	19.1%	28.0%	27.6%	15.2%	19.7%	23.7%	18.1%	11.2%
Free cash flow margin	20.7%	15.1%	15.1%	38.5%	29.5%	29.2%	20.8%	30.8%	24.5%	-1.3%
Return on equity	6.2%	4.9%	6.3%	11.3%	10.6%	4.9%	5.8%	6.9%	5.0%	2.0%
Return on assets	0.6%	0.4%	0.6%	1.0%	0.9%	0.5%	0.6%	0.8%	0.6%	0.2%
Debt to equity	0.43	0.52	0.66	-	-	0.26	0.89	0.88	0.67	0.52

Income statement

Income statement
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025 Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024 Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023 Dec 31, 2023
Revenue	$23.90M	$22.71M	$22.26M	$22.00M	$21.27M	$21.05M	$18.29M	$18.53M	$17.87M	$18.30M	$18.02M	$18.89M
Interest expense	-	-	-	$11.71M	$11.94M	$11.97M	$12.90M	$13.31M	$13.11M	$12.33M	$11.26M	$10.59M
Pre-tax income	$8.36M	$4.80M	$6.17M	$6.62M	$4.19M	$6.01M	$2.97M	$4.36M	$2.52M	$4.28M	$3.79M	$3.62M
Income tax	$2.06M	$1.21M	$1.40M	$1.41M	$1.03M	$1.42M	$664.0K	$1.07M	$618.0K	$771.0K	$827.0K	$1.11M
Net income	$6.30M	$3.60M	$4.78M	$5.21M	$3.17M	$4.59M	$2.30M	$3.29M	$1.90M	$3.51M	$2.96M	$2.51M
EPS, basic	$0.32	$0.18	$0.24	$0.26	$0.16	$0.23	$0.11	$0.16	$0.09	$0.17	$0.14	$0.12
EPS, diluted	$0.32	$0.18	$0.24	$0.26	$0.16	$0.23	$0.11	$0.16	$0.09	$0.17	$0.14	$0.12
Diluted shares	19.8M	19.9M	20.1M	-	20.2M	20.3M	20.5M	-	20.9M	21.2M	21.3M	-

Balance sheet

Balance sheet
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025 Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024 Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023 Dec 31, 2023
Cash and equivalents	$62.77M	$37.67M	$56.14M	$40.38M	$82.94M	$93.31M	$110.58M	$66.45M	$72.80M	$53.46M	$22.61M	$28.84M
Goodwill	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M	$12.49M
Total assets	$2.75B	$2.73B	$2.76B	$2.74B	$2.74B	$2.71B	$2.71B	$2.65B	$2.64B	$2.59B	$2.56B	$2.56B
Short-term debt	$6.14M	$17.74M	$23.81M	$13.27M	$2.98M	$4.04M	$4.52M	$5.39M	$4.39M	$6.57M	$11.47M	$16.10M
Total debt	$50.96M	$62.55M	$116.61M	$106.06M	$120.76M	$121.81M	$122.28M	$123.14M	$152.41M	$154.58M	-	$156.46M
Total liabilities	$2.50B	$2.48B	$2.52B	$2.49B	$2.49B	$2.47B	$2.47B	$2.42B	$2.40B	$2.35B	$2.32B	$2.33B
Shareholders' equity	$244.69M	$248.28M	$248.10M	$247.64M	$243.64M	$239.43M	$237.68M	$235.91M	$240.66M	$236.48M	$235.80M	$237.41M

Cash flow

Cash flow
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025 Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024 Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023 Dec 31, 2023
Operating cash flow	$7.46M	$6.64M	$346.0K	$6.69M	$5.51M	$6.84M	-$829.0K	$6.05M	$2.98M	$1.96M	$1.17M	$8.86M
Capital expenditures	$364.0K	$768.0K	$734.0K	$298.0K	$193.0K	$295.0K	$287.0K	$815.0K	-	-	-	$1.39M
Free cash flow	$7.09M	$5.87M	-$388.0K	$6.39M	$5.32M	$6.54M	-$1.12M	$5.24M	-	-	-	$7.47M
Investing cash flow	$6.77M	$13.44M	-$11.89M	-$42.98M	-$33.14M	-$20.93M	-$16.57M	-$18.15M	-$30.28M	$1.27M	$566.0K	-$13.01M
Financing cash flow	$10.87M	-$38.55M	$27.30M	-$6.27M	$17.26M	-$3.18M	$61.53M	$5.74M	$46.64M	$27.61M	-$7.96M	-$29.28M
Dividends paid	$1.39M	$1.40M	$1.37M	$1.42M	$1.42M	$1.44M	$1.44M	$1.45M	$1.47M	$1.49M	$1.50M	$1.48M
Share repurchases	$2.85M	$2.69M	$2.75M	$1.18M	$24.0K	$2.79M	$2.11M	$1.98M	$2.10M	$1.69M	$1.83M	$1.92M
Stock-based compensation	$348.0K	$343.0K	-$187.0K	$333.0K	$288.0K	$318.0K	$145.0K	$323.0K	$323.0K	$318.0K	$505.0K	$288.0K

Key ratios

Key ratios
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025 Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024 Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023 Dec 31, 2023
Revenue growth, YoY	12.4%	7.9%	21.7%	18.8%	19.0%	15.0%	1.5%	-1.9%	-10.6%	-0.7%	-16.1%	-28.7%
Net income growth, YoY	98.9%	-21.6%	107.4%	58.4%	66.3%	30.7%	-22.2%	30.9%	-57.6%	27.1%	-44.2%	-72.2%
EPS growth, YoY	100.0%	-21.7%	118.2%	62.5%	77.8%	35.3%	-21.4%	33.3%	-57.1%	30.8%	-41.7%	-71.4%
Net margin	26.4%	15.8%	21.5%	23.7%	14.9%	21.8%	12.6%	17.7%	10.7%	19.2%	16.4%	13.3%
Free cash flow margin	29.7%	25.9%	-1.7%	29.1%	25.0%	31.1%	-6.1%	28.3%	-	-	-	39.5%
Debt to equity	0.21	0.25	0.47	0.43	0.50	0.51	0.51	0.52	0.63	0.65	-	0.66

Source: XBRL data Western New England Bancorp Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

WNEB peers

Company	Revenue	Growth	Net income	Net margin	Market cap
WNEB	$90.88M	+14.8%	$19.88M	21.9%	$274.4M
HSBCHSBC Holdings plc.	$68.27B	+3.7%	$23.13B	33.9%	$298.91B
AXAxos Financial Inc.	$1.55B	+23.0%	$507.67M	32.7%	$5.26B
EBCEastern Bankshares Inc.	$1.12B	+61.3%	$376.13M	33.5%	$5.22B
TFSLTFS Financial Corporation	$343.73M	+10.5%	$102.06M	29.7%	$4.61B
PFSProvident Financial Services Inc	$907.32M	+8.1%	$312.71M	34.5%	$3.16B
BKUBankUnited Inc.	$1.13B	+5.4%	$273.97M	24.3%	$3.14B
CFFNCapitol Federal Financial Inc.	$229.25M	+19.4%	$82.83M	36.1%	$1.06B

WNEB FAQ

8 questions

What is WNEB revenue?
Western New England Bancorp Inc. (WNEB) reported $90.88M of revenue for the twelve months ended Sep 30, 2026. That is up 14.8% from the year before. Revenue for fiscal 2025 was $82.61M.
Is WNEB profitable?
Yes. Western New England Bancorp Inc. earned $19.88M in net income for the twelve months ended Sep 30, 2026, a net margin of 21.9%.
How much cash and debt does WNEB have?
Western New England Bancorp Inc. reported $62.77M in cash and cash equivalents and $50.96M of debt on its most recent balance sheet in SEC filings.
How fast is WNEB revenue growing?
Western New England Bancorp Inc.'s revenue changed +13.6% in fiscal 2025, to $82.61M. Its compound annual growth rate was +2.3% over 5 years and +8.5% over 10 years.
What is WNEB free cash flow?
Western New England Bancorp Inc. generated $18.97M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $21.14M less capital expenditures.
What is WNEB earnings per share?
Diluted earnings per share were $1.00 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
When did WNEB last report financial results?
The latest statements here come from Western New England Bancorp Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
Where does this WNEB financial data come from?
Quantisnow builds these statements from the structured XBRL data Western New England Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.