Western New England Bancorp Inc (WNEB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Western New England Bancorp Inc stock (WNEB) is currently trading at $12.85. Western New England Bancorp Inc PE ratio is 17.21. Western New England Bancorp Inc PS ratio (Price-to-Sales) is 3.21. Analyst consensus price target for WNEB is $14.50. WallStSmart rates WNEB as Moderate Buy.
- WNEB PE ratio analysis and historical PE chart
- WNEB PS ratio (Price-to-Sales) history and trend
- WNEB intrinsic value — DCF, Graham Number, EPV models
- WNEB stock price prediction 2025 2026 2027 2028 2029 2030
- WNEB fair value vs current price
- WNEB insider transactions and insider buying
- Is WNEB undervalued or overvalued?
- Western New England Bancorp Inc financial analysis — revenue, earnings, cash flow
- WNEB Piotroski F-Score and Altman Z-Score
- WNEB analyst price target and Smart Rating
Western New England Bancorp Inc
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WNEB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Western New England Bancorp Inc (WNEB)
WNEB trades at a significant discount to its Graham intrinsic value of $35.10, offering a 60% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Western New England Bancorp Inc (WNEB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap and return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Western New England Bancorp Inc (WNEB) Key Strengths (5)
Keeps $31 of every $100 in revenue after operating costs
Earnings per share surging 56.70% year-over-year
Trading at 1.02x book value, attractively priced
Strong profitability: $19 kept per $100 revenue
64.46% held by institutions, strong professional interest
Supporting Valuation Data
Western New England Bancorp Inc (WNEB) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.21x sales
Solid revenue growth at 16.60% per year
Western New England Bancorp Inc (WNEB) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.8/10) while 5 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Price/Book. Valuation metrics including Price/Book (1.02) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 31.20%, Profit Margin at 18.60%. Growth metrics are encouraging with EPS Growth at 56.70%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, PEG Ratio. Some valuation metrics including PEG Ratio (1.58), Price/Sales (3.21) suggest expensive pricing. Growth concerns include Revenue Growth at 16.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.32%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.32% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 16.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WNEB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
WNEB's Price-to-Sales ratio of 3.21x sits near its historical average of 3.03x (63th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 35% below its historical high of 4.93x set in Jan 2007, and 187% above its historical low of 1.12x in Jul 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Western New England Bancorp Inc (WNEB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Western New England Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 82M with 17% growth year-over-year. Profit margins of 18.6% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 7M in free cash flow and 7M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Western New England Bancorp Inc.
Bottom Line
Western New England Bancorp Inc offers an attractive blend of growth (17% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(34 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SMITH, PHILIP R Director | Sell | -3,000 |
Data sourced from SEC Form 4 filings
Last updated: 10:09:50 AM
About Western New England Bancorp Inc(WNEB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Western New England Bancorp, Inc. is the Westfield Bank holding company offering a range of commercial and retail banking products and services to individuals and businesses. The company is headquartered in Westfield, Massachusetts.