NASDAQ
WNEB
Last Price
US $14.47
KEY FIGURES
MKT CAP
$291.4M
EPS
TTM
$0.89
PEG
TTM
0.24x
P/E
TTM
16.27x
P/S
TTM
2.24x
YIELD
1.93%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
7.25%
Return on equity
ROIC: 0.63%
Valuation History
16.3X
Price to Earnings
EV/EBITDA: 15.5X
Cash flow
Profit margin
7.10%
(FY vs FY)
EBITDA Y/Y
4.91%
(FY vs FY)
Cash flow Y/Y
-4.42%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $14.47
-59.16%
Default assumptions
EBITDA Multiple
Fair Value
Market $14.47
-65.03%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Western New England Bancorp, Inc. cash flow to debt ratio of 17.17% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Western New England Bancorp, Inc.'s free cash flow has increased 56.19% from $10.97M last year to $17.14M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Western New England Bancorp, Inc.'s debt to equity ratio is 0.47, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Western New England Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.52 last year to 0.47 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Western New England Bancorp, Inc. has a net debt to EBITDA ratio of 3.20x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Western New England Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Western New England Bancorp, Inc.'s profit margin has increased (41.05%) in the last year from 9.50% to 13.41%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Western New England Bancorp, Inc.'s short-term liabilities of $2.37G exceed its short-term assets of $51.93M, signaling financial risk
Decreasing performance - ROA.
Western New England Bancorp, Inc.'s return on assets of 0.64% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Western New England Bancorp, Inc.'s return on equity of 7.25%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Western New England Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Western New England Bancorp, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Western New England Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Western New England Bancorp, Inc. has a free cash flow yield of 5.88%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Western New England Bancorp, Inc.'s yearly earnings has increased 30.88% since last year from $11.67M to $15.27M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Western New England Bancorp, Inc.'s yearly revenue has increased 5.77% since last year from $122.74M to $129.83M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 0.63% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Western New England Bancorp, Inc.'s 3-year revenue CAGR of 9.36% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Western New England Bancorp, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Western New England Bancorp, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Western New England Bancorp, Inc. is overvalued relative to its fair value price of 5.91 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Western New England Bancorp, Inc. has an earnings yield of 6.13%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Western New England Bancorp, Inc. is overvalued relative to its fair value price of 5.06 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Western New England Bancorp, Inc. has an EV/EBITDA ratio of 15.47x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Western New England Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Western New England Bancorp, Inc. has a price-to-book ratio of 1.17x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Western New England Bancorp, Inc. has a price-to-sales ratio of 2.20x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue