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Upturn AI SWOT - About
WNEB 
Western New England Bancorp Inc (WNEB)
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Upturn Advisory Summary
08/14/2025: WNEB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $11.67
1 Year Target Price $11.67
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 57.88% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 240.37M USD | Price to earnings Ratio 19.88 | 1Y Target Price 11.67 |
Price to earnings Ratio 19.88 | 1Y Target Price 11.67 | ||
Volume (30-day avg) 3 | Beta 0.8 | 52 Weeks Range 7.53 - 11.99 | Updated Date 08/15/2025 |
52 Weeks Range 7.53 - 11.99 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.36% | Basic EPS (TTM) 0.59 |
Earnings Date
Report Date 2025-07-22 | When After Market | Estimate 0.14 | Actual 0.23 |
Profitability
Profit Margin 15.89% | Operating Margin (TTM) 29.59% |
Management Effectiveness
Return on Assets (TTM) 0.46% | Return on Equity (TTM) 5.08% |
Valuation
Trailing PE 19.88 | Forward PE 17.01 | Enterprise Value 266290176 | Price to Sales(TTM) 3.16 |
Enterprise Value 266290176 | Price to Sales(TTM) 3.16 | ||
Enterprise Value to Revenue 4.79 | Enterprise Value to EBITDA - | Shares Outstanding 20492000 | Shares Floating 14821865 |
Shares Outstanding 20492000 | Shares Floating 14821865 | ||
Percent Insiders 12.04 | Percent Institutions 68.11 |
Upturn AI SWOT
Western New England Bancorp Inc
Company Overview
History and Background
Western New England Bancorp, Inc. was founded in 1987 as the holding company for Westfield Bank. It has grown through organic expansion and acquisitions, focusing on serving the Western Massachusetts and Northern Connecticut regions.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, business lines of credit, and treasury management services.
- Retail Banking: Offers deposit accounts, mortgages, consumer loans, and other financial services to individuals and families.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and businesses.
Leadership and Structure
The company is led by a Board of Directors and a senior management team. The organizational structure includes various departments responsible for different business areas, such as lending, retail banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the purchase, refinance, or construction of commercial properties. Market share data specific to WNEB is not readily available. Competitors include regional and national banks like Berkshire Hills Bancorp (BHLB) and Bank of America (BAC). Revenue from commercial real estate loans comprises a significant portion of WNEB's total revenue.
- Residential Mortgages: Mortgages for the purchase or refinance of residential properties. Market share data is not readily available. Competitors include national mortgage lenders like Rocket Companies (RKT) and local credit unions.
- Business Lines of Credit: Revolving credit facilities for businesses to manage working capital and other short-term financing needs. Market share data specific to WNEB is not readily available. Competitors include regional and national banks like Berkshire Hills Bancorp (BHLB) and Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from fintech companies. Regional banks face challenges related to scale and technology investment.
Positioning
Western New England Bancorp, Inc. positions itself as a community-focused bank providing personalized service and local expertise. Its competitive advantage lies in its strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in Western Massachusetts and Northern Connecticut is estimated to be in the billions of dollars. WNEB's positioning allows it to capture a portion of this market by focusing on local relationships and customized solutions.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid customer relationships
- Conservative lending practices
- High capital ratios
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on net interest income
- Slower technology adoption compared to fintech companies
Opportunities
- Expansion into new markets within the region
- Increased investment in technology to improve efficiency
- Acquisition of smaller community banks
- Growth in wealth management services
- Increased digital banking adoption
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BHLB
- NBTB
- CFBK
Competitive Landscape
WNEB faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantages include local expertise and personalized service, while its disadvantages include smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Review of historical financial performance to identify growth trends and factors driving that growth.
Future Projections: Analyst estimates for future revenue, earnings, and growth rates. These can vary widely.
Recent Initiatives: Examples include new branch openings, technology upgrades, and strategic acquisitions.
Summary
Western New England Bancorp, Inc. is a stable community bank with a strong local presence. Its focus on relationship banking and conservative lending practices has contributed to its success. However, it faces challenges from larger competitors and the evolving financial landscape. Technology adoption and geographic diversification are key areas for improvement.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (if available)
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and competitor information are estimates based on available information and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Western New England Bancorp Inc
Exchange NASDAQ | Headquaters Westfield, MA, United States | ||
IPO Launch date 2002-05-02 | President, CEO & Director Mr. James C. Hagan | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 286 | Website https://www.westfieldbank.com |
Full time employees 286 | Website https://www.westfieldbank.com | ||
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 companies. The company offers various deposit products, including commercial, small business, nonprofit and municipal checking, money market, sweep accounts, time deposits, interest-bearing and noninterest-bearing checking, and individual retirement accounts, as well as certificates of deposit. It also originates and funds commercial and residential real estate loans, including first mortgages, home equity loans, and home equity lines, and secured by one-to-four family residential properties; home equity revolving loans and lines of credit; consumer loans, including automobile, spa and pool, collateral, and personal lines of credit; commercial and industrial loans, such as letters of credit, revolving lines of credit, working capital, equipment financing, and term loans; and construction and land development loans. 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. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. The company was founded in 1853 and is headquartered in Westfield, Massachusetts.
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