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Upturn AI SWOT - About
WNEB 
Western New England Bancorp Inc (WNEB)
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Upturn Advisory Summary
06/30/2025: WNEB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $10.33
1 Year Target Price $10.33
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 31.72% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 190.54M USD | Price to earnings Ratio 17.36 | 1Y Target Price 10.33 |
Price to earnings Ratio 17.36 | 1Y Target Price 10.33 | ||
Volume (30-day avg) 3 | Beta 0.75 | 52 Weeks Range 6.43 - 9.93 | Updated Date 06/30/2025 |
52 Weeks Range 6.43 - 9.93 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.04% | Basic EPS (TTM) 0.53 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.09% | Operating Margin (TTM) 18.72% |
Management Effectiveness
Return on Assets (TTM) 0.42% | Return on Equity (TTM) 4.65% |
Valuation
Trailing PE 17.36 | Forward PE 14.41 | Enterprise Value 200217120 | Price to Sales(TTM) 2.61 |
Enterprise Value 200217120 | Price to Sales(TTM) 2.61 | ||
Enterprise Value to Revenue 4.29 | Enterprise Value to EBITDA - | Shares Outstanding 20711000 | Shares Floating 15064407 |
Shares Outstanding 20711000 | Shares Floating 15064407 | ||
Percent Insiders 11.92 | Percent Institutions 58.43 |
Analyst Ratings
Rating 2 | Target Price 10.33 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Western New England Bancorp Inc
Company Overview
History and Background
Western New England Bancorp, Inc. was founded in 1868 as the Hampden Savings Bank in Springfield, Massachusetts. It evolved from a mutual savings bank to a stock holding company, focusing on community banking in the Western New England region.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products and services to businesses, including term loans, lines of credit, and commercial real estate financing.
- Retail Banking: Provides traditional retail banking services such as checking accounts, savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Offers wealth management services, including financial planning, investment management, and trust services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives overseeing various departments. The organizational structure is typical of a community bank, with retail, commercial, and wealth management divisions reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available at a granular level, but competition includes larger regional banks and national lenders. Competitors: Bank of America, TD Bank.
- Residential Mortgages: Offers mortgage products for homebuyers. Market share varies by local market conditions and competition from mortgage lenders and credit unions. Competitors: Wells Fargo, US Bank.
Market Dynamics
Industry Overview
The banking industry is currently navigating a rising interest rate environment, increased regulatory scrutiny, and increasing competition from fintech companies.
Positioning
Western New England Bancorp Inc. is positioned as a community bank focusing on personalized service and local relationships.
Total Addressable Market (TAM)
The TAM is estimated to be several billion dollars within its geographical footprint. Western New England Bancorp Inc. holds a small fraction of the TAM, indicating room for growth.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets within Western New England
- Increased investment in technology to improve customer service
- Strategic acquisitions of smaller banks or financial institutions
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Regulatory changes
Competitors and Market Share
Key Competitors
- People's United Financial Inc. (PBCT)
- Berkshire Hills Bancorp, Inc. (BHLB)
- Eastern Bankshares, Inc. (EBC)
Competitive Landscape
Western New England Bancorp Inc faces stiff competition from larger regional banks and smaller community banks. Its advantage lies in its local focus and customer service, while disadvantages include limited scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require current and historical financial data which I cannot perform.
Future Projections: Future growth projections based on analyst estimates requires access to those estimates which I cannot perform.
Recent Initiatives: Recent strategic initiatives require continuous monitoring of company news and announcements which I cannot perform.
Summary
Western New England Bancorp is a community bank with a strong local presence. It faces challenges from larger competitors and economic conditions, but its customer relationships and focus on the local market are strengths. Growth opportunities exist through expansion and technology investments. Careful management of interest rate risk and regulatory compliance is necessary.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- SEC Filings
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly. Financial data is illustrative.
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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