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Upturn AI SWOT - About
WNEB 
Western New England Bancorp Inc (WNEB)
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Upturn Advisory Summary
10/31/2025: WNEB (2-star) is currently NOT-A-BUY. Pass it for now.
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 $12.75
1 Year Target Price $12.75
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 55.05% | Avg. Invested days 59 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 232.99M USD | Price to earnings Ratio 19.27 | 1Y Target Price 12.75 |
Price to earnings Ratio 19.27 | 1Y Target Price 12.75 | ||
Volume (30-day avg) 3 | Beta 0.87 | 52 Weeks Range 7.53 - 12.80 | Updated Date 11/2/2025 |
52 Weeks Range 7.53 - 12.80 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 2.45% | Basic EPS (TTM) 0.59 |
Earnings Date
Report Date 2025-10-28 | When After Market | Estimate 0.19 | Actual 0.16 |
Profitability
Profit Margin 16.88% | Operating Margin (TTM) 22.88% |
Management Effectiveness
Return on Assets (TTM) 0.5% | Return on Equity (TTM) 5.51% |
Valuation
Trailing PE 19.27 | Forward PE 12.85 | Enterprise Value 268308368 | Price to Sales(TTM) 2.95 |
Enterprise Value 268308368 | Price to Sales(TTM) 2.95 | ||
Enterprise Value to Revenue 4.74 | Enterprise Value to EBITDA - | Shares Outstanding 20491966 | Shares Floating 14922413 |
Shares Outstanding 20491966 | Shares Floating 14922413 | ||
Percent Insiders 12.04 | Percent Institutions 64.04 |
Upturn AI SWOT
Western New England Bancorp Inc
Company Overview
History and Background
Western New England Bancorp, Inc. was founded in 1950 and operates as the holding company for Western New England Bank. The bank provides a variety of financial services to individuals and businesses throughout Western Massachusetts and Northern Connecticut.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, and other banking services to businesses, including commercial real estate lending.
- Retail Banking: Provides personal checking and savings accounts, mortgage loans, personal loans, and other retail banking services to individuals and families.
- Wealth Management: Offers trust and investment services.
Leadership and Structure
The company is led by a board of directors and executive management team. The organizational structure includes various departments responsible for different aspects of the business, such as lending, retail banking, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers commercial loans to businesses for various purposes. Market share data is not publicly available. Competitors include larger regional banks like People's United Bank and smaller community banks.
- Mortgage Loans: Provides mortgage loans to individuals for home purchases and refinancing. Market share data is not publicly available. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Retail Deposit Products: Includes checking, savings, and money market accounts. Market share data is not publicly available. Competitors include Bank of America and TD Bank.
Market Dynamics
Industry Overview
The banking industry is facing increasing regulatory scrutiny, changing customer preferences driven by technology, and intense competition from both traditional and non-traditional players, impacted by interest rate changes and overall economic health.
Positioning
Western New England Bancorp Inc positions itself as a community bank focused on providing personalized service and building long-term relationships with customers. Their competitive advantage lies in their local market expertise and customer service.
Total Addressable Market (TAM)
The TAM includes all banking services within Western Massachusetts and Northern Connecticut. Western New England Bancorp Inc is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Customer-focused approach
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on interest rate environment
- Limited resources for technology investment
Opportunities
- Expansion within existing markets
- Adoption of new technologies
- Increasing demand for local banking services
- Acquisition of smaller community banks
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- ALLY
- BOH
Competitive Landscape
Western New England Bancorp Inc faced competition from larger regional and national banks, as well as local credit unions. Its advantages included its local market expertise and customer-focused approach. Disadvantages included its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is unavailable as it is no longer trading but would require the last 5-10 years of data for revenue, net income, and market share.
Future Projections: Future projections are not available as WNEB is no longer a publicly traded company.
Recent Initiatives: Recent initiatives are difficult to ascertain, but would relate to attracting younger customers, investment in mobile banking and technology.
Summary
Western New England Bancorp Inc. was a community bank that served Western Massachusetts and Northern Connecticut. It had a strong local presence and focused on building long-term customer relationships. Its smaller size and limited geographic diversification were weaknesses. The bank was acquired and is no longer publicly traded.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings (historical)
- Company Website (historical)
- Industry Reports (historical)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and financial data may be estimates and subject to change. WNEB is no longer publicly traded; therefore, the data reflects its status prior to acquisition. No warranty is made as to accuracy.
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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