Western New England Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Western New England Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 8%
Sales fell 8% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-8% / +7%In 3 years sales changed by -8% while total assets changed by +7%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 82% of Financial Services companies in United States.
Tangible Net Worth Ratio
95%Of every $100 of net worth, $95 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 76% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Western New England Bancorp, Inc. owes $0.91 for every $1 it owns. Net profit rose 31% in the year to Dec 2025, and shrank 16% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
16.7Investors pay $16.7 for every $1 of Western New England Bancorp, Inc.'s yearly profit, higher than 70% of Financial Services companies in United States.
P/B ratio
1.12The share price is 1.12 times Western New England Bancorp, Inc.'s book value per share, lower than 63% of Financial Services companies in United States.
Market cap
$278 MThe total market value of all of Western New England Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 75% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$248 MWhat Western New England Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$12.39Net worth divided by the number of shares. The share price of $13.88 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
6.9%Western New England Bancorp, Inc. earned 6.9% on its shareholders' money over the last year, lower than 70% of Financial Services companies in United States.
Owes vs Owns
0.91×Western New England Bancorp, Inc. owes $0.91 for every $1 it owns (high), higher than 86% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.03%Western New England Bancorp, Inc. pays 2.03% of its share price as dividends a year, lower than 70% of dividend-paying Financial Services companies in United States.
Revenue growth
+14%Revenue rose 14% in the year to Dec 2025, and shrank 3% a year on average over 3 years.
Profit growth
+31%Net profit rose 31% in the year to Dec 2025, and shrank 16% a year on average over 3 years.
Profit margin
18.5%Western New England Bancorp, Inc. keeps $18 of every $100 of revenue as net profit.
Questions
What is Western New England Bancorp, Inc.'s P/E ratio?
Investors pay $16.7 for every $1 of Western New England Bancorp, Inc.'s yearly profit, higher than 70% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Western New England Bancorp, Inc.: $278 M ÷ $248 M (30 Jun 2026) = 1.1.
What is Western New England Bancorp, Inc.'s return on equity?
Western New England Bancorp, Inc. earned 6.9% on its shareholders' money over the last year, lower than 70% of Financial Services companies in United States.
How much does Western New England Bancorp, Inc. owe compared with what it owns?
Western New England Bancorp, Inc. owes $0.91 for every $1 it owns (high), higher than 86% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Western New England Bancorp, Inc. pay a dividend?
Yes. Western New England Bancorp, Inc. pays 2.03% of its share price as dividends a year, lower than 70% of dividend-paying Financial Services companies in United States.
Is Western New England Bancorp, Inc.'s revenue growing?
Revenue rose 14% in the year to Dec 2025, and shrank 3% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.