Western New England Bancorp Inc (WNEB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Western New England Bancorp Inc stock $8.96, price $13.69, that is 34.6% below the price, quality 56 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Western New England Bancorp Inc
WNEB · USOur calculation puts a fair price 35% below what the stock costs today.
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69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range $5.15 – $14.81 · fair‑value band $7.94 – $11.68 · the $13.69 price screens above the $8.96 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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Company profile
Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides various commercial and retail banking products and services to individuals and companies.
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It 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.
The company 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, it 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.
Stock analysis
Western New England Bancorp Inc (WNEB) currently trades at $13.69, while our model-based Fair Value estimate is $8.96, 35% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $10.58 per share, and 0 of the 6 models we run sit above the $13.69 price.
Bear case: the Dividend Discount group reads lowest at $3.33, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $7.94 (bear) to $11.68 (bull), the price of $13.69 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Western New England Bancorp Inc reported revenue of $130M in FY2025 versus $92.4M in FY2021, a compound +8.9%/yr. Reported net income was $15.3M in FY2025, compounding −10.4%/yr from FY2021.
Key figures
Market cap $274M Micro · P/E ratio 13.8 · P/S ratio 3.19 · EPS (TTM) $0.9900 · Dividend yield 2.0% · Net margin 21.9% · Return on equity 8.1% · Return on assets (EBIT) 0.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (medium confidence).
What moves the price
The share trades about 8% below its 52-week high and 22% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −35%, WNEB screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors sold shares worth $142,689 and none bought.
- SaleLeo R Sagan JrSVP & Chief Risk Officer3,490 shares at $13.61$47,499Sep 10, 2026
- SalePhilip R SmithDirector2× since Feb 27, 2026: 6,300 shares, avg. $13.54$85,314Sep 2, 2026
- SaleDarlene M LibiszewskiSVP, Chief Information Officer3,680 shares at $13.42$49,386May 20, 2026
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
WNEB screens overvalued: fair value 35% below the price. Compare with China Merchants Bank Co →
Compare Western New England Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs WNEB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs WNEB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs WNEB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs WNEB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs WNEB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs WNEB |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs WNEB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs WNEB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs WNEB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs WNEB |
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Frequently asked questions
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Key figures of Western New England Bancorp Inc
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