WNEB · Western New England Bancorp, Inc.
$13.76
-0.03 (-0.22%)
At close · Aug 21
Market Cap
$275.83M
Shares
20.05M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$13.76
Open$13.84
Day$13.72–13.97
52W close$10.86–14.81
Avg vol 30d55K
Short int271K · 1.4% float · 5.4d
Short vol61%
Last earningsJan 27, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Buy
Momentum
Neutral
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+3%
above
Price vs 50-day avg
−2%
below
RSI (14)
47
neutral
MACD trend
Positive
52-week position
73%
mid-range
Volume (OBV)
Bullish div.
accumulating
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+6%
trailing
YTD return
+9%
this year
Relative strength
−5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $14 › 200d $13 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +11 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
1.35% of float · ▲ +5.3% MoM · 5.4 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
99 holders — near 3-yr high, broad support
Squeeze score
46
elevated · 0–100
Fundamentals
Revenue growth
−34%
Y/Y
EPS growth
+34%
Y/Y
Free cash flow
$17.1M
Valuation
P/E 16.4
rich
Balance sheet
$51.4M
net debt
Quant / Vol
risk profile
Volatility
27%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
3.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+3%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
47
Neutral
MACD trend
Positive
Bullish
52-week position
73%
Neutral
Volume (OBV)
Bullish div.
Bullish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $14 › 200d $13 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +11 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
1.35% of float · ▲ +5.3% MoM · 5.4 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
99 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $11
Now $14 · 73%
Range high $15
vs 200-day avg +3%
vs 50-day avg -2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted efficiency ratio non-GAAP | 72.2% | the three months ended June 30, 2026 filing | — |
| Average cost of interest-bearing liabilities | 2.45% | the three months ended June 30, 2026 filing | — |
| Net charge-offs as a percentage of average loans | 0.33% | the three months ended June 30, 2026 filing | — |
| Net interest margin, on a tax equivalent basis | 3.02% | the three months ended June 30, 2026 filing | — |
| Net interest rate spread | 2.33% | the three months ended June 30, 2026 filing | — |
| Non-interest-bearing deposits as a percentage of total deposits | 24.9% | the three months ended June 30, 2026 filing | — |
| Ratio of average interest-earning assets to average interest-bearing liabilities | 137.69% | the three months ended June 30, 2026 filing | — |
| Adjusted efficiency ratio (non-GAAP) non-GAAP | 72.15% | Three Months Ended June 30, 2026 | — |
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| Adjusted net interest income (non-GAAP) non-GAAP | $19.24M | Three Months Ended June 30, 2026 | — |
| Adjusted net interest margin, excluding prepayment penalties (no tax adjustment) (non-GAAP) non-GAAP | 2.98% | Three Months Ended June 30, 2026 | — |
| Allowance for credit losses as a percentage of nonaccrual loans | 260.2% | June 30, 2026 | — |
| Allowance for credit losses as a percentage of total loans | 0.92% | June 30, 2026 | — |
| Assets under management | 256.6M | Q2 2026 | — |
| Average cost of borrowings | 4.91% | six months ended June 30, 2026 | — |
| Average cost of core deposits | 1.02% | six months ended June 30, 2026 | — |
| Average cost of time deposits | 3.4% | six months ended June 30, 2026 | — |
| Average cost of total funds | 1.86% | the three months ended June 30, 2026 | — |
| Average loan yield | 5.12% | the three months ended June 30, 2026 | — |
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| Average loan yield (no tax adjustment), excluding prepayment penalties (non-GAAP) non-GAAP | 5.11% | Three Months Ended June 30, 2026 | — |
| Average loan yield (tax-equivalent basis), excluding prepayment penalties (non-GAAP) non-GAAP | 5.13% | Three Months Ended June 30, 2026 | — |
| Average yield on interest-earning assets | 4.77% | the three months ended June 30, 2026 | — |
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| Common Equity Tier 1 Capital (to Risk Weighted Assets) | 12.2% | June 30, 2026 | — |
| Efficiency ratio | 72% | six months ended June 30, 2026 | — |
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| Net interest margin | 3% | the three months ended June 30, 2026 | — |
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| Net interest margin (no tax adjustment) | 2.97% | 6/30/2026 | — |
| Net interest margin (tax-equivalent basis) | 2.99% | 6/30/2026 | — |
| Net interest margin, excluding prepayment penalties (no tax adjustment) (non-GAAP) non-GAAP | 2.96% | 6/30/2026 | — |
| Net interest margin, on a fully tax-equivalent basis | 3.02% | Three Months Ended June 30, 2026 | — |
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| Net interest margin, on a tax-equivalent basis | 3.02% | the three months ended June 30, 2026 | — |
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| Nonaccrual loans as a percentage of total loans | 0.35% | June 30, 2026 | — |
| Nonperforming assets to total assets | 0.28% | June 30, 2026 | — |
| Return on average assets | 0.53% | the three months ended June 30, 2026 | — |
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| Return on average equity | 5.84% | the three months ended June 30, 2026 | — |
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| Shares of common stock available for repurchase under the 2025 Plan | 491,465 | As of June 30, 2026 | — |
| Shares outstanding at end of period | 20,045,872 | June 30, 2026 | — |
| Tangible book value per share (non-GAAP) non-GAAP | $11.72 | Three Months Ended June 30, 2026 | — |
| Tier 1 Capital (to Risk Weighted Assets) | 12.2% | June 30, 2026 | — |
| Tier 1 Leverage Ratio (to Adjusted Average Assets) | 9.18% | June 30, 2026 | — |
| Total Capital (to Risk Weighted Assets) | 13.96% | June 30, 2026 | — |
| Total delinquency as a percentage of total loans | 0.21% | June 30, 2026 | — |
| Total loans as a percentage of total assets | 80.2% | June 30, 2026 | — |
| Average cost of deposits | 1.72% | first quarter of 2026 | — |
| Core deposits as a percentage of total deposits | 70.2% | first quarter of 2026 | — |
| Non-interest bearing deposits as a percentage of total deposits | 25.1% | first quarter of 2026 | — |
| Loan-to-deposit ratio | 92.5% | December 31, 2025 | — |
| Shares available for repurchase under the 2025 Plan | 872,465 | December 31, 2025 | — |
| Tangible book value per share non-GAAP | $11.49 | twelve months ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
WNEB
this stock
Western New England Bancorp, Inc.
|
$275.83M | +9.0% | -34.3% | 16.4 | 1.4% |
|
MFG
Mizuho Financial Group Inc
|
$124.89B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.23B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$101.11B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| WNEB | -0.7% | -3.4% | +6.3% | +6.4% | +9.0% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | +0.7% | -7.1% | -5.3% | +3.9% | -3.3% |
Capital returns
Latest dividend
$0.07
/ share · ex Aug 12, 2026
Paid (TTM)
$0.28
/ share · 4 payouts
Dividend yield (TTM, derived)
2.03%
Buyback program
· as of Dec 31, 2025
Authorized
shares 1.00M
Spent (derived)
shares 127,535
Remaining
shares 872,465
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1157647
CUSIP
958892101
13F (30d)
90 filings
89 filers
Visit website
Investor relations