Western New England Bancorp financials
$13.83−1.00%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $131.1M | $122.7M | $112.0M | $99.3M | $92.4M | $91.1M | $91.8M | $88.2M | $82.5M | $54.6M |
| Gross profit | $82.6M | $72.7M | $78.8M | $92.6M | $85.7M | $72.7M | $67.7M | $69.2M | $67.9M | $43.3M |
| Gross margin | 63.0% | 59.2% | 70.4% | 93.3% | 92.8% | 79.8% | 73.7% | 78.5% | 82.3% | 79.3% |
| Operating income | $19.8M | $15.0M | $19.6M | $34.6M | $31.7M | $14.2M | $17.2M | $21.1M | $21.7M | $7.4M |
| Net income | $15.3M | $11.7M | $15.1M | $25.9M | $23.7M | $11.2M | $13.3M | $16.4M | $12.3M | $4.8M |
| Net margin | 11.6% | 9.5% | 13.5% | 26.1% | 25.6% | 12.3% | 14.5% | 18.6% | 14.9% | 8.9% |
| Diluted EPS | $0.75 | $0.56 | $0.70 | $1.18 | $1.02 | $0.45 | $0.51 | $0.57 | $0.41 | $0.24 |
| EBITDA | $19.8M | $15.0M | $19.6M | $34.6M | $31.8M | $14.2M | $17.2M | $21.1M | $22.3M | $11.5M |
| Operating cash flow | $18.2M | $12.2M | $14.8M | $37.0M | $28.8M | $25.1M | $15.4M | $24.6M | $18.9M | $930.0K |
| Free cash flow | $17.1M | $11.0M | $11.9M | $35.9M | $25.4M | $21.6M | $14.1M | $21.4M | $17.1M | -$537.0K |
| Diluted shares | 20.3M | 21.0M | 21.6M | 21.9M | 23.3M | 25.1M | 26.3M | 29.0M | 30.0M | 19.8M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $19.9M | $18.8M | $20.8M | $25.6M | $15.2M | $17.4M |
| Short-term investments | $391.1M | $419.6M | $372.4M | $391.5M | $519.3M | $289.1M |
| Total debt | $106.1M | $123.1M | $156.5M | $62.2M | $22.3M | $58.0M |
| Total assets | $2.74B | $2.65B | $2.56B | $2.55B | $2.54B | $2.37B |
| Total liabilities | $2.49B | $2.42B | $2.33B | $2.33B | $2.31B | $2.14B |
| Shareholders' equity | $247.6M | $235.9M | $237.4M | $228.1M | $223.7M | $226.6M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology