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Upturn AI SWOT - About
WNEB 
Western New England Bancorp Inc (WNEB)
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Upturn Advisory Summary
04/01/2025: WNEB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 35.94% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 194.21M USD | Price to earnings Ratio 16.71 | 1Y Target Price 10.17 |
Price to earnings Ratio 16.71 | 1Y Target Price 10.17 | ||
Volume (30-day avg) 62370 | Beta 0.7 | 52 Weeks Range 5.79 - 10.01 | Updated Date 04/2/2025 |
52 Weeks Range 5.79 - 10.01 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.99% | Basic EPS (TTM) 0.56 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.9% | Operating Margin (TTM) 24.64% |
Management Effectiveness
Return on Assets (TTM) 0.45% | Return on Equity (TTM) 4.93% |
Valuation
Trailing PE 16.71 | Forward PE 14.18 | Enterprise Value 256508368 | Price to Sales(TTM) 2.65 |
Enterprise Value 256508368 | Price to Sales(TTM) 2.65 | ||
Enterprise Value to Revenue 4.36 | Enterprise Value to EBITDA - | Shares Outstanding 20748500 | Shares Floating 16616792 |
Shares Outstanding 20748500 | Shares Floating 16616792 | ||
Percent Insiders 11.98 | Percent Institutions 58.22 |
Analyst Ratings
Rating 3 | Target Price 9.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Western New England Bancorp Inc
Company Overview
History and Background
Western New England Bancorp, Inc. was founded in 1868 as the Hampden Savings Bank. It has grown through acquisitions and organic expansion, evolving into a full-service financial institution.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposit accounts, and cash management services to businesses.
- Retail Banking: Offers retail banking products and services, such as checking and savings accounts, mortgage loans, and consumer loans to individuals and families.
- Wealth Management: Provides wealth management and trust services to individuals and institutions.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure consists of various departments responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans include term loans, lines of credit, and real estate financing for businesses. Market share information is difficult to accurately obtain on a granular level. Competitors include larger national banks and other regional banks.
- Mortgage Loans: Offers various mortgage products for residential properties. Market share data isn't readily available. Competitors include national mortgage lenders and credit unions.
- Checking and Savings Accounts: Provides standard checking and savings products for retail customers. Competitors include national banks, online banks, and credit unions. Market share data isn't readily available
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. The industry is also experiencing consolidation.
Positioning
Western New England Bancorp, Inc. is a regional bank positioned to serve the needs of businesses and individuals in its geographic footprint. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Western New England is substantial, encompassing both commercial and retail banking needs. WNEB is positioned to serve a portion of this market with its regional focus.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Diversified product offerings
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on traditional banking model
- Exposure to regional economic conditions
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Increased demand for wealth management services
- Acquisition of smaller banks
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- MTB
- CFG
- FHB
Competitive Landscape
WNEB faces competition from larger national banks and other regional banks. Its competitive advantage lies in its local market knowledge and customer relationships, but it may lack the scale and resources of larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical Growth information requires financial data.
Future Projections: Future Projections requires financial data.
Recent Initiatives: Recent Initiatives are difficult to acquire without recent source data.
Summary
Western New England Bancorp is a regional bank with a strong local presence. Its strengths lie in its customer relationships and market knowledge, but its smaller size and limited geographic reach pose challenges. To thrive, the company needs to embrace digital banking technologies and explore opportunities for expansion and acquisitions.
Similar Companies
CFG
Citizens Financial Group, Inc.
CFG
Citizens Financial Group, Inc.
FHB
First Hawaiian Inc
FHB
First Hawaiian Inc
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Third Party Financial Data Providers
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change over time.
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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