Shares Outstanding Shares Outstanding n/a Close	20.71M
Shares Change (YoY) Shares Change (YoY) n/a Close	-4.07%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	-1.28%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	56.95%
Shares Floating Shares Floating n/a Close	n/a
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	1,097
FTD / Avg. Volume FTD / Avg. Volume n/a Close	1.7%

Short Selling Information

The latest short interest is 90.45K, so 0.44% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	90.45K
Short % of Shares Out Short % of Shares Out n/a Close	0.44%
Short % of Float Short % of Float n/a Close	0.5%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	1.44

Valuation Ratios

The PE ratio is 16.48 and the forward PE ratio is 11.69. Western New England Bancorp's PEG ratio is -0.82.

PE Ratio PE Ratio n/a Close	16.48
Forward PE Forward PE n/a Close	11.69
PS Ratio PS Ratio n/a Close	1.94
Forward PS Forward PS n/a Close	2.3
PB Ratio PB Ratio n/a Close	0.82
P/FCF Ratio P/FCF Ratio n/a Close	17.52
PEG Ratio PEG Ratio n/a Close	-0.82

Financial Ratio History

Enterprise Valuation

Western New England Bancorp has an Enterprise Value (EV) of 296.59M.

EV / Sales EV / Sales n/a Close	3
EV / EBITDA EV / EBITDA n/a Close	16.89
EV / EBIT EV / EBIT n/a Close	24.37
EV / FCF EV / FCF n/a Close	27.03

Financial Position

The company has a current ratio of 0.08, with a Debt / Equity ratio of 0.52.

Current Ratio Current Ratio n/a Close	0.08
Quick Ratio Quick Ratio n/a Close	0.08
Debt / Equity Debt / Equity n/a Close	0.52
Debt / EBITDA Debt / EBITDA n/a Close	7.01
Debt / FCF Debt / FCF n/a Close	11.22
Interest Coverage Interest Coverage n/a Close	0.3

Financial Efficiency

Return on Equity is 4.95% and Return on Invested Capital is -0.58%.

Return on Equity Return on Equity n/a Close	4.95%
Return on Assets Return on Assets n/a Close	0.44%
Return on Invested Capital Return on Invested Capital n/a Close	-0.58%
Revenue Per Employee Revenue Per Employee n/a Close	$345,797.2
Profits Per Employee Profits Per Employee n/a Close	$40,790.21
Employee Count Employee Count n/a Close	286
Asset Turnover Asset Turnover n/a Close	0.04
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	3.29M
Effective Tax Rate Effective Tax Rate n/a Close	22%

Stock Price Statistics

The stock price has increased by 40.46% in the last 52 weeks. The beta is 0.75, so Western New England Bancorp's price volatility has been higher than the market average.

Beta Beta n/a Close	0.75
52-Week Price Change 52-Week Price Change n/a Close	40.46%
50-Day Moving Average 50-Day Moving Average n/a Close	9.09
200-Day Moving Average 200-Day Moving Average n/a Close	9.04
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	45.48
Average Volume (20 Days) Average Volume (20 Days) n/a Close	64,468

Income Statement

In the last 12 months, Western New England Bancorp had revenue of 98.9M and earned 11.67M in profits. Earnings per share was 0.56.

Revenue Revenue n/a Close	98.9M
Gross Profit Gross Profit n/a Close	73.39M
Operating Income Operating Income n/a Close	14.96M
Net Income Net Income n/a Close	11.67M
EBITDA EBITDA n/a Close	17.56M
EBIT EBIT n/a Close	14.96M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	0.56

Full Income Statement

Balance Sheet

The company has 18.82M in cash and 123.14M in debt, giving a net cash position of -104.32M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	18.82M
Total Debt Total Debt n/a Close	123.14M
Net Cash Net Cash n/a Close	-104.32M
Retained Earnings Retained Earnings n/a Close	142.75M
Total Assets Total Assets n/a Close	2.71B
Working Capital Working Capital n/a Close	-2.21B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 12.17M and capital expenditures -1.2M, giving a free cash flow of 10.97M.

Operating Cash Flow Operating Cash Flow n/a Close	12.17M
Capital Expenditures Capital Expenditures n/a Close	-1.2M
Free Cash Flow Free Cash Flow n/a Close	10.97M
FCF Per Share FCF Per Share n/a Close	0.53

Full Cash Flow Statement

Margins

Gross margin is 74.21%, with operating and profit margins of 15.13% and 11.8%.

Gross Margin Gross Margin n/a Close	74.21%
Operating Margin Operating Margin n/a Close	15.13%
Pretax Margin Pretax Margin n/a Close	15.12%
Profit Margin Profit Margin n/a Close	11.8%
EBITDA Margin EBITDA Margin n/a Close	17.76%
EBIT Margin EBIT Margin n/a Close	15.13%
FCF Margin FCF Margin n/a Close	11.1%

Dividends & Yields

WNEB pays an annual dividend of $0.35, which amounts to a dividend yield of 2.99%.

Dividend Per Share Dividend Per Share n/a Close	$0.35
Dividend Yield Dividend Yield n/a Close	2.99%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	0%
Payout Ratio Payout Ratio n/a Close	66.04%
Earnings Yield Earnings Yield n/a Close	6.07%
FCF Yield FCF Yield n/a Close	5.71%

Dividend Details

Analyst Forecast

The average price target for WNEB is $9.75, which is 6% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$9.75
Price Target Difference Price Target Difference n/a Close	6%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$2.8
Lynch Upside Lynch Upside n/a Close	-69.57%
Graham Number Graham Number n/a Close	11.91
Graham Upside Graham Upside n/a Close	29.46%

Stock Splits

The last stock split was on Jan 4, 2007. It was a forward split with a ratio of 164069:50000.

Last Split Date Last Split Date n/a Close	Jan 4, 2007
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	164069:50000

Scores

Altman Z-Score Altman Z-Score n/a Close	-0.8
Piotroski F-Score Piotroski F-Score n/a Close	7