Western New Competitors

WNEB Stock

USD 13.86 0.12 0.87%

The company conducts business in the Banks sector. Western New England is grouped alongside Investar Holding, First Western, First United, Oak Valley, and Chemung Financial for cross-company financial comparison. Book value growth for Western New versus peers tracks which companies are building long-term equity value.

Pair Correlation for Western New and Bank Of Princeton Snapshot

Poor diversification

Across the chosen horizon, Western New and Bank Of Princeton show a correlation of 0.69 and fall into the Poor diversification bucket. The overlap area shows the portion of risk diversified away by holding both instruments together.

Moving together with Western Stock

0.62	BIRG	Bank of Ireland Earnings Call This Week	Pair Corr
0.85	AX	Axos Financial	Pair Corr
0.8	RF	Regions Financial	Pair Corr

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Mean reversion is the tendency of Western New's price to return to its historical average after periods of extreme deviation. Some analysts monitor this tendency by comparing Western New's price extremes to fundamental value.

Sentiment

Range

Low	Sentiment	High
12.34	13.74	15.14

Details

Intrinsic

Valuation

Low	Intrinsic	High
9.42	10.82	15.25

Details

Naive

Forecast

Low	Next	High
12.23	13.63	15.04

Details

Analyst

Consensus

Low	Target	High
13.04	14.33	15.91

Details

Western New is positioned within its peer group by benchmarking margins, returns, and multiples. This peer-relative view identifies where Western New leads, trails, or tracks its competitive set.

Western New Competition Correlation Matrix

Reviewing how Western New England moves relative to competing stocks can show whether peer exposure is reducing portfolio risk or simply repeating the same market bet. The useful question is whether competitors are behaving like true alternatives or simply tracking the same sector move with different volatility.

	ISTR	MYFW	FUNC	OVLY	CHMG	FVCB	LCNB	CFFI	BPRN
ISTR		0.66	0.54	0.62	0.7	0.88	0.81	0.8	0.69	ISTR
MYFW	0.66		0.73	0.72	0.72	0.66	0.55	0.65	0.72	MYFW
FUNC	0.54	0.73		0.41	0.71	0.5	0.44	0.65	0.82	FUNC
OVLY	0.62	0.72	0.41		0.66	0.73	0.46	0.7	0.38	OVLY
CHMG	0.7	0.72	0.71	0.66		0.71	0.53	0.73	0.67	CHMG
FVCB	0.88	0.66	0.5	0.73	0.71		0.67	0.82	0.55	FVCB
LCNB	0.81	0.55	0.44	0.46	0.53	0.67		0.59	0.64	LCNB
CFFI	0.8	0.65	0.65	0.7	0.73	0.82	0.59		0.59	CFFI
BPRN	0.69	0.72	0.82	0.38	0.67	0.55	0.64	0.59		BPRN
	ISTR	MYFW	FUNC	OVLY	CHMG	FVCB	LCNB	CFFI	BPRN

Risk-Adjusted Indicators

Headline performance for Western Stock may not fully reflect how the business compares across its competitive set. Peer-relative risk metrics add context on drawdown behavior, consistency, and return quality. These indicators are quantitative in nature and measure volatility and risk-adjusted expected returns across different positions.

	Mean Deviation	Jensen Alpha	Sortino Ratio	Treynor Ratio	Semi Deviation	Expected Shortfall	Potential Upside	Value @Risk	Maximum Drawdown
ISTR	1.08	-0.01	0.00	-0.01	1.50	-1.12	2.06	-2.45	8.43
MYFW	1.20	-0.04	0.00	-0.06	0.00	0.00	2.36	-2.07	8.81
FUNC	1.07	-0.04	0.00	-0.07	0.00	0.00	2.40	-2.16	6.53
OVLY	0.92	0.09	0.07	0.11	1.07	-0.99	2.06	-1.99	5.05
CHMG	1.80	0.27	0.13	0.34	1.91	-2.07	3.44	-3.65	10.23
FVCB	0.93	0.06	0.05	0.07	1.05	-1.00	2.21	-2.03	4.86
LCNB	1.35	-0.08	0.00	-0.09	0.00	0.00	2.69	-2.77	8.30
CFFI	1.59	0.07	0.04	0.11	1.96	-1.67	3.64	-2.95	9.04
BPRN	1.12	-0.07	0.00	-0.09	0.00	0.00	2.98	-2.58	6.46

Peer Comparison: Net Income

Net income is what remains after all costs — operating expenses, interest, taxes, and preferred dividends — are deducted from Western New's total revenue. The relationship between net income growth and revenue growth at Western New reveals whether margin expansion is driving earnings or whether top-line growth is being consumed by rising costs and financing charges.

Compare Western New England and related stocks such as Investar Holding Corp, First Western Financial, and First United Net Income Over Time

Select Fundamental

	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
ISTR	999 K	999 K	2.4 M	3.2 M	5.4 M	7.1 M	7.9 M	8.2 M	13.6 M	16.8 M	13.9 M	8 M	35.7 M	16.7 M	20.3 M	22.9 M	13.4 M
MYFW	11 M	11 M	11 M	11 M	11 M	2.6 M	2.3 M	2 M	5.6 M	8 M	24.5 M	20.6 M	21.7 M	5.2 M	8.5 M	13.2 M	11.5 M
FUNC	4.8 M	3.6 M	4.7 M	6.5 M	5.6 M	13 M	7.3 M	5.3 M	10.7 M	13.1 M	13.8 M	19.8 M	25 M	15.1 M	20.6 M	24.5 M	25.7 M
OVLY	1.7 M	5.9 M	5.8 M	5.9 M	7.1 M	4.9 M	7.7 M	9.1 M	11.5 M	12.5 M	13.7 M	16.3 M	22.9 M	30.8 M	24.9 M	23.9 M	25.1 M
CHMG	4.5 M	10.5 M	11 M	8.7 M	8.2 M	9.4 M	10 M	7.4 M	19.6 M	15.6 M	19.3 M	26.4 M	28.8 M	25 M	23.7 M	15.1 M	12.2 M
FVCB	809 K	692 K	1.5 M	2.2 M	4.1 M	5.4 M	6.9 M	7.7 M	10.9 M	15.8 M	15.5 M	21.9 M	25 M	3.8 M	15.1 M	22.1 M	23.2 M
LCNB	5.5 M	8.1 M	8.3 M	8.8 M	9.9 M	11.5 M	12.5 M	13 M	14.8 M	18.9 M	20.1 M	21 M	22.1 M	12.6 M	13.5 M	23.1 M	11.9 M
CFFI	4.1 M	13 M	16.4 M	14.4 M	12.3 M	12.5 M	13.5 M	6.6 M	18 M	18.9 M	22.1 M	28.7 M	29.2 M	23.6 M	19.8 M	26.8 M	14.5 M
BPRN	2.4 M	2.8 M	6.3 M	8.8 M	9 M	11 M	11.8 M	11 M	14.7 M	10.1 M	13.8 M	22.5 M	26.5 M	25.8 M	10.2 M	18.6 M	14.1 M

Western New Competitive Analysis

To gauge Western New's financial strength, comparing it with Investar Holding, First Western, and First United offers useful context. Western New is valued at 280.8 M and generates 129.8 M in revenue. A 6.32% return on equity and 18.56% net margin underscore Western New's earnings capacity. Investar Holding keeps more of each revenue dollar with a 26.73% margin versus 18.56% at Western New. The market prices Western New more richly at 15.61x earnings, while First Western trades at 8.03x. First United leads with 13.05% return on equity versus 6.32% for Western New.

Better Than Average

Worse Than Peers

View Performance Chart

	WNEB	ISTR	MYFW	FUNC	OVLY	CHMG	FVCB
	0.87 13.86 Western	1.09 27.71 Investar	1.34 26.39 First	0.58 38.18 First	0.62 33.78 Oak	0.80 66.83 Chemung	0.06 15.69 FVCBankcorp
Market Volatility (90 Days Market Risk)	Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low
Market Performance (90 Days Performance)	Moderate	Weak	Mild	Mild	Contained	Moderate	Contained
Odds of Financial Distress (Probability Of Bankruptcy)	Low	Low	Low	Low	Minimal	Minimal	Low
Current Valuation (Equity Enterprise Value)	Above Model Estimate	Above Model Estimate	Above Model Estimate	Below Model Estimate	Below Model Estimate	Above Model Estimate	Above Model Estimate
Buy or Sell Analysis (Average Analysts Consensus)	Buy	Strong Buy	Buy	Buy	Not Available	Buy	Hold
Trade Advice (90 Days Macroaxis Advice)	Buy	Hold	Cautious Hold	Hold	Buy	Strong Buy	Buy
Net Asset	2.74 B	2.83 B	3.15 B	2.09 B	2.03 B	2.71 B	2.29 B
Profit Margin	0.19	0.27	0.14	0.29	0.3	0.19	0.34
EBITDA	21.19 M	30.6 M	20.05 M	32.53 M	30.65 M	22.6 M	28.25 M
Operating Margin	0.31	0.44	0.17	0.41	0.41	0.42	0.46
Current Valuation	351.03 M	525.67 M	184.72 M	207.9 M	232.68 M	398.69 M	115.1 M
Price To Book	1.13 X	0.99 X	0.95 X	1.19 X	1.39 X	1.22 X	1.08 X
Retained Earnings	152.3 M	150.51 M	72.7 M	207.28 M	194.39 M	256.48 M	150.86 M
Five Year Return	2.17 %	1.12 %	N/A	N/A	1.58 %	2.64 %	N/A
Number Of Employees	292	431	320	315	217	348	119
Shares Outstanding	20.26 M	13.74 M	9.73 M	6.45 M	8.41 M	4.82 M	17.99 M
Cash Flow From Operations	18.21 M	18.22 M	-1.8 M	19.37 M	28.67 M	45.5 M	23.86 M
Annual Yield	0.02 %	0.02 %	N/A	0.03 %	0.02 %	0.02 %	0.02 %
Total Debt	86.27 M	152.75 M	107.61 M	114.77 M	7.62 M	4.94 M	25.24 M
Return On Equity	0.0632	0.0859	0.0509	0.13	0.12	0.0744	0.0926
Trailing Beta	0.76	0.52	0.66	0.52	0.23	0.46	0.36
Return On Asset	0.0057	0.0087	0.0043	0.0126	0.0122	0.0066	0.0102
Number Of Shares Shorted	200.93 K	232.9 K	150.91 K	55.54 K	38.74 K	24.16 K	91.82 K
Book Value Per Share	12.25 X	27.63 X	27.30 X	31.84 X	25.21 X	54.36 X	14.15 X
Total Asset	2.74 B	2.83 B	3.15 B	2.09 B	2.03 B	2.71 B	2.29 B
Debt To Equity	0.52 %	8.43 %	7.61 %	11.04 %	10.46 %	10.80 %	10.58 %
Short Ratio	2.91 X	1.36 X	5.95 X	4.17 X	2.27 X	3.91 X	0.98 X
Target Price	14.33	32.83	26.5	44.0	N/A	70.25	17.88
Last Dividend Paid	0.28	0.44	N/A	1.0	N/A	1.34	0.25
Shares Owned By Institutions	64.40 %	48.13 %	68.39 %	48.82 %	32.63 %	46.82 %	49.48 %
Price To Earnings	15.61 X	12.54 X	8.03 X	10.31 X	10.38 X	9.66 X	16.14 X
Market Capitalization	280.81 M	380.77 M	256.75 M	246.14 M	284.16 M	322.08 M	282.33 M
Price To Earnings To Growth	1.58 X	N/A	N/A	0.33 X	N/A	N/A	N/A
Price To Sales	3.41 X	3.55 X	2.65 X	2.79 X	3.51 X	3.38 X	4.13 X
Net Income	15.27 M	22.9 M	13.19 M	24.52 M	23.91 M	15.1 M	22.06 M
Earnings Per Share	0.75 X	2.27 X	1.54 X	3.91 X	2.88 X	3.79 X	1.28 X
Shares Owned By Insiders	11.56 %	9.20 %	15.25 %	7.71 %	17.10 %	18.09 %	16.14 %
Revenue	129.83 M	153.49 M	186.35 M	119.18 M	81.73 M	139.94 M	122.03 M
Cash And Equivalents	27.11 M	36.01 M	165.25 M	30.76 M	499.9 M	42.42 M	68.34 M
Cash Per Share	1.22 X	3.64 X	17.41 X	4.62 X	61.18 X	9.04 X	4.89 X
Gross Profit	82.28 M	107.12 M	96.91 M	88.2 M	80.92 M	95.35 M	68.41 M
Day Typical Price	13.84	27.64	25.97	38.18	33.97	66.35	15.64
Accumulation Distribution	0.0229	0.0254	0.054	0.0207	0.0209	0.0214	0.0377
Market Facilitation Index	0.32	0.71	1.43	0.8	0.72	1.43	0.6
Daily Balance Of Power	0.375	0.4225	0.2448	0.275	-0.29	0.3706	0.0167
Period Momentum Indicator	0.12	0.3	0.35	0.22	-0.21	0.53	0.01
Rate Of Daily Change	1.01	1.01	1.01	1.01	0.99	1.01	1.0
Day Median Price	13.83	27.61	25.77	38.18	34.07	66.12	15.61
Price Action Indicator	0.09	0.26	0.8	0.11	-0.39	0.98	0.085
Relative Strength Index	58.93	49.02	56.97	55.57	55.54	65.77	57.59
Coefficient Of Variation	1787.84	35552.83	-5,197	-4,679	1215.19	859.13	1709.44
Mean Deviation	1.06	1.08	1.2	1.07	0.9212	1.8	0.9339
Jensen Alpha	0.0716	-0.01	-0.04	-0.04	0.09	0.2661	0.0623
Total Risk Alpha	0.0723	-0.0044	-0.04	-0.04	0.0904	0.2677	0.0627
Sortino Ratio	0.0451	-0.0032	N/A	N/A	0.0733	0.1282	0.0506
Downside Variance	2.53	2.33	N/A	N/A	1.51	4.31	1.52
Standard Deviation	1.44	1.47	1.77	1.51	1.21	2.37	1.22
Kurtosis	1.15	1.49	8.47	4.4	0.0842	1.05	-0.02
Potential Upside	2.66	2.06	2.36	2.4	2.06	3.44	2.21
Treynor Ratio	0.0921	-0.01	-0.06	-0.07	0.1058	0.341	0.0723
Maximum Drawdown	6.67	8.43	8.81	6.53	5.05	10.23	4.86
Variance	2.09	2.16	3.12	2.29	1.45	5.6	1.49
Market Risk Adjusted Performance	0.1021	0.0035	-0.05	-0.06	0.1158	0.351	0.0823
Risk Adjusted Performance	0.0559	0.0063	-0.01	-0.02	0.0794	0.1151	0.0572
Skewness	-0.33	-0.33	-1.70	-1.05	-0.09	0.4912	0.0918
Semi Deviation	1.43	1.5	N/A	N/A	1.07	1.91	1.05
Information Ratio	0.0497	-0.0033	-0.02	-0.03	0.0748	0.1126	0.0511
Value At Risk	-2.44	-2.45	-2.07	-2.16	-1.99	-3.65	-2.03
Expected Short fall	-1.14	-1.12	N/A	N/A	-0.99	-2.07	-1.00
Downside Deviation	1.59	1.53	N/A	N/A	1.23	2.08	1.23
Semi Variance	2.05	2.25	N/A	N/A	1.14	3.65	1.11

Western New Competition Peer Performance Charts

How to Analyze Western New Against Peers

Western New's peer analysis compares Western New with related companies to put valuation, quality, and risk metrics in context. This establishes whether recent performance is company-specific or broadly sector-driven. A practical workflow includes:

Set a relevant peer group: Include direct competitors and close alternatives with comparable business exposure.
Benchmark core financials: Compare profitability, growth, capital structure, and cash flow quality.
Check valuation dispersion: Review whether Western New trades at a premium or discount versus peers and why.
Evaluate risk profile: Compare volatility, drawdowns, and correlation to avoid false diversification assumptions.
Document the thesis: Record where Western New leads or lags and what catalysts could close or widen the gap.

Use this as an educational baseline, then validate conclusions with current filings, market conditions, and portfolio objectives.

Peer Comparison Metrics & Methodology

Western New carries less net debt relative to EBITDA than most competitors, giving it more room to invest or weather downturns. Comparing micro-cap peers across Regional Banks, Banks - Regional, Financial Services separates structural strengths from temporary momentum. For peer comparison, Western New has a market cap of 280.81 M, P/E of 15.61, profit margin of 18.56%.

Western New England metrics are compiled from periodic company reporting and market reference feeds and normalized before display.

Editorial review and methodology oversight provided by: Rifka Kats, Member of Macroaxis Editorial Board

Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity