Western New Financials

WNEB Stock  USD 9.40  0.10  1.05%   
Based on the key measurements obtained from Western New's financial statements, Western New England is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At present, Western New's Short and Long Term Debt Total is projected to decrease significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 764.6 M, whereas Total Assets are forecasted to decline to about 1.6 B. Key indicators impacting Western New's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.180.1924
Notably Down
Slightly volatile
Return On Assets0.00470.0059
Significantly Down
Pretty Stable
Return On Equity0.0370.0635
Way Down
Slightly volatile
Debt Equity Ratio0.70.659
Notably Up
Slightly volatile
Operating Income20.3 M19.6 M
Sufficiently Up
Very volatile
Current Ratio0.760.8
Notably Down
Very volatile
Investors should never underestimate Western New's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Western New's cash flow, debt, and profitability to make informed and accurate decisions about investing in Western New England.

Net Income

9.78 Million

  
Understanding current and past Western New Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Western New's financial statements are interrelated, with each one affecting the others. For example, an increase in Western New's assets may result in an increase in income on the income statement.
Please note, the presentation of Western New's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Western New's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Western New's management manipulating its earnings.

Western New Stock Summary

Western New competes with Fifth Third, Huntington Bancshares, Comerica, and MT Bank. 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 businesses. Western New England Bancorp, Inc. was founded in 1853 and is headquartered in Westfield, Massachusetts. Western New operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 298 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS9588921018
CUSIP958892101 96008P104 96008D101
LocationMassachusetts; U.S.A
Business Address141 Elm Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.westfieldbank.com
Phone413 568 1911
CurrencyUSD - US Dollar

Western New Key Financial Ratios

Western New Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets2.2B2.4B2.5B2.6B2.6B1.6B
Other Current Liab(35M)636.7M787.0M(41.4M)(16.1M)(15.3M)
Other Liab22.3M43.3M41.1M17.6M20.2M17.2M
Net Debt215.8M(29.6M)(81.2M)31.9M130.6M151.6M
Retained Earnings82.2M88.4M107.4M128.0M137.0M85.4M
Accounts Payable1.7B2.0B2.3B2.2B140K133K
Cash24.7M87.4M103.5M30.3M25.8M40.0M
Other Assets1.6B1.8B1.8B2.5B8.5M8.1M
Total Liab1.9B57.9M22.3M2.3B2.3B1.2B
Total Current Assets257.8M297.8M305.6M36.8M28.8M27.4M
Short Term Debt35M43.9M1.4M41.4M16.1M15.3M
Common Stock266K253K227K222K217K247.0K
Long Term Debt205.5M57.9M22.3M20.9M140.4M142.3M
Net Receivables5.3M8.5M7.8M8.1M8.5M5.8M
Net Tangible Assets216.2M211.2M208.6M213.5M245.5M216.9M
Long Term Debt Total205.5M57.9M19.6M19.7M17.7M16.8M
Capital Surpluse164.2M154.5M132.8M128.9M148.2M168.0M
Intangible Assets3.3M2.9M2.6M2.2M1.8M2.1M

Western New Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense24.1M18.4M6.7M6.7M33.2M34.9M
Total Revenue65.0M65.9M86.1M91.9M101.1M106.2M
Gross Profit65.0M65.9M86.1M91.9M101.1M106.2M
Operating Income17.2M14.2M31.7M41.3M19.6M20.3M
Ebit17.2M14.2M31.7M34.6M19.6M20.1M
Ebitda19.7M16.7M34.4M37.3M19.6M21.4M
Income Before Tax17.2M14.2M31.7M34.6M19.6M13.4M
Net Income13.3M11.2M23.7M25.9M15.1M9.8M
Income Tax Expense3.9M2.9M8.0M8.7M4.5M3.6M
Tax Provision3.9M2.9M8.0M8.7M6.7M6.0M
Net Interest Income58.0M64.4M73.2M79.2M72.6M65.5M
Interest Income82.1M82.9M79.8M85.9M97.9M82.2M

Western New Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(2.0M)62.7M16.0M(73.1M)(1.5M)(1.4M)
Free Cash Flow14.1M21.5M24.1M34.9M11.9M13.5M
Depreciation2.5M2.5M2.7M2.7M2.6M1.9M
Other Non Cash Items3.2M6.5M(961K)1.2M176K167.2K
Capital Expenditures1.3M3.6M3.5M1.1M2.9M1.9M
Net Income13.3M11.2M23.7M25.9M15.1M9.8M
End Period Cash Flow24.7M87.4M103.5M30.3M28.8M34.8M
Dividends Paid5.3M5.0M4.7M5.3M6.1M5.3M
Investments33.3M31.4M(220.4M)9.5M26.4M27.8M
Change Receivables339K(3.2M)702K(365K)(328.5K)(312.1K)
Net Borrowings(26.7M)(183.6M)(35.6M)39.9M35.9M37.7M
Change To Netincome1.9M3.9M51.7M2.1M2.4M2.3M

Western Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Western New's current stock value. Our valuation model uses many indicators to compare Western New value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Western New competition to find correlations between indicators driving Western New's intrinsic value. More Info.
Western New England is rated fifth in return on equity category among its peers. It is rated fifth in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Western New England is roughly  11.00 . At present, Western New's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Western New's earnings, one of the primary drivers of an investment's value.

Western New England Systematic Risk

Western New's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Western New volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Western New England correlated with the market. If Beta is less than 0 Western New generally moves in the opposite direction as compared to the market. If Western New Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Western New England is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Western New is generally in the same direction as the market. If Beta > 1 Western New moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Western New Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Western New's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Western New growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.33)

At present, Western New's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Western New November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Western New help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Western New England. We use our internally-developed statistical techniques to arrive at the intrinsic value of Western New England based on widely used predictive technical indicators. In general, we focus on analyzing Western Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Western New's daily price indicators and compare them against related drivers.

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When running Western New's price analysis, check to measure Western New's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Western New is operating at the current time. Most of Western New's value examination focuses on studying past and present price action to predict the probability of Western New's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Western New's price. Additionally, you may evaluate how the addition of Western New to your portfolios can decrease your overall portfolio volatility.
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