4 models fit Western New England Bancorp Inc. Common Stock and they disagree: 0 of 4 land within 15% of the average.
Two or more of our models back this value.
Large premium(i)Bronze51
Valued as a bank: Residual income, P/E comparison, Dividend discount, and Graham number.
ACCE opinionWestern New England Bancorp Inc. Common Stock (WNEB)
Fair value (4 models)
$8.99
ACCE price target
$13.70
Rating
Overvalued
Horizon
12 months
Fair value published on 11 Oct 2026, 00:00 CEST; previously $9.50 since 7 Oct 2026, 00:00 CEST.
ACCE price target published on 15 Oct 2026, 00:00 CEST.
Rating published on 20 Oct 2026, 15:04 CEST.
Price used: $13.88 at the close on 23 Oct 2026, 22:00 CEST.
Models: Dividend discount, Graham number, P/E comparison, and Residual income.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
Price vs fair value
54.5% above
-35.3% to fair value
ACCE score
54
out of 100
Analysts
0% buy
3 covering
P/E
16.7x
forward 12.5x
1-year return
+22.8%
Dividend yield
2.03%
Western New England Bancorp Inc. Common Stock in four questions
Plain answers, details below
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Overview
ACCE thesis
Western New England Bancorp is a small Massachusetts and Connecticut holding company whose Westfield Bank runs retail and commercial deposit franchises, residential and commercial real estate lending, and a wealth management arm. At a $272M market cap and a 12.9x forward P/E, the stock trades at a discount to its trailing 16.3x multiple, which implies the market expects earnings to recover from current levels. Revenue is shrinking (down 2.4%) and ROE of 6.9% is thin, so the case rests on margin repair and net interest income stabilising rather than on any visible top-line momentum. With a 24.5% operating margin and no index membership, the name sits in the small-cap regional bank pool where liquidity and analyst coverage are both limited, so it merits a deeper look mainly on the question of whether deposit costs have peaked.
⚠ Investor warnings · 2 flagsAI-assisted·How I use AI
moderate
Earnings declining despite margins
Earnings fell 20.7% YoY while revenue dipped 2.4%, and ROE is only 6.9%. The operating margin of 24.5% suggests the drop is in the bottom line, so check the cost base and provisions.
moderate
Score down sharply in 90 days
The ACCE score fell 29 points, from 81 to 52, over 90 days. Growth (G:7) is the weakest component, consistent with the recent revenue and earnings decline.
AI research notes
AI-assisted·How I use AIWritten Oct 18, 2026 · figures from 2026-06-30 · prices to Oct 23, 2026
Why it could do well
The stock trades at a forward P/E of 12.9x, above the sector median of 11.8x, so the market prices it in line with peers rather than cheaply.
Free cash flow over the last 12 months was $17M, and the yield on that cash flow is 6.3%, a sizeable return relative to the share price.
Management has shrunk the diluted share count by 3.9% in the last fiscal year, which lifts each remaining share's claim on earnings.
Why it could disappoint
Revenue fell 2.4% year over year, a sharp reversal from a 5-year average growth rate of 7.1% per year.
The latest quarter's earnings per share missed expectations by 28.0%, with 0.18 reported against 0.25 expected.
Return on equity of 6.9% and return on invested capital of 3.5% are thin returns for the capital tied up in the business.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Next results
Oct 27, 2026
We update the fair value about 2 days after the results, once the new figures are filed.Add to calendarGoogle
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Valuation
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Where WNEB's valuation models land
Price
$13.88
Model fair value
$8.99
Model range
$4.46 to $14.39
Fair value $8.99
Price $13.88
The price sits inside the model range.
Model
Fair value
Upside
Dividend discount
Graham number
P/E comparison
Residual income
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Quality
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