Western New England Bancorp IncWNEB
Price$13.69Intrinsic value$8.5338% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $8.53median of 2 methodsbased on filings through 30 Jun 2026
Market Price $13.69Price as of 30 Sep 2026
Margin of Safety -37.7%as of 30 Sep 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 19.3% (near-term consensus, capped) · years 2–5: 3.7%/yr (balance of the path).6.6% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 64.3%Yr 74.9%Yr 85.5%Yr 96.1%Yr 106.6%
3.7% → 6.6%
Years 11–20: glide to long-run rate
Per-year rates
Yr 116.3%Yr 125.9%Yr 135.5%Yr 145.2%Yr 154.8%Yr 164.5%Yr 174.1%Yr 183.7%Yr 193.4%Yr 203.0%
6.6% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)6.6%
Discount rate (cost of equity) 8.7%
Volatility vs market (adjusted beta)0.84

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetWestern New England Bancorp IncWNEBFinancials
Valuation
P/E16.3×
P/S3.4×
P/B1.1×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin24.1%
Net margin18.6%
FCF margin20.9%
Returns
ROE6.7%
ROA0.6%
ROIC7.3%
Growth
Revenue growth (YoY)12.1%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.07×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.0%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.