Western New England Bancorp, Inc. (WNEB)
Savings Institution, Federally Chartered · Financial Services · $273M
Intrinsic Value (Consensus)
$19.94
Current Price
$13.47
Margin of Safety
+48%
48% Below Intrinsic Value
Value: $20
Price: $13
Valuation Model Estimates
Current Price: $13.47
DCF (Discounted Cash Flow)
$39.71
Graham Number
$14.37
Earnings Power Value
$7.28
Relative Value (P/E)
$15.00
Dividend Discount Model
$23.33
Consensus Value
$19.94
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
71
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $0.75
- EPS (Forward)
- $0.90
- Book Value
- $12.23
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 6.2%
- Debt/Equity
- 23%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance