Western New England Bancorp, Inc. cash flow to debt ratio of 17.17% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Western New England Bancorp, Inc.'s free cash flow has increased 56.19% from $10.97M last year to $17.14M, signaling increasing performance

Western New England Bancorp, Inc.'s debt to equity ratio is 0.13, which means that the company's assets are healthy financed, signaling financial stability.

Western New England Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.52 last year to 0.13 today, signaling strengthened financials

Western New England Bancorp, Inc. has a net debt to EBITDA ratio of 2.89x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Western New England Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Western New England Bancorp, Inc.'s profit margin was 9.50% last year and is 14.53% this year, signaling increasing performance

Western New England Bancorp, Inc.'s short-term liabilities of $2.37B exceed its short-term assets of $51.93M, signaling financial risk

Western New England Bancorp, Inc.'s return on assets of 0.72% is lower than the 5.00% threshold, indicating inefficient asset utilization

Western New England Bancorp, Inc.'s return on equity of 8.04%, is lower than 15.00%, indicating bad performance

Western New England Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Western New England Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Western New England Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Western New England Bancorp, Inc. has a free cash flow yield of 6.31%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Western New England Bancorp, Inc.'s yearly earnings has increased 30.88% since last year from $11.67M to $15.27M, signaling increasing performance

Western New England Bancorp, Inc.'s yearly revenue has increased 5.77% since last year from $122.74M to $129.83M, signaling increasing performance

ROIC 8.24% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Western New England Bancorp, Inc.'s 3-year revenue CAGR of 9.36% is positive, indicating growing revenue over the past 3 years

Western New England Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Western New England Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Western New England Bancorp, Inc. is overvalued relative to its fair value price of 10.33 based on Base Cash Flow Valuation (DCF) model

Western New England Bancorp, Inc. has an earnings yield of 7.38%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Western New England Bancorp, Inc. is overvalued relative to its fair value price of 4.44 based on Base EBITDA Valuation model

Western New England Bancorp, Inc. has an EV/EBITDA ratio of 15.35x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Western New England Bancorp, Inc. is undervalued relative to its fair value price of 19.53 based on Base Earnings Fair Value model

Western New England Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued

Western New England Bancorp, Inc. has a price-to-book ratio of 1.10x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Western New England Bancorp, Inc. has a price-to-sales ratio of 1.97x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue