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Western New England Bancorp (WNEB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Western New England Bancorp (WNEB) Q3 2026 earnings results →
Q3 2026 Revenue up 12% year over year to $23.9M · 26¢ of every $1 of revenue kept as net profit · operating margin 35.0%
Western New England Bancorp made $23.9M in Q3 2026 (+12% Y/Y): Net interest income $20.0M, Noninterest income $3.9M. Operating margin 35.0%, net earnings $6.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $23.9M in Q3 2026, up 12% year over year and up 5% from the previous quarter. Net interest income was the largest line at 84% of revenue. Net interest income added $1.9M year over year (up 11%), 72% of the total change.
Operating profit was $8.4M, a 35.0% margin (up 15.2 points year over year). Of the extra revenue versus a year earlier, 158% reached operating profit, above the 20% margin then. Total costs fell 9% while revenue rose 12%. Net earnings were $6.3M, up 99% year over year. The effective tax rate was 24.6%.
Operating cash flow was $7.5M (up 35% year over year), 118% of net earnings. Non-cash charges added back $348K of share-based compensation. Working capital and other items added $809K. Capital expenditures of $364K left free cash flow of $7.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $23.9M | +12% | 35.0% | $6.3M | $7.5M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Western New England Bancorp
Western New England Bancorp, Inc. is a Massachusetts-chartered stock holding company and the parent company of Westfield Bank, CSB Colts, Inc., Elm Street Securities Corporation, WFD Securities, Inc. and WB Real Estate Holdings, LLC. Western New England Bancorp, Inc. and its subsidiaries are headquartered in Westfield, Massachusetts and operate 25 banking offices throughout western Massachusetts and northern Connecticut. To learn more, visit our website at www.westfieldbank.com .
In its own words, from its 8-K, filed Jul 28, 2026.
Western New England Bancorp against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +12% against the peers' median +8%. Operating margin: 35.0% against the peers' median 35.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| WNEB Western New England Bancorp | Q3 2026 | $23.9M | +12% | 35.0% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
Source: Western New England Bancorp 10-Q on SEC EDGAR · CIK 1157647 · Savings Institution, Federally Chartered
Guidance and outlook
13F: who owns WNEB and who is buying
More on WNEB
History
Every quarter: Q3 2026 results