Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $12.5K | $63.0K | $89.0K | $67.0K | $44.0K | — | — | — | — | — |
| Revenue growth | — | 404.0% | 41.3% | -24.7% | -34.3% | — | — | — | — | — |
| Net income | $4.83M | $12.3M | $16.4M | $13.3M | $11.2M | $23.7M | $25.9M | $15.1M | $11.7M | $15.3M |
| Net margin | 38672.0% | 19555.6% | 18436.0% | 19923.9% | 25488.6% | — | — | — | — | — |
| EPS (diluted) | $0.24 | $0.41 | $0.57 | $0.51 | $0.45 | $1.02 | $1.18 | $0.70 | $0.56 | $0.75 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $930K | $18.9M | $24.6M | $15.4M | $25.1M | $28.8M | $36.8M | $14.8M | $12.2M | $18.2M |
| Capital expenditures | $1.49M | $2.21M | $3.33M | $1.28M | $3.58M | $3.46M | $1.14M | $2.90M | $1.20M | $1.07M |
| Free cash flow | -$557K | $16.6M | $21.3M | $14.1M | $21.5M | $25.3M | $35.6M | $11.9M | $11.0M | $17.1M |
| Share buybacks | $1.38M | $9.31M | $22.9M | $19.5M | $10.5M | $23.3M | $6.35M | $5.02M | $7.60M | $6.10M |
| Dividends paid | $2.44M | $3.58M | $4.64M | $5.27M | $5.04M | $4.68M | $5.28M | $6.07M | $5.91M | $5.71M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | — | — | $24.7M | $87.4M | $103M | $30.3M | $28.8M | $66.5M | $40.4M |
| Total assets | $2.08B | $2.08B | $2.12B | $2.18B | $2.37B | $2.54B | $2.55B | $2.56B | $2.65B | $2.74B |
| Total liabilities | $1.84B | $1.84B | $1.88B | $1.95B | $2.14B | $2.31B | $2.33B | $2.33B | $2.42B | $2.49B |
| Long-term debt | $125M | $165M | $208M | $206M | $57.9M | — | — | — | — | — |
| Shareholders' equity | $238M | $247M | $237M | $232M | $227M | $224M | $228M | $237M | $236M | $248M |
| Retained earnings | $51.7M | $62.6M | $74.1M | $82.2M | $88.4M | $107M | $128M | $137M | $143M | $152M |
| Shares (wtd avg diluted) | 19.8M | 30.0M | 29.0M | 26.3M | 25.1M | 23.3M | 21.9M | 21.6M | 21.0M | 20.3M |
Every figure is extracted from Western New England Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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