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Western New England Bancorp, Inc. (WNEB)

Western New England Bancorp, Inc. (WNEB)

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Cash Flow Overview

Free Cash flow
$5,872K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in deposits
    • Net loan originations and princi...
    • Proceeds from calls, maturities,...
    • Others
Negative Cash Flow Breakdown
    • Repayment of long-term debt
    • Increase (decrease) in short-ter...
    • Repurchase of common stock
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
3,598
4,777
5,209
3,167
Loss on disposal of premises and equipment
-
-
0
0
Provision for (reversal of) credit losses
1,557
75
-485
1,293
Depreciation and amortization of premises and equipment
513
486
502
517
Net (accretion) amortization of purchase accounting adjustments
-
-7
-17
22
Amortization of core deposit intangible
94
94
93
94
Net amortization of deferred costs on mortgage loans
-
110
242
23
Net amortization of premiums and discounts on securities and mortgage loans
-488
-
-
-
Net amortization of deferred costs on loans
198
10
9
10
Net amortization of premiums on subordinated debt
-235
255
235
241
Share-based compensation expense
343
-187
333
288
Esop expense
212
208
224
173
Gain on mortgage banking activities
-
-
0
0
Net change in unrealized gains on marketable equity securities
47
-13
-7
22
Income from bank-owned life insurance
535
476
492
482
Gain on bank-owned life insurance death benefit
1
449
0
-
Accrued interest receivable
77
148
-104
168
Other assets
546
1,119
-1,407
1,258
Deferred income tax (benefit) provision
-
-
-1,002
-
Other liabilities
1,181
-3,296
689
1,679
Net cash provided by operating activities
6,640
346
7,058
5,577
Proceeds from calls, maturities, and principal collections of securities held-to-maturity
3,577
3,311
4,559
4,137
Purchases of securities available-for-sale
1,999
2,972
0
1,999
Purchases of securities held-to-maturity
-
-
0
0
Proceeds from calls, maturities, and principal collections of securities available-for-sale
4,638
4,790
4,730
4,124
Proceeds from redemption and sales of marketable equity securities
0
44
0
-
Purchase of marketable equity securities
5
35
168
6
Net loan originations and principal payments
-5,202
17,388
52,262
39,199
Proceeds from sale of portfolio residential real estate loans
-
-
0
0
Redemption of federal home loan bank of boston stock
-1,946
377
-459
-
Purchase of federal home loan bank of boston stock
-
-
-
0
Purchases of premises and equipment
768
734
663
410
Proceeds from sales of premises and equipment
52
-
0
0
Proceeds from payout on bank-owned life insurance
796
1,470
0
-
Net cash provided by (used in) investing activities
13,439
-11,891
-43,345
-33,202
Proceeds from long-term debt
-
-
0
0
Net increase in deposits
19,608
20,884
11,033
19,762
Increase (decrease) in short-term borrowings
-6,070
10,540
10,290
-1,060
Repayment of long-term debt
48,000
-
25,000
0
Cash dividends paid on common stock
1,396
1,373
1,417
1,419
Repurchase of common stock
2,692
2,750
1,180
24
Net cash (used in) provided by financing activities
-38,550
27,301
-6,274
17,259
Net change in cash and cash equivalents
-
-
-42,561
-
Net change in cash and cash equivalents
-18,471
15,756
-42,561
-10,366
Beginning of period
56,137
40,381
82,942
66,450
End of period
37,666
56,137
40,381
82,942
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net loanoriginations and principal...-$5,202K (-123.78%↓ Y/Y)Proceeds from calls,maturities, and principal...$4,638K (-37.37%↓ Y/Y)Proceeds from calls,maturities, and principal...$3,577K (-50.20%↓ Y/Y)Redemption of federal homeloan bank of boston...-$1,946K Net income$3,598K (-47.80%↓ Y/Y)Provision for (reversalof) credit losses$1,557K (429.18%↑ Y/Y)Other liabilities$1,181K (147.39%↑ Y/Y)Depreciation andamortization of premises and...$513K (-52.94%↓ Y/Y)Proceeds from payout onbank-owned life insurance$796K Proceeds from sales ofpremises and equipment$52K Net amortization ofpremiums and discounts on...-$488K (-192.95%↓ Y/Y)Share-based compensationexpense$343K (-25.92%↓ Y/Y)Esop expense$212K (-31.17%↓ Y/Y)Net amortization ofdeferred costs on loans$198K (890.00%↑ Y/Y)Net cash provided by(used in) investing...$13,439K (136.26%↑ Y/Y)Net cash provided byoperating activities$6,640K (19.04%↑ Y/Y)Canceled cashflow$2,772K Canceled cashflow$1,441K Net change in cashand cash...-$18,471K (-168.77%↓ Y/Y)Canceled cashflow$20,079K Net increase indeposits$19,608K (-70.94%↓ Y/Y)Purchases of securitiesavailable-for-sale$1,999K (-93.25%↓ Y/Y)Purchases of premises andequipment$768K (408.61%↑ Y/Y)Purchase of marketableequity securities$5K (-81.48%↓ Y/Y)Other assets$546K (378.57%↑ Y/Y)Income from bank-ownedlife insurance$535K (-45.90%↓ Y/Y)Net amortization ofpremiums on subordinated...-$235K (-144.76%↓ Y/Y)Accrued interestreceivable$77K (-69.32%↓ Y/Y)Net change inunrealized gains on...$47K (135.00%↑ Y/Y)Gain on bank-ownedlife insurance death...$1K Net cash (used in)provided by financing...-$38,550K (-166.07%↓ Y/Y)Canceled cashflow$19,608K Repayment of long-termdebt$48,000K Increase (decrease) inshort-term borrowings-$6,070K (-349.63%↓ Y/Y)Repurchase of common stock$2,692K (-44.98%↓ Y/Y)Cash dividends paidon common stock$1,396K (-51.46%↓ Y/Y)