WNEB (Western New England Bancorp) Cyclically Adjusted Book per Share: $11.30 (As of Mar. 2026)


WNEB Western New England Bancorp Inc WNEB
64 GF Score
Price $13.96
GF Value $10.38
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Western New England Bancorp Cyclically Adjusted Book per Share?

Western New England Bancorp WNEB -1.80% 64 Cyclically Adjusted Book per Share is $11.30 as of Mar. 2026. GuruFocus rates WNEB with a GF Score™ of 64/100 and a GF Value™ of $10.38 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Western New England Bancorp's adjusted book value per share for the three months ended in Mar. 2026 was $12.257. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $11.30 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Western New England Bancorp's average Cyclically Adjusted Book Growth Rate was 4.60% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 3.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 4.70% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 2.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Western New England Bancorp was 7.10% per year. The lowest was -0.20% per year. And the median was 4.20% per year.

As of today (2026-07-09), Western New England Bancorp's current stock price is $13.96. Western New England Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $11.30. Western New England Bancorp's Cyclically Adjusted PB Ratio of today is 1.24.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Western New England Bancorp was 1.29. The lowest was 0.55. And the median was 0.96.


Western New England Bancorp  (NAS:WNEB) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Western New England Bancorp's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=13.96/11.30
=1.24

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Western New England Bancorp was 1.29. The lowest was 0.55. And the median was 0.96.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Western New England Bancorp Cyclically Adjusted Book per Share Related Terms


Western New England Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Western New England Bancorp's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Western New England Bancorp Cyclically Adjusted Book per Share Chart

Western New England Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.33 9.85 10.23 10.63 11.06

Western New England Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.80 10.93 11.04 11.06 11.30

WNEB vs CCFN, FNRN, FUNC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Western New England Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Western New England Bancorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Western New England Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Western New England Bancorp's Cyclically Adjusted PB Ratio falls into.


WNEB
64GF Score
Western New England Bancorp Inc WNEB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Western New England Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Western New England Bancorp's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=12.257/330.2130*330.2130
=12.257

Current CPI (Mar. 2026) = 330.2130.

Western New England Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201606 7.887 241.018 10.806
201609 7.923 241.428 10.837
201612 7.847 241.432 10.733
201703 7.986 243.801 10.817
201706 8.085 244.955 10.899
201709 8.195 246.819 10.964
201712 8.111 246.524 10.864
201803 8.050 249.554 10.652
201806 8.138 251.989 10.664
201809 8.192 252.439 10.716
201812 8.348 251.233 10.972
201903 8.434 254.202 10.956
201906 8.603 256.143 11.091
201909 8.734 256.759 11.233
201912 8.737 256.974 11.227
202003 8.884 258.115 11.366
202006 8.950 257.797 11.464
202009 8.994 260.280 11.411
202012 8.967 260.474 11.368
202103 9.065 264.877 11.301
202106 9.293 271.696 11.294
202109 9.556 274.310 11.503
202112 9.873 278.802 11.694
202203 9.666 287.504 11.102
202206 9.585 296.311 10.682
202209 9.516 296.808 10.587
202212 10.269 296.797 11.425
202303 10.501 301.836 11.488
202306 10.597 305.109 11.469
202309 10.531 307.789 11.298
202312 10.957 306.746 11.795
202403 10.902 312.332 11.526
202406 11.072 314.175 11.637
202409 11.398 315.301 11.937
202412 11.301 315.605 11.824
202503 11.441 319.799 11.814
202506 11.682 322.561 11.959
202509 11.890 324.800 12.088
202512 12.155 324.054 12.386
202603 12.257 330.213 12.257

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $11.30 mean?
Western New England Bancorp (WNEB) has a Cyclically Adjusted Book per Share of $11.30 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Western New England Bancorp and its competitors.
Is Western New England Bancorp's Cyclically Adjusted Book per Share too high?
Western New England Bancorp's current Cyclically Adjusted Book per Share is $11.30. Overall, Western New England Bancorp has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Western New England Bancorp's Cyclically Adjusted Book per Share compare to CCFN and FNRN?
Western New England Bancorp's Cyclically Adjusted Book per Share of $11.30 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Western New England Bancorp and its competitors. Western New England Bancorp's current Cyclically Adjusted Book per Share is $11.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Western New England Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Western New England Bancorp (WNEB) is currently considered Significantly Overvalued. The stock's GF Value™ is $10.38, compared to a current price of $13.96 — trading 34.5% above its estimated fair value. The current Cyclically Adjusted Book per Share is $11.30. Western New England Bancorp's overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Western New England Bancorp (WNEB), the current Cyclically Adjusted Book per Share is $11.30 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Western New England Bancorp (WNEB) Overvalued in 2026?

Based on GuruFocus' analysis, Western New England Bancorp stock appears to be overvalued. The current stock price of $13.96 is trading 34.5% above its estimated GF Value™ of $10.38. GuruFocus considers Western New England Bancorp to be Significantly Overvalued.

Key valuation signals for WNEB:

  • Cyclically Adjusted Book per Share: $11.30
  • GF Value™: $10.38 vs. price of $13.96 (34.5% above fair value)
  • GF Score™: 64/100 with 7 warning signs

No single metric tells the full story. See the WNEB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Western New England Bancorp Business Description

Other Exchanges 489:Germany
Address 141 Elm Street, Westfield, MA, USA, 01085
Western New England Bancorp Inc through its bank subsidiary, provides a range of financial services to individuals and companies in western Massachusetts and northern Connecticut. These services include commercial lending, residential lending and consumer lending, checking, savings and time deposits, cash management, and wealth management. Substantially all of the company's revenues, profits, and assets are derived by the Bank from banking products and services.
64GF Score

Get the complete analysis for WNEB

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13.96
Price
$10.38
GF Value