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WNEB (Western New England Bancorp) Cyclically Adjusted PB Ratio : 0.92 (As of Mar. 03, 2025)


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What is Western New England Bancorp Cyclically Adjusted PB Ratio?

As of today (2025-03-03), Western New England Bancorp's current share price is $9.74. Western New England Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2024 was $10.59. Western New England Bancorp's Cyclically Adjusted PB Ratio for today is 0.92.

The historical rank and industry rank for Western New England Bancorp's Cyclically Adjusted PB Ratio or its related term are showing as below:

WNEB' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.55   Med: 0.94   Max: 1.28
Current: 0.92

During the past years, Western New England Bancorp's highest Cyclically Adjusted PB Ratio was 1.28. The lowest was 0.55. And the median was 0.94.

WNEB's Cyclically Adjusted PB Ratio is ranked better than
57.71% of 1206 companies
in the Banks industry
Industry Median: 1.04 vs WNEB: 0.92

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 adjusted book value per share data for the three months ended in Sep. 2024 was $11.398. 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 $10.59 for the trailing ten years ended in Sep. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Western New England Bancorp Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Western New England Bancorp's Cyclically Adjusted PB Ratio 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.

* Premium members only.

Western New England Bancorp Cyclically Adjusted PB Ratio Chart

Western New England Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.79 0.94 0.96 0.88 -

Western New England Bancorp Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Cyclically Adjusted PB Ratio 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 0.88 0.74 0.65 0.80 -

Competitive Comparison of Western New England Bancorp's Cyclically Adjusted PB Ratio

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's Cyclically Adjusted PB Ratio Distribution in the 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.



Western New England Bancorp Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

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

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=9.74/10.59
=0.92

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2024 is calculated as:

For example, Western New England Bancorp's adjusted Book Value per Share data for the three months ended in Sep. 2024 was:

Adj_Book=Book Value per Share/CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=11.398/133.0289*133.0289
=11.398

Current CPI (Sep. 2024) = 133.0289.

Western New England Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201412 7.608 99.070 10.216
201503 7.560 99.621 10.095
201506 7.560 100.684 9.989
201509 7.588 100.392 10.055
201512 7.634 99.792 10.177
201603 7.828 100.470 10.365
201606 7.887 101.688 10.318
201609 7.923 101.861 10.347
201612 7.847 101.863 10.248
201703 7.986 102.862 10.328
201706 8.085 103.349 10.407
201709 8.195 104.136 10.469
201712 8.111 104.011 10.374
201803 8.050 105.290 10.171
201806 8.138 106.317 10.183
201809 8.192 106.507 10.232
201812 8.348 105.998 10.477
201903 8.434 107.251 10.461
201906 8.603 108.070 10.590
201909 8.734 108.329 10.725
201912 8.737 108.420 10.720
202003 8.884 108.902 10.852
202006 8.950 108.767 10.946
202009 8.994 109.815 10.895
202012 8.967 109.897 10.854
202103 9.065 111.754 10.791
202106 9.293 114.631 10.784
202109 9.556 115.734 10.984
202112 9.873 117.630 11.166
202203 9.666 121.301 10.601
202206 9.585 125.017 10.199
202209 9.516 125.227 10.109
202212 10.269 125.222 10.909
202303 10.501 127.348 10.969
202306 10.597 128.729 10.951
202309 10.531 129.860 10.788
202312 10.957 129.419 11.263
202403 10.902 131.776 11.006
202406 11.072 132.554 11.112
202409 11.398 133.029 11.398

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


Western New England Bancorp  (NAS:WNEB) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Western New England Bancorp Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Western New England Bancorp's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Western New England Bancorp Business Description

Traded in Other Exchanges
N/A
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.
Executives
Darlene M Libiszewski officer: SVP, Chief Information Officer C/O WESTERN NEW ENGLAND BANCORP, INC., 141 ELM STREET, WESTFIELD MA 01085
Filipe B Goncalves officer: SVP & Associate CCO C/O WESTERN NEW ENGLAND BANCORP, INC., 141 ELM STREET, WESTFIELD MA 01085
Guida R Sajdak officer: EVP & Chief Financial Officer 70 CENTER STREET, CHICOPEE MA 01013
James C Hagan director, officer: President and CEO C/O WESTFIELD FINANCIAL INC, 141 ELM STREET, WESTFIELD MA 01085
Steven G. Richter director C/O WESTFIELD FINANCIAL, INC., 141 ELM STREET, WESTFIELD MA 01144
Miles Allen J Iii officer: EVP & Senior Lender C/O WESTFIELD FINANCIAL, INC., 141 ELM STREET, WESTFIELD MA 01085
Laura Benoit director C/O WESTFIELD FINANCIAL, INC., 141 ELM STREET, WESTFIELD MA 01085
John E Bonini officer: SVP, General Counsel C/O WESTERN NEW ENGLAND BANCORP, INC., 141 ELM STREET, WESTFIELD MA 01085
Kevin C O'connor officer: EVP & Chief Banking Officer C/O WESTFIELD FINANCIAL, INC., 141 ELM STREET, WESTFIELD MA 01085
Daniel A Marini officer: SVP Retail Banking & Marketing C/O WESTERN NEW ENGLAND BANCORP, INC., 141 ELM STREET, WESTFIELD MA 01085
Gorman Louis O Iii officer: SVP & Chief Credit Officer C/O WESTFIELD FINANCIAL, INC., 141 ELM STREET, WESTFIELD MA 01085
Philip R Smith director C/O WESTFIELD FINANCIAL, INC., 141 ELM STREET, WESTFIELD MA 01085
Christine Phillips officer: SVP, HR Director C/O WESTERN NEW ENGLAND BANCORP, INC., 141 ELM STREET, WESTFIELD MA 01086
Gregg F Orlen director C/O CHICOPEE BANCORP INC., 70 CENTER STREET, CHICOPEE MA 01013
William D Masse director C/O CHICOPEE BANCORP INC., 70 CENTER STREET, CHICOPEE MA 01013