Western New England Bancorp (FRA:489) E10: €0.65 (As of Mar. 2026)


FRA:489 Western New England Bancorp Inc FRA:489
66 GF Score
Price €12.20
GF Value €9.02
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Western New England Bancorp E10?

Western New England Bancorp FRA:489 +1.67% 66 E10 is €0.65 as of Mar. 2026. GuruFocus rates FRA:489 with a GF Score™ of 66/100 and a GF Value™ of €9.02 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Western New England Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.208. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.65 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Western New England Bancorp's average E10 Growth Rate was 8.60% per year. During the past 3 years, the average E10 Growth Rate was 6.70% per year. During the past 5 years, the average E10 Growth Rate was 13.10% per year. During the past 10 years, the average E10 Growth Rate was 12.90% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Western New England Bancorp was 20.30% per year. The lowest was 6.70% per year. And the median was 11.20% per year.

As of today (2026-06-26), Western New England Bancorp's current stock price is €12.20. Western New England Bancorp's E10 for the quarter that ended in Mar. 2026 was €0.65. Western New England Bancorp's Shiller PE Ratio of today is 18.77.

During the past 13 years, the highest Shiller PE Ratio of Western New England Bancorp was 39.64. The lowest was 9.13. And the median was 18.31.


Western New England Bancorp  (FRA:489) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Western New England Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=12.20/0.65
=18.77

* 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 Shiller P/E Ratio of Western New England Bancorp was 39.64. The lowest was 9.13. And the median was 18.31.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Western New England Bancorp E10 Related Terms


Western New England Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Western New England Bancorp's E10 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 E10 Chart

Western New England Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.42 0.56 0.58 0.65 0.61

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
E10 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 0.64 0.59 0.60 0.61 0.65

FRA:489 vs FFBB, FRAF, FDBC: E10 Comparison

For the Banks - Regional subindustry, Western New England Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Western New England Bancorp's Shiller PE Ratio falls into.


FRA:489
66GF Score
Western New England Bancorp Inc FRA:489
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Western New England Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.208/330.2130*330.2130
=0.208

Current CPI (Mar. 2026) = 330.2130.

Western New England Bancorp Quarterly Data

per share eps CPI Adj_EPS
201606 0.018 241.018 0.025
201609 0.018 241.428 0.025
201612 0.066 241.432 0.090
201703 0.159 243.801 0.215
201706 0.107 244.955 0.144
201709 0.109 246.819 0.146
201712 -0.008 246.524 -0.011
201803 0.097 249.554 0.128
201806 0.154 251.989 0.202
201809 0.120 252.439 0.157
201812 0.123 251.233 0.162
201903 0.115 254.202 0.149
201906 0.106 256.143 0.137
201909 0.109 256.759 0.140
201912 0.117 256.974 0.150
202003 0.072 258.115 0.092
202006 0.071 257.797 0.091
202009 0.068 260.280 0.086
202012 0.164 260.474 0.208
202103 0.202 264.877 0.252
202106 0.199 271.696 0.242
202109 0.230 274.310 0.277
202112 0.248 278.802 0.294
202203 0.218 287.504 0.250
202206 0.237 296.311 0.264
202209 0.283 296.808 0.315
202212 0.396 296.797 0.441
202303 0.224 301.836 0.245
202306 0.120 305.109 0.130
202309 0.197 307.789 0.211
202312 0.110 306.746 0.118
202403 0.129 312.332 0.136
202406 0.158 314.175 0.166
202409 0.081 315.301 0.085
202412 0.153 315.605 0.160
202503 0.102 319.799 0.105
202506 0.199 322.561 0.204
202509 0.136 324.800 0.138
202512 0.222 324.054 0.226
202603 0.208 330.213 0.208

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.65 mean?
Western New England Bancorp (FRA:489) has a E10 of €0.65 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Western New England Bancorp and its competitors.
Is Western New England Bancorp's E10 too high?
Western New England Bancorp's current E10 is €0.65. Overall, Western New England Bancorp has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Western New England Bancorp's E10 compare to FFBB and FRAF?
Western New England Bancorp's E10 of €0.65 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Western New England Bancorp and its competitors. Western New England Bancorp's current E10 is €0.65. 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 (FRA:489) is currently considered Significantly Overvalued. The stock's GF Value™ is €9.02, compared to a current price of €12.20 — trading 35.3% above its estimated fair value. The current E10 is €0.65. Western New England Bancorp's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Western New England Bancorp (FRA:489), the current E10 is €0.65 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 (FRA:489) Overvalued in 2026?

Based on GuruFocus' analysis, Western New England Bancorp stock appears to be overvalued. The current stock price of €12.20 is trading 35.3% above its estimated GF Value™ of €9.02. GuruFocus considers Western New England Bancorp to be Significantly Overvalued.

Key valuation signals for FRA:489:

  • E10: €0.65
  • GF Value™: €9.02 vs. price of €12.20 (35.3% above fair value)
  • GF Score™: 66/100 with 7 warning signs

No single metric tells the full story. See the FRA:489 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Western New England Bancorp Business Description

Other Exchanges WNEB:USA
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.
66GF Score

Get the complete analysis for FRA:489

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.20
Price
€9.02
GF Value