Western New England BancorpWNEB +1.43%64 Net Margin % is 21.46% as of Mar. 2026, which is 15% above its 10-year median of 18.67. GuruFocus rates WNEB with a GF Score™ of 64/100 and a GF Value™ of $10.43 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, Western New England Bancorp ranks worse than 69.86% on this metric.
The historical rank and industry rank for Western New England Bancorp's Net Margin % or its related term are showing as below:
WNEB'
s Net Margin % Range Over the Past 10 Years
Min: 10.94 Med: 18.67 Max: 28.84
Current: 20.36
WNEB's Net Margin % is ranked worse than 69.86% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs WNEB: 20.36
Western New England Bancorp (NAS:WNEB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Western New England Bancorp Net Margin % Related Terms
Western New England Bancorp Net Margin % Historical Data
* 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.
For the Banks - Regional subindustry, Western New England Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Western New England Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Western New England Bancorp's Net Margin % falls into.
* 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 (WNEB) has a Net Margin % of 21.46% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Western New England Bancorp and its competitors. This is 15% above median its historical median of 18.67. Over the past decade, Western New England Bancorp's Net Margin % has ranged from 10.94 to 28.84. According to the industry distribution chart, Western New England Bancorp ranks #1066 out of 1526 companies in the Banks industry, placing it in the top 69.9%.
Is Western New England Bancorp's Net Margin % too high?
Western New England Bancorp's current Net Margin % of 21.46% is 15% above median its 10-year median of 18.67. Over the past 10 years, this metric has ranged from a low of 10.94 to a high of 28.84. The Banks industry median Net Margin % is 26.97. Western New England Bancorp's value of 21.46% is 20.4% below this industry median. Based on the distribution chart, Western New England Bancorp ranks #1066 out of 1526 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to FFBB and FRAF?
According to the Banks industry distribution chart, Western New England Bancorp ranks #1066 out of 1526 companies for Net Margin %. This places Western New England Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. Western New England Bancorp's value of 21.46% is 20.4% below this benchmark. Historically, Western New England Bancorp's own Net Margin % has ranged from 10.94 to 28.84 over the past decade. While the company's 10-year median is 18.67 vs. the industry median of 26.97, Western New England Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Western New England Bancorp's current Net Margin % of 21.46% is 20.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Western New England Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Western New England Bancorp's current Net Margin % is 21.46%, which is 15% above median its own 10-year median of 18.67. 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 $10.43, compared to a current price of $14.20 — trading 36.1% above its estimated fair value. The current Net Margin % is 21.46%, which is 15% above median its 10-year median of 18.67 and 20.4% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Western New England Bancorp (WNEB), the current Net Margin % is 21.46% 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 $14.20 is trading 36.1% above its estimated GF Value™ of $10.43.
GuruFocus considers Western New England Bancorp to be Significantly Overvalued.
Key valuation signals for WNEB:
Net Margin %: 21.46% (15% above median its 10-year median of 18.67)
GF Value™: $10.43 vs. price of $14.20 (36.1% above fair value)
Industry Position: 20.4% below the Banks median (#1066 of 1526)
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 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
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