Western New England Bancorp, Inc. (WNEB)

WNEB Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	13.35	11.67	15.07	25.89	23.7	11.22
Depreciation & Amortization	2.55	2.61	2.59	2.69	2.7	2.52
Provision for Credit Losses	-0.18	-0.67	0.87	0.7	-0.93	7.78
Stock-Based Compensation	1.71	2.04	1.98	1.76	1.99	1.39
Other Adjustments	-0.56	-0.3	-0.51	2.22	1.86	-3.73
Changes in Accrued Interest and Accounts Receivable	-0.23	0.06	-0.39	-0.37	0.7	-3.16
Changes in Other Operating Activities	0.15	-3.24	-4.85	3.88	-1.23	9.07
Operating Cash Flow	17.21	12.17	14.77	36.77	28.79	25.07
Operating Cash Flow Growth	14.91%	-17.62%	-59.82%	27.71%	14.86%	63.00%
Net Change in Loans Held-for-Investment	-82.08	-43.14	-37.02	-127.82	60.87	-151.47
Net Change in Securities and Investments	-6.53	-0.22	24.48	15.42	-222.93	22.12
Capital Expenditures	-1.23	-1.2	-2.9	-1.14	-3.46	-3.58
Sale of Property, Plant & Equipment	0.06	0.07	0.02	-	0.04	0.07
Other Investing Activities	1.33	-2.11	1.72	1.68	2.57	9.32
Investing Cash Flow	-88.42	-46.59	-13.71	-111.87	-162.91	-123.56
Net Change in Deposits	125.67	118.9	-85.7	-27.43	213.52	360.31
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-1.41	-10.71	-25.25	41.35	-	-35
Long-Term Debt Issued	-	98	120	-	20	58.92
Long-Term Debt Repaid	-30.28	-120.65	-0.53	-1.47	-55.23	-207.52
Net Long-Term Debt Issued (Repaid)	-30.28	-22.65	119.47	-1.47	-35.23	-148.61
Issuance of Common Stock	-	-	-	1.17	0.19	0.04
Repurchase of Common Stock	-6.9	-7.6	-5.02	-6.35	-23.28	-10.52
Net Common Stock Issued (Repurchased)	-6.9	-7.6	-5.02	-5.18	-23.09	-10.48
Common Dividends Paid	-5.74	-5.91	-6.07	-5.28	-4.68	-5.04
Other Financing Activities	-	-	-	-	-0.39	-
Financing Cash Flow	81.35	72.03	-2.57	1.99	150.13	161.19
Net Cash Flow	10.14	37.61	-1.5	-73.11	16.01	62.7
Free Cash Flow	15.99	10.97	11.87	35.63	25.34	21.49
Free Cash Flow Growth	45.66%	-7.56%	-66.68%	40.62%	17.92%	52.45%
FCF Margin	20.15%	14.95%	15.23%	38.78%	29.23%	32.60%
Free Cash Flow Per Share	0.78	0.52	0.55	1.62	1.09	0.86
Levered Free Cash Flow	-15.69	-12.75	128.99	29.48	-12.82	-132.55
Unlevered Free Cash Flow	1.24	-1.77	-5.54	5.06	-1.29	4.84

Updated Nov 7, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q