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Western New England Bancorp, Inc. (WNEB)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$9.90 - $18.52$13.41
Multi-Stage$11.91 - $13.04$12.46
Blended Fair Value$12.94
Current Price$12.01
Upside7.72%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS2.32%4.43%0.290.300.260.230.250.260.230.180.120.10
YoY Growth---2.51%14.86%12.91%-7.15%-4.49%13.64%29.67%46.74%16.25%-45.25%
Dividend Yield--3.11%3.91%3.15%2.56%2.92%3.82%2.34%1.64%1.14%1.22%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)13.35
(-) Cash Dividends Paid (M)5.74
(=) Cash Retained (M)7.61
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)2.671.671.00
Cash Retained (M)7.617.617.61
(-) Cash Required (M)-2.67-1.67-1.00
(=) Excess Retained (M)4.945.946.61
(/) Shares Outstanding (M)20.4420.4420.44
(=) Excess Retained per Share0.240.290.32
LTM Dividend per Share0.280.280.28
(+) Excess Retained per Share0.240.290.32
(=) Adjusted Dividend0.520.570.60
WACC / Discount Rate7.84%7.84%7.84%
Growth Rate2.43%3.43%4.43%
Fair Value$9.90$13.41$18.52
Upside / Downside-17.59%11.66%54.17%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)13.3513.8114.2814.7715.2815.8016.28
Payout Ratio43.00%52.40%61.80%71.20%80.60%90.00%92.50%
Projected Dividends (M)5.747.238.8310.5212.3114.2215.06

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.84%7.84%7.84%
Growth Rate2.43%3.43%4.43%
Year 1 PV (M)6.646.716.77
Year 2 PV (M)7.447.597.74
Year 3 PV (M)8.148.398.63
Year 4 PV (M)8.769.109.46
Year 5 PV (M)9.299.7510.23
PV of Terminal Value (M)203.11213.22223.73
Equity Value (M)243.39254.76266.56
Shares Outstanding (M)20.4420.4420.44
Fair Value$11.91$12.46$13.04
Upside / Downside-0.87%3.77%8.57%

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