DDM Analysis: WNEB

Valuation Snapshot

Stable Growth	$12.27 - $26.71	$17.58
Multi-Stage	$15.33 - $16.81	$16.06
Blended Fair Value	$16.82
Current Price	$12.01
Upside	40.04%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	2.32%	4.43%	0.29	0.30	0.26	0.23	0.25	0.26	0.23	0.18	0.12	0.10
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	2.67	1.67	1.00
Cash Retained (M)	7.61	7.61	7.61
(-) Cash Required (M)	-2.67	-1.67	-1.00
(=) Excess Retained (M)	4.94	5.94	6.61
(/) Shares Outstanding (M)	20.44	20.44	20.44
(=) Excess Retained per Share	0.24	0.29	0.32
LTM Dividend per Share	0.28	0.28	0.28
(+) Excess Retained per Share	0.24	0.29	0.32
(=) Adjusted Dividend	0.52	0.57	0.60
WACC / Discount Rate	6.80%	6.80%	6.80%
Growth Rate	2.43%	3.43%	4.43%
Fair Value	$12.27	$17.58	$26.71
Upside / Downside	2.14%	46.36%	122.37%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	13.35	13.81	14.28	14.77	15.28	15.80	16.28
Payout Ratio	43.00%	52.40%	61.80%	71.20%	80.60%	90.00%	92.50%
Projected Dividends (M)	5.74	7.23	8.83	10.52	12.31	14.22	15.06

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	6.80%	6.80%	6.80%
Growth Rate	2.43%	3.43%	4.43%
Year 1 PV (M)	6.71	6.77	6.84
Year 2 PV (M)	7.59	7.74	7.89
Year 3 PV (M)	8.39	8.63	8.89
Year 4 PV (M)	9.11	9.47	9.84
Year 5 PV (M)	9.75	10.24	10.74
PV of Terminal Value (M)	271.91	285.45	299.51
Equity Value (M)	313.45	328.30	343.71
Shares Outstanding (M)	20.44	20.44	20.44
Fair Value	$15.33	$16.06	$16.81
Upside / Downside	27.67%	33.72%	40.00%

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Western New England Bancorp, Inc. (WNEB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener