---
schema_version: "secwatch.filing_event.v1"
accession: "0001839882-25-004372"
form_type: "8-K"
ticker: "WNEB"
cik: "0001157647"
company_name: "Western New England Bancorp, Inc."
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T07:58:23.484979+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# WNEB reports Q4 net income $3.3M ($0.16 EPS); full-year EPS $0.56 vs $0.70 in 2023

## Summary
- Q4 net income $3.3M ($0.16 diluted EPS) vs $2.5M ($0.12) in Q4 2023 and $1.9M ($0.09) in Q3 2024.
- Full-year 2024 net income $11.7M ($0.56 EPS) vs $15.1M ($0.70) in 2023, down 22.5%.
- Net interest margin 2.41% in Q4 2024, up 1bp from Q3 2024 (2.40%); tax-equivalent NIM 2.43%.
- Board declared $0.07 quarterly dividend, payable Feb 26, 2025 to holders of record Feb 12, 2025.
- Repurchased 934,282 shares in 2024 at avg $7.94; book value per share $11.30 (+3.1% YoY).

## SEC filing metadata
- accession: 0001839882-25-004372
- form_type: 8-K
- ticker: WNEB
- cik: 0001157647
- company_name: Western New England Bancorp, Inc.
- filed_at: 2025-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1157647/000183988225004372/0001839882-25-004372-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1157647/000183988225004372/wneb-8k_012825.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001839882-25-004372
- JSON: https://secwatch.observer/filing/0001839882-25-004372.json
- Plain text: https://secwatch.observer/filing/0001839882-25-004372.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.